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Private Mortgage Lender in Innisfil

A private mortgage lender in Innisfil can help you get a home equity loan or private second mortgage. Most private mortgage lenders in Innisfil tend to only lend in small geographic areas. Some private mortgage loans can start from as little as $20,000.00, the term of the mortgage is usually 1 year but could be longer. The private mortgage company then goes through the same process a Canadian bank does and registers the loan against your property. This means that the decision to lend is based on the equity and value of the property being put up as collateral, and not based on the your credit. Most private mortgage lenders in Innisfil have a maximum loan to value ratio (LTV) of 85%, in some cases the LTV can be as high as 90%.

Reasons for a Private Mortgage

Some reasons for obtaining private mortgage loans are: debt consolidation, home renovation, recent job loss, divorce, recent illness and many others. Due to some of these factors the borrower may not be able to take a loan or mortgage on their property from Canadian banks or other financial institutions. Our job is to get you the loans you require, we can arrange your loan even if you do not have a great credit score.

We have a tremendous amount of knowledge regarding the local real estate market within your town or city. We probably have already arranged a private second mortgage or private mortgage funding in your local area.

More Funds

You may be able to borrow more money with a private investor mortgage than you think; a private mortgage holder may be willing to lend you up to 90% of your total home value. In contrast a bank may only be willing to give you up to 75% your home value. You can now use more of your home equity to manage some immediate bills or consolidate your debt payments. This can result in lower interest payments to you.


What are private mortgage investors looking for when they provide you with a private mortgage investment? They look at your credit score, job situation but for private second mortgages the equity in your home is the key factor in private money lending.

Private Mortgage lenders Innisfil Information

Population and Dwelling Counts Innisfil, Town
Total Total
Population in 2001 28,666 11,410,046
Population in 1996 24,711 10,753,573
1996 to 2001 population change (%) 16.0 6.1
Total private dwellings 11,985 4,556,240
Population density per square kilometre 100.9 12.6
Land area (square km) 284.18 907,655.59
Earnings in 2000 Innisfil, Town
Total Male Female Total Male Female
All persons with earnings (counts) 15,585 8,390 7,195 6,319,535 3,311,105 3,008,425
Average earnings (all persons with earnings ($)) 33,973 41,375 25,340 35,185 42,719 26,894
Worked full year, full time (counts) 9,5750 5,875 3,700 3,527,045 2,061,355 1,465,690
Average earnings (worked full year, full time ($)) 43,158 48,200 35,145 47,299 53,937 37,962
Income in 2000 Innisfil, Town
Total Total
Persons 15 years of age and over with income 21,020 8,598,560
Median total income of persons 15 years of age and over ($) 26,211 24,816
Composition of total income (100%) 100.0 100.0
Earnings – % of income 80.5 78.7
Government transfers – % of income 10.0 9.8
Other money – % of income 9.5 11.5
Selected Household Characteristics Innisfil, Town
Total Total
Total – All private households 10,195 4,219,410
Households containing a couple (married or common-law) with children 3,815 1,376,975
Households containing a couple (married or common-law) without children 3,465 1,179,330
One-person households 1,720 990,160
Other household types 1,195 672,950
Median household income, 2000 ($) – All households 57,975 53,626
Median household income, 2000 ($) – One-person households 23,524 25,253
Median household income, 2000 ($) – Two-or-more-persons households 64,194 64,201
Number of rented dwellings 910 1,346,990
Average gross monthly payments for rented dwellings ($) 783 753
Number of owner-occupied dwellings 9,195 2,816,220
Average monthly payments for owner-occupied dwellings ($) 954 964
Selected Occupied Private Dwelling Characteristics Innisfil, Town
Total Total
Total number of dwellings 10,200 4,219,415
Number of owned dwellings 9,290 2,862,300
Number of rented dwellings 905 1,351,365
Number of dwellings constructed before 1991 7,790 3,615,880
Number of dwellings constructed between 1991 and 2001 2,410 603,530
Average value of dwelling ($) 175,149 199,884

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