Private Lenders

What is a Private Lender?

• Group of investors pooling money to loan out
• One individual who loans money out
• Private Lenders don’t operate in the same fashion as standard banks
• Practises are not subject to the same regulations as standard banks
• Terms are 3 to 6 months up to 1 year
• Mortgages are interest only (no principle paid down)
• Mortgage rates are much higher vs conventional banks
• Extra fees are charged

How can Private Lenders Help?

• Less scrutiny of financial profile
• Lower credit scores accepted
• Lower income accepted
• No TDS or Stress test required
• Mortgage Arrears accepted
• Power of Sale situations accepted
• Minimal documentation required
• Funding can be as fast as 3 days
• Rural locations accepted

What is an Exit Strategy

• It is critical to have an exit strategy.
• To Pay out an existing Private Lender contact our Agents for solutions.
• Most Private Mortgages are 1 year terms or less. Not having an exit strategy could incur very high renewal fees.
• Exist strategies may include:
  • move to conventional mortgage with conventional lender
  • renegotiate with current Private Lender before term ends
  • sell property
• Early termination may incur administration fees.
• Your Mortgage Agent should suggest exist strategies BEFORE you begin a Private Mortgage.

Agents Available Now	Call us Now
jason@wodlinger.com	416.899.2750

How our Mortgage Agents can Help

• Note Private Mortgage risks and benefits
• Find lowest private mortgage rates for your financial profile
• Negotiate with Private Lenders for the best terms
• Present multiple Lender offers from which you can choose
• Estimate max loan, rate and payments
• Explain your situation to Private Lenders
• Find Lenders for rural locations
• Find Lenders for lower income or bruised credit Borrowers
• Find Lenders to stop a Power of Sale

Power of Sale	Foreclosure	Refinancing
Second Mortgage	Payout POS	Alt Lenders

Private Mortgage
Next Steps

• Our Agents will review your situation and advise on risks of a Private Mortgage
• We calculate your home equity to understand how much can be accessed.
• We explain the risks and benefits
• We collect documents from Borrower
• Funds can flow as fast as 3 days

Agents Available Now	Call us Now
jason@wodlinger.com	416.899.2750

Get Pre-Qualified Now

Click Here to Begin
*** We’ll compare your profile against our top Lenders’ requirements

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Value of House *

Mortgage #1 - remaining balance *

Mortgage #2 - remaining balance (enter 0 if not applicable) *

Extra money required - (consolidate debt, renovations..etc (enter 0 if n/a) *

Postal Code of property *

Credit Score (optional)

remaining renovations..etc money

First Name (Last name=optional) *

Email *

Phone *

Anything else you'd like to tell us?

Once you submit we immediately confirm online if you are pre-qualified and provide a confirmation number.

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Learn more about the
Pre-qualification Process

• Pre-qualifying ensures we respect your time. If there is a high probability (no guarantees) to solve your situation we’ll tell you right away. If we can’t help at least we’ve saved you some time.
• Our system compares your information vs the requirements of our top Lenders.
• Pre-qualified means your file will be prioritized ahead of any other client who has not been pre-qualified.
• Funds can be received faster when one is pre-qualified.
• It is critical that your total debt load is under 75% – 80% of your house value. To understand more about this analysis, contact us.

Next Steps in the Process

• After submission, one of our agents will contact you before 5pm today.

• Our agents will speak with you to learn more about your situation.
• We will request a few documents.
• When documents are received, we can provide a conditional mortgage approval in 24 hours.
• After issuing the conditional approval, the lender may ask other questions and requst more documents.
• Upon receipt of all documents you can receive funding in 48 hours.

Back to Pre-Qualifying

CLICK HERE for the
Mortgage Agent Referral Database

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Are you... *

• Purchasing a house
• Refinancing a current mortgage
• Other

Click one of the above 3 choices to continue

House or Condo? *

• House
• Condo

What is the maximum value of house you want? *

How much savings do you have for a down-payment? *

What is the ideal *monthly* mortgage payment you can afford? *

What area/city are you looking in? *

Are all home owners first-time home buyers? *

• Yes
• No

House or Condo? *

• House
• Condo

Full Address of Property *

Current Balance Mortgage #1 *

#1 income payment

Current Balance Mortgage #2 *

Extra money needed *

What is the ideal *monthly* mortgage payment you can afford? *

Total yearly household income for all home owners? *

Total *monthly* debt payments (line of credit, car loans, student loans, credit cards)

Credit Score (use the score for the highest income earner) *

• Excellent (700+)
• Good (600-700)
• Bruised (500 - 600)
• Below 500

How many pre-vetted licensed Mortgage Agents do you want to contact you today? *

• 1
• 2
• 3

* Only the 1 (to 3) Agents you requested will contact you.

