Stonefield Capital provides private mortgage financing across Ontario for situations where traditional lenders cannot help. Whether due to timing, credit, income or other challenges, every deal is assessed on property equity and exit strategy, with same-day commitments and closings in as little as 48 hours.
Stonefield Insider Tip: The "Common Sense" Audit
A private mortgage should never be a permanent solution; it should be a strategic bridge to your next financial milestone. Whether you are dealing with a bank decline (due to your credit/income) or a rush closing, the most important part of your application isn't your credit score, it's your Exit Strategy. The Stonefield Difference: While banks use 'credit-box' algorithms that automatically decline 'messy' files, we perform a common-sense audit. We look at the 'why' behind the situation and the 'how' of the payout. If you have a clear plan to refinance or sell within 12 months, the equity in your property is often all the qualification you need. Don't let a 'no' from a bank stop you; give us the story and we'll help you reach your goals.
Financing by Instrument
Our core mortgage products available across Ontario.
First Mortgages
Private first mortgage financing using common sense, no appraisals, transparent pricing and closing fast.
Second Mortgages
Equity-based second mortgages for any credit score. We look at the property, liquidity and exit strategy.
HELOC
A private multiple draw mortgage. HELOC-like flexibility without the bank's income and credit requirements.
Financing by Situation
Each situation is different. Find the one that matches your needs or submit your deal and we'll tell you how we can help.
Debt Consolidation
Consolidate high-interest debt into a single private mortgage using home equity. All credit scores approved.
Equity-Take-Out Loans
Access your home equity without strict credit or income requirements. Qualification based on property value.
Rush Closing
Same-day commitments and closings in as little as 48 hours for time-sensitive transactions.
Construction Loans
Construction financing with fast draw releases and fewer progress reporting requirements.
Fix & Flip
HELOC-style multiple draw mortgages on principal residences and collateral properties for active flippers.
Bridge Loans
Purchase financing when the sale property has not yet closed (or isn't even listed!).
Power of Sale Remediation
Emergency financing to stop a forced sale and restore good mortgage standing.
Deposit Loans
Short-term deposit loans to ensure you don't lose your dream home.
Rental Property
Investor financing without bank rental income haircuts or property count limits.
Estate & Probate
Mortgage financing for inherited and probate properties where title is in transition.
Cottage & Vacation
Financing for cottages, waterfront, seasonal, and rural properties banks frequently decline.
Airbnb / Short-Term Rental
Financing for short-term rental properties most banks and monolines decline.
Not Sure Which Service Fits?
Submit the deal and we'll structure the right solution. Same-day response.