First Mortgages
Primary financing for residential property purchases when conventional lenders can't approve you — due to credit history, income type, or speed of closing. We look at the whole picture.
Up to 75–80% LTV
Private Residential Lending
Residential Mortgages
Your Home. Your Terms.
Private mortgage solutions for homeowners, investors, and buyers across Ontario. Fast approvals, flexible qualification criteria, and the personalized service the banks don't offer.
First MortgagesSecond MortgagesRefinancingHome EquityBridge Loans
Residential Lending
When the Bank Says No, We Say Let's Talk
The traditional mortgage approval process is increasingly restrictive — stress tests, income documentation requirements, and rigid qualification criteria leave many creditworthy Canadians without financing. AJW Investment Group fills that gap.
We evaluate residential mortgage applications based on the strength of the property and the equity position, not just your credit score or employment status. Whether you're self-employed, carry non-traditional income, or simply need a faster decision, we offer real solutions.
From first mortgages on primary residences to second mortgages and home equity loans for investors, our residential lending team has the experience and capital to close deals quickly — often within days of application.
Our Solutions
Residential Mortgage Products
Every homeowner's situation is unique. We offer the full range of private residential mortgage solutions to match your specific needs.
Second Mortgages
Access the equity in your home without touching your first mortgage. Perfect for debt consolidation, renovation funding, tuition, or any major expense where your home equity is your strongest asset.
Fast equity access
Refinancing
Replace your existing mortgage with better terms, access equity, consolidate high-interest debt, or restructure your financing. We'll show you options your bank won't bring to the table.
Lower payments, better terms
Home Equity Loans
Turn your home's equity into working capital. Structured as a lump sum or revolving facility, our home equity products give you the flexibility to deploy capital when and how you need it.
Leverage your home's value
Bridge Loans
Buying before selling? Bridge financing fills the gap between your purchase closing and sale proceeds. Short-term, flexible, and fast — exactly what real estate transactions demand.
30–180 day terms
Investment Properties
Financing for rental properties, multi-unit homes, and real estate investors looking to grow portfolios. We understand investor cash flows and structure accordingly.
Rental income qualifying
Who We Help
We Work with Borrowers Banks Overlook
Banks approve the easy applications. We specialize in finding solutions for situations that require a more thoughtful approach.
Self-Employed Borrowers
If your income doesn't fit neatly on a T4, conventional lenders struggle to qualify you. We evaluate self-employed applicants based on the realistic picture of your business income and net worth.
Credit Challenges
Past credit issues, consumer proposals, or discharged bankruptcies don't automatically disqualify you. We assess current equity position and ability to service the debt going forward.
Non-Resident Investors
International buyers and Canadian non-residents face extra hurdles with institutional lenders. We have experience structuring residential mortgages for foreign nationals and non-resident investors.
Time-Sensitive Closings
When your deal has a tight closing date and the bank's process can't keep up, we step in. We can approve and fund within days when the deal demands it.
The AJW Difference
Private Lending Done Right
Private mortgages have a reputation for being a last resort. At AJW Investment Group, we're changing that narrative. We're a first-choice lender for clients who value speed, flexibility, and genuine partnership.
Our residential lending team takes time to understand your full financial picture — not just what fits in a form. That means better structuring, clearer terms, and outcomes that actually serve your long-term goals.
And unlike mortgage brokers who pass your file to an anonymous investor, when you borrow from AJW, you have a direct relationship with your lender — from application to payoff.
- ✓ Approval in 24–48 hours
- ✓ Asset-based qualifying
- ✓ Direct lender — no middleman
- ✓ Flexible terms from 6 months to 3 years
- ✓ Interest-only options available
How It Works
Getting Your Residential Mortgage
A straightforward process designed to get you funded quickly and without unnecessary complexity.
01
Free Consultation
Call or email us with your property details, requested loan amount, and your situation. Our team reviews every inquiry personally and provides honest, direct feedback — no automated responses or generic call centres.
02
Property Valuation & Review
We assess the property value using current market data and comparable sales. If required, we commission an independent appraisal. Your personal financial information is reviewed to complete the full picture.
03
Commitment & Terms
We issue a commitment letter outlining the loan amount, interest rate, term, payment structure, and any conditions to be satisfied. We explain every detail in plain language before you sign anything.
04
Closing & Funding
Our solicitor registers the mortgage and coordinates the transfer of funds. For purchases, we fund directly to the vendor's lawyer. For refinances and equity take-outs, funds are transferred to your account on closing day.
Common Questions
Residential Mortgage FAQs
How much can I borrow?
Residential loans are typically available up to 75–80% of the property's appraised value. The exact amount depends on the property type, location, your equity position, and overall deal strength.
What are your interest rates?
Private mortgage rates are higher than institutional rates, reflecting the flexibility and speed we provide. Rates vary based on LTV, property type, and borrower profile. Contact us for a current quote tailored to your situation.
Do I need good credit to qualify?
Not necessarily. We evaluate the property value and your equity position heavily in our approval process. Borrowers with credit challenges, past proposals, or non-traditional income regularly qualify with us.
How quickly can you close?
For straightforward residential mortgages, we can typically close within 5–10 business days of application. For time-sensitive deals, we've closed in as few as 3 business days when all documentation is in order.
Are there prepayment penalties?
Terms vary by loan. Many of our residential mortgages offer open prepayment options or modest 3-month interest penalties. We outline all prepayment terms clearly in your commitment letter.
What properties qualify?
We finance single-family homes, semis, townhouses, condominiums, and small multi-unit properties across Ontario. Rural and cottage properties are considered case by case based on marketability and location.
Ready to Get Started?