Support for private mortgage transactions and lending arrangements with clear documentation and closing steps.
Private mortgages can be a practical solution when bank financing is not the right fit or time is tight. We support borrowers and lenders with clear documentation, proper registration, and a closing process that is organized from start to finish.
Common situations we help with
You are borrowing through a private lender and want to understand the terms before signing
You are lending money and want the mortgage properly documented and registered
You need short-term financing to bridge a purchase, sale, or refinance
You are consolidating debt and using real estate as security
The deal has a tight timeline and you need the legal steps handled quickly and correctly
What we do for you
For private mortgage transactions, we help by:
Reviewing the terms so you understand your obligations and risks before closing
Preparing or reviewing mortgage documents and supporting paperwork
Coordinating with the lender, broker, and any other parties involved
Registering the mortgage and completing the closing steps properly
Making sure the documentation matches what was agreed and is legally effective
What to bring to your consultation
If you have them, these help us move faster:
The key deal terms (amount, interest rate, term, payment structure, maturity date)
Any draft commitment letter or mortgage instructions
Property address and basic details
Names of the lender, borrower, and broker (if any)
Any deadlines for funding or closing
If you do not have all of this yet, no stress. We can start with what you have.
What to expect: the process
01
Initial review
We confirm the basic details, timeline, and what documents are needed.
02
Document preparation and coordination
We prepare or review the mortgage documents, coordinate signatures, and ensure all requirements are met.
03
Closing and registration
We complete the closing, register the mortgage, and confirm the final paperwork.
Fees & Costs
High-Level Costs
Private mortgage files can vary depending on complexity and timeline. In your consultation, we will outline the steps, confirm what is required, and provide a clear estimate of legal fees and typical disbursements.
FAQ
Do you represent the lender or the borrower?
We can assist either side. In some situations, separate legal representation may be required depending on the structure of the transaction.
Is a private mortgage different from a bank mortgage?
The legal registration process can be similar, but private mortgage terms can vary widely. That is why clear documentation and a proper review matter.
How fast can a private mortgage close?
It depends on the property, the documentation, and what is needed to complete the transaction. If timing is tight, we can prioritize steps and tell you what is realistically possible.
What happens if the terms change last minute?
We will review the changes, explain what they mean in plain language, and confirm you are comfortable before anything is finalized.
Do I need title insurance for a private mortgage?
Sometimes it is recommended, and sometimes it is required depending on the deal and the lender. We can explain options once we understand the file.