No Appraisals Necessary
In-house underwriting and internal property evaluation done quickly. We save your client time and money by asking for the property details and pictures directly.
Stonefield Capital
Funding Private Mortgages That The Bank Declines. No Appraisals Required & Same-Day Commitments
Stonefield Capital is a private mortgage lender and mortgage brokerage in Ontario, managing over $48M in assets across 150+ active loans. We serve brokers, borrowers, and investors across Ontario. Residential rates start from 7.49% for low-risk first positions in the GTA, with $0 in external investor capital lost since 2018.
Why Brokers Trust Stonefield
Fast Underwriting and Commitments
Stonefield Capital understands that speed and efficiency is important to a good experience with your client. We provide you with a quote and a commitment, FAST.
Common Sense Private Lending
We underwrite based on 3 core principles — equity in a property, liquidity of a property and a solid exit strategy.
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Natalie L.
Mortgage Broker
Stonefield Capital has been a trusted and invaluable private lending partner of mine since 2018. The team has a commonsense approach by prioritizing relationships over just numbers and consistently going above and beyond for my clients. I can always count on them to deliver professional and often custom solutions for my borrowers. With competitive rates, fair fees, quick turnaround times, and, most importantly, trustworthiness, they are my go-to private lender.
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Michelle F.
Mortgage Broker
As a mortgage broker I can confidently say the team at Stonefield is top tier. Incredibly intelligent team who has a keen eye for underwriting loans and coming up with strategic solutions. They genuinely care about clients, which is very rare amongst private lenders, and are always piecing together solutions to help them get to their next level.
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Raman W.
Mortgage Broker
Best team hands down! Communication was always on point and they were able to provide fast solutions for our client. Truly a relationship-first team.
Private Mortgage Solutions
We specialize in situations where traditional lenders say no. We close fast and no appraisals are required.
Debt Consolidation
Consolidate high-interest debt using your home equity
Equity-Take-Out
Access equity without income proof or credit minimums
Rush Closing
Same-day commitment, close in as little as 48 hours
Construction
Finish your construction projects quicker and with less headache
Bridge Loans
Purchase financing when your sale property is not yet firm (or even listed!)
Power of Sale
Emergency refinancing or financial support to stop power of sale proceedings
Deposit Loans
Get your deposit loan quickly before your property is sold
Rental Property
Investor financing without bank rental income restrictions
Estate & Probate
Financing for properties with title in transition
Who We Serve
Whether you're a broker submitting deals, an investor seeking returns, or a borrower exploring options — we have a path for you.
Mortgage Brokers
Same-day commitments, equity-based underwriting and no appraisal conditions. We help you close more deals with custom catered solutions for you and your clients. Submit a deal and get a response today.
Submit a DealInvestors
Target 7–11% annual returns secured by Ontario real estate. Conservative underwriting, strong equity positions and co-investment from Stonefield on most deals. $0 in external investor capital lost since 2018.
Learn About InvestingBorrowers
Need a private mortgage? We can connect you with an experienced broker who can structure the right solution for your situation, or you can deal directly with Stonefield Capital
Connect with a BrokerFrequently Asked Questions
Quick answers to the most common questions about private mortgages.
What is a private mortgage?
A private mortgage is a short-term loan (typically 1 to 12 months) secured by real estate, provided by a private lender instead of a bank. Qualification depends on property equity and a realistic exit strategy — not credit score or income documentation. Stonefield funds private mortgages up to 70% LTV in major urban centres (Toronto, GTA), 65% in secondary markets and reducing LTV as property liquidity decreases
How fast can you close?
We issue same-day commitments and can close in as little as 48 hours for rush deals. Standard timelines are 3–5 business days from signed commitment to funded deal.
Do you require an appraisal?
In most cases, no. We use our own comparable sales analysis, saving the borrower $500–$1000 and 7 to 10 days on the close. When a formal appraisal is required, we flag it in the initial response, not at the last minute.
What are your rates?
Residential rates start from 7.49% for low-risk first positions in the GTA and run up to around 11.99% for higher-risk second positions in tertiary markets. Pricing depends on position, LTV, location, and exit strategy. Submit a deal for a same-day quote.
Do you lend directly to borrowers?
Yes but we suggest that you work through licensed mortgage brokers. When you work directly with us, your ILR (independent legal representation) should be providing you with guidance and advice on the terms of your private mortgage. We recommend you work with an experienced broker from our network who can structure the right solution for your situation and help you get back to institutional financing as quickly as possible.
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