A mortgage that sees you as a person, not just a credit score.
Traditional banks have strict rules. We have solutions for self-employed, new-to-country, and unique situations.
Built for the misunderstood borrower
We look past the spreadsheets to find the potential that institutions miss.
Self-Employed Entrepreneurs
Fluctuating income doesn't mean you're a risk. We evaluate your business's health and future growth, not just your personal T4s.
New to Canada
No local credit history? We prioritize your global assets and professional trajectory to get you into a home faster.
Credit in Recovery
Life happens. We offer bridge financing that allows you to secure a home while you rebuild your traditional credit score.
Unique Properties
Hobby farms, fixer-uppers, or mixed-use spaces. If it's a home to you, we'll find a way to finance it.
The path to your new home
Share Your Story
We start with a conversation, not an automated form. Tell us about your goals and your situation.
Share Your Story
We start with a conversation, not an automated form.
Bespoke Solution
Within 24 hours, we curate a private lending strategy tailored to your equity and financial trajectory.
Swift Closing
Cut through the red tape. Our private network allows us to fund in as little as 5 business days.
Swift Closing
Cut through the red tape with funding in as little as 5 days.
The lives we've helped change
After starting my agency, the big banks wouldn't even look at me without two years of perfect returns. Open Financial looked at my contracts and saw my potential. They got me into my loft in three weeks.
Marcus T.
Creative Director, Toronto
We moved to Canada with savings but no job history yet. Every lender said no. Open Financial believed in our background and helped us secure our family home. We finally feel at home here.
Elena R.
Recent Newcomer, Vancouver
Honesty is our only policy
Private lending is a strategic tool, not a forever loan. We provide transparent terms and a clear "Exit Strategy", helping you move toward traditional financing when you're ready.
No Hidden Fees
Everything is disclosed upfront in plain English.
Bridging Your Future
Interest-only options available to maximize cash flow.
Our Current Bridge Rates
From 7.9%
*Rates vary based on equity and location
Frequently Asked
Is a private mortgage more expensive?
What is an "Exit Strategy"?
Do I need a large down payment?
Ready for a different conversation?
Our brokers are here to listen, not to judge. Let's explore what's possible together.
Speak with a human today.