* You are not obligated to respond to any Agent.

* You are not committed to work with any Agent you speak with.

Please confirm *

• I understand

Name *

First

Last

Phone (only -pre-vetted licensed Agents will call you) *

Email (only pre-vetted licensed Agents will email you) *

We will never sell your data to any third party. We only share your information with the 1–3 referrals you requested. By clicking "submit" you are agreeing to our privacy policy.

Submit

How does the Mortgage Agent Database Work?

1. Describe your situation
2. We search our database for Agents who specialize with purchases
3. We match Agents to your needs
4. Agent(s) contact you within 5 minutes

Mortgage Agent Database FAQs

FAQs

How are Mortgage Agents Evaluated?
<click to expand>

• Mortgage agents are vetted by other licensed level 2 mortgage agents
• We speak directly with every mortgage agent we include in our referral network
• We confirm agent’s license per provincial regulators (eg: FSRA, RECA, etc)
• We review Agent’s specialization in detail
• We perform due diligence on Agents with references from supervisors
• Mortgage Agents come from across Canada
• We are interviewing and onboarding mortgage agents weekly

How are Agents matched to me?
<click to expand>

• Your details are inputed in our platform (temporarily only)
• Our AI algorithm will review our agent database and compare agents’ services to every detail of your situation
• Our platform finds the top agents whose expertise match your needs
• Agents are selected based on who is available right now to help
• 1 – 3 agents will contact you
• Responses occur in 5 minutes
• You accept (or reject) agents’ contact
• You are not obligated to work with (or respond to) any agent we refer
• Speaking with a referred agent does not commit you in any way
• There is no charge to you for using this referral service

What happens after contact?
<click to expand>

• The Agent will identify themselves with their name, brokerage and license #
• If you respond they will schedule a discovery call
• The Agent will listen to your situation and recommend a mortgage solution
• If you agree to the solution, you will fill out an application, consent to a credit check and submit requested documents
• If your application is accepted you will receive a lender commitment in writing

Who Pays this Referral Database?
<click to expand>

• There is no charge to Borrowers for using this referral database.

What happens to my data

Your situational informatiuon is only shared with the referred mortgage agents. Once the agent contacts you – your information is erased from our servers. We will never sell your data to third parties.

How is the quality of agents assessed

We meet every agent in our referral database. We also know their Brokerage and their Principle Broker to whom they report – as well as their clients. Agents come from all over Canada.

When (and how) will the agent(s) contact me

You will receive contact within 5 minutes via email, text and/or phone call.

How much does this referral cost me

There is no cost to Borrowers who use this referral platform. Only the mortgage agent pays a referral fee if you accept the mortgage solution.

How do you find Agents who are available now?

Mortgage agents who are included in our database log on to our platform when they are ready to speak with Borrowers. As soon as your query is entered all agents – who are logged in to our portal – are potential referrals for you.

We will never sell or share your data with any third party. Only employees of JWM will contact you to see if we can help.

Our Solutions

Mortgage Rates

(assumes credit score >600)

Term	Mortgage Rate
2 year term	4.24%
3 year term	3.79%
4 year term	3.94%
5 year term	3.99%
Variable Rates	3.54%
1 year term	Our Private Lenders offer short terms
credit score <600	Our Lenders can help with bruised credit.

updated January 19, 2026

Private Lenders

AltaWest Capital	AW Capital
CMI Group	Firm Capital
Fisgard Mortgage	PHL Capital
Premhome	RiverRock
Sequence Capital	Tribecca Finance
VWR Capital	Gentai Capital

And many many more……

Alternative Lenders

CWB Optimum	Equitable
Hometrust	First National
B2B Bank	MCAN Financial
MCAP Financial	Haventree
RFA Mortgages	Effort Trust
Strive Capital	First Ontario

And many many more……