Toronto Private Mortgage Specialist

Can't Get Approved By The Bank? You Still Have Options.

Bad credit, self-employed, facing power of sale, or need to consolidate debt fast. Private mortgage lending is approved on your equity, not just your credit score. Licensed, honest advice from a Toronto-based Mortgage Agent who answers his own phone.

  • βœ… Bad Credit OK*
  • βœ… Up To 90% LTV
  • βœ… Approved On Equity
  • βœ… Fast Closing Available

Who We Help

  • Self-employed borrowers
  • Bad / damaged credit
  • Facing power of sale
  • Debt consolidation
  • 1st, 2nd & 3rd mortgages
  • Home renovation financing

Mortgage & Private Lending Solutions

Tap any solution below for details on who it's for and how it works.

Private Mortgages

Equity-based lending for borrowers who don't fit a traditional bank's underwriting box. Fast approvals, flexible terms.

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1st, 2nd & 3rd Mortgages

Access equity in layers, including private second mortgages, without disturbing your existing first mortgage.

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Stop Power of Sale

Behind on payments or received a notice from your lender? There are more options than you think. Act early.

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Home Equity Loans & HELOC

A lump sum or an open line of credit against your home's equity. HELOC available up to 80 to 90% LTV.

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Debt Consolidation

Roll high-interest debt into one manageable mortgage payment using the equity you've already built.

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Home Renovation Loans

Access funds for renovations through a 2nd mortgage or refinance, without disturbing your existing 1st mortgage.

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Self-Employed Mortgages

Declared income after write-offs doesn't have to be the whole story. Alternative qualification options available.

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Home Buyer / Purchase Mortgages

Financing for buying a home, including 5% and 10% down payment programs for non-traditional buyers.

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Business & Commercial Lending

Commercial loans and a line of credit inside your incorporation, for working capital, property or growth.

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Bad Credit & Alternative Lending

Bad credit, distressed files and work permit files are all considered. Approval based on equity, not just score.

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Reverse Mortgages

Homeowners 55+ can access home equity as tax-free funds with no required monthly payments.

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Pre-Construction Purchase Financing

B lenders and private lenders can lend on current appraised value, helping close financing gaps on closing day.

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Why Work With Meshesha

  • Licensed & accountable: FSRA Mortgage Agent License #M15001135, Mortgage Alliance Brokerage #10530.
  • 100% reply rate: you text or call, you hear back. No call centers, no runaround.
  • Honest advice first: if private lending isn't the right fit, you'll be told so, plainly.
  • Fast closings available: private lenders move faster than banks when time matters.

Get Your Free, Confidential Consultation

Tell me a bit about your situation and I'll text or call you back personally, usually the same day.

Text Or Call Me Anytime. That's The Best Way To Reach Me For A Fast Response.

πŸ“ž 647-342-1355

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