Private Mortgage Broker in the GTA
When the bank says no, private financing gets the deal done.
Not every deal fits a bank’s box. Bruised credit, tight timelines, self-employed income, non-traditional properties, a short-term bridge — the list of reasons banks say “no” is long. That’s where I come in.
I’m Kevin Singh Dhaliwal, a GTA-based mortgage broker with 12+ years of experience and direct access to private HELOCs, MICs, and my own network of private lenders. I fund deals most brokers can’t.
What I Fund
- First, second, and third private mortgages
- Private HELOCs (home equity lines of credit)
- Private bridge financing
- Custom home construction financing
- Plazas and commercial properties
- Mixed-use and investment real estate
- Deals tied to MICs (Mortgage Investment Corporations) and private funds
If it’s a real estate deal and you need capital fast, there’s a good chance I can place it.
When a Private Mortgage Makes Sense
- Your bank turned you down for income, credit, or property reasons
- You’re self-employed or have non-traditional income
- You need to close in days, not weeks
- You’re buying or refinancing a non-conforming property (custom build, unfinished, commercial)
- You need bridge financing between a sale and a purchase
- You want to pull equity without refinancing your existing first mortgage
- You’ve got a short-term plan (12–24 months) and need flexibility
Private mortgages aren’t for everyone or forever. They’re a strategic tool. My job is to tell you straight whether a private is actually right for your situation — and if not, what is.
Why Work With Me
- 12+ years as an active GTA mortgage broker
- Direct access to my own private lenders, not just the ones everyone else has
- Relationships with multiple MICs funding everything from residential to commercial
- Private HELOC access for quick equity takeouts
- Speed — I package deals lender-ready on day one
My Process
- Discovery call — 20 minutes, no cost. Tell me what the deal is and what’s blocking it.
- Deal packaging — I build the lender-ready submission.
- Lender matching — I shop your file to the private lenders who actually fund your deal type.
- Approval and close — I stay with you through appraisal, conditions, and funding.