Alternative Mortgage Financing
Securing the right mortgage isn’t just about ticking boxes—it’s about understanding the person behind the application. We build every deal to fit the borrower, not force the borrower to fit the deal.
Our services
A range of financing solutions is available for borrowers who don’t fit the traditional institutional lending mould.
Years of industry experience and continual process refinement have shaped an underwriting system that’s both fast and efficient—delivering approvals without unnecessary delays.
Flexible lending guidelines
Mortgage financing can be tailored for self-employed, stated-income, and credit-challenged clients—built around their specific needs. Custom solutions are structured quickly and seamlessly, making the process as straightforward as possible.
Alternative mortgage financing
Have clients who can’t secure traditional bank financing? You’re not alone—it’s a growing reality. Many hold equity in property yet can’t access funds through conventional channels. That’s where an alternative solution steps in to get the deal done.
Our lending criteria
Our lending criteria set clear guidelines, but they’re consistently applied with an understanding of the person behind the application.
Property Type
We finance all types of properties (except farms) in Ontario, Canada.
Loan to Value
Up to 80%
Mortgage Type
1st and 2nd mortgages
Borrower Type
Individuals, Corporations
Regions
Major metropolitan areas
Terms
6 months to 2 years
Mortgage Terms
Open and closed mortgages
More information
Please contact underwriter
Ready to secure the right mortgage solution? Contact us today to get started
Don’t let traditional lending hold you back—explore your financing options with HTCapital.
