Private Mortgage Rate Estimation Tool

Private mortgage rates depend on equity, mortgage position, property location, lender appetite, timing, and the exit plan. This estimator gives a planning range based on loan-to-value and Ontario location, but it is not a lender commitment. Our direct-lending limits by location are published on our lending guidelines and pricing page.

Use the result to understand whether the requested mortgage is likely inside a common private-lender LTV range. A firmer quote requires a review of the property, title, existing mortgages, credit history, income, and timing.

About location: Urban reflects our standard 75% maximum for Ontario cities and towns with an active resale market. Brampton, Thunder Bay and Windsor are capped at 65%, so select Rural (max LTV 65%) for those cities. Very rural communities under 10,000 people are capped at 50% and sit outside this estimator’s range. Full limits by location are on our lending guidelines and pricing page.

About mortgage position: Mortgage Broker Store lends directly on first and second mortgages. A third mortgage is only possible through outside private lenders, is harder to place and is priced above the ranges shown here. Use the 3rd-mortgage result as a rough planning figure only.

Calculator results are estimates only and do not constitute a mortgage approval, commitment to lend, rate quote, or financial advice. Actual mortgage payments, rates, fees, and qualification requirements may vary.