Private mortgage rates in Ontario
The lowest published rate among 86 matching products is 5.35%, from Three Point Capital.
Lowest: 5.35%Half are at or below 8.00%Highest: 11.99%
86 products from 21 lenders. One record per lender is shown, lowest displayed rate first. Latest check October 19, 2026.
- Three Point Capital
Horizon — First Mortgage · 1 year · First · Up to 60% LTV · Fee wording published
Minimum Beacon 625 to 70% LTV · minimum Beacon 650 above 70% LTV
5.35%Lowest of 3 matching rowsChecked October 19, 2026Lender source opens in a new tab - Uptown Financial
1 Year Closed Private First Mortgage — 60% LTV · 1 year · First mortgage · Up to 60% LTV · Fee wording published
Private mortgage subject to application review; minimum published Beacon score is 600 and income documents may be required
5.74% starting60% LTVChecked October 19, 2026Lender source opens in a new tab - CMLS Financial
AVEO+ · Term not stated · First · Up to 50% LTV · Fee wording published
Residential · Beacon 600+ · CMLS lending area A+ · 40-year amortization available
5.84%Lowest of 12 matching rowsChecked October 15, 2026Lender source opens in a new tab - Antrim Investments
Residential First Mortgage — Open · Term not stated · First · Up to 50% LTV · Fee wording published
Residential property in a major Ontario centre
5.95%Lowest of 6 matching rowsChecked October 19, 2026Lender source opens in a new tab - Hosper Mortgage
Hosper Advantage · 1 year · First · Up to 70% LTV · Fee wording published
Residential · owner-occupied and tenanted properties · eligible GTA, Ontario city and small-town locations · marketable condition
From 5.99%Lowest of 2 matching rowsChecked October 19, 2026Lender source opens in a new tab - RiverRock MIC
First Mortgage · Term not stated · First · Up to 80% LTV · Fee wording published
Residential mortgage · final pricing depends on underwriting
Starting at 5.99%Checked October 19, 2026Lender source opens in a new tab - Stonefield Capital
Stonefield Ace · Term not stated · First · Up to 50% LTV · Fee wording published
GTA-focused residential · stricter credit box · approved appraisal required
From 5.99%Lowest of 3 matching rowsChecked October 19, 2026Lender source opens in a new tab - Tactical Mortgage Investments
Private First Mortgage — 1 to 24 Month Options · Term not stated · First mortgage · Up to 80% LTV · Fee wording published
Purchase, refinance or equity takeout; condominium maximum is 70% LTV; underwriting and collateral review apply
Starting at 5.99%Checked October 19, 2026Lender source opens in a new tab - Contemporary Investment Corporation
Residential First Mortgage — Closed · 18 months · First · Up to 75% LTV · Fee wording published
Owner-occupied residential · Ontario · LTV varies by location and property review
As low as 6.25%Checked October 19, 2026Lender source opens in a new tab - Atrium Mortgage Investment Corporation
Residential First Mortgage — Purchase · 1 year · First · Up to 65% LTV · Fee wording published
Purchase · up to 65% LTV · FICO 600+
6.49%Lowest of 3 matching rowsChecked October 19, 2026Lender source opens in a new tab
What this list shows
Private lenders commonly charge lender and broker fees on top of the rate. Each record repeats the lender’s fee wording where it is published.
Private pricing is usually driven heavily by property, location, mortgage position, LTV and exit strategy. Published figures are commonly starting rates or ranges rather than personal offers, and lender fees can materially affect the cost of a short term. The comparison therefore keeps the lender’s fee wording and qualification context visible and does not present a low starting rate as a suitability judgment.
Before comparing two of these rates
- Separate first- and second-position mortgages.
- Compare interest plus calculable lender fees over the actual term.
- Treat a starting rate as a floor unless the lender publishes a complete tier for the scenario.
Public research used for this guidance
- Financial Consumer Agency of Canada — borrowing against home equity opens in a new tab
Canadian guidance on second mortgages, HELOCs, borrowing limits and risks.
- Financial Consumer Agency of Canada — prepayment penalties opens in a new tab
Canadian guidance on charges that can matter when comparing mortgage terms.
- Consumer Financial Protection Bureau — compare loan estimates opens in a new tab
United States comparison guidance used only as an information-design benchmark for keeping rate, fees and time horizon together.
Published rates only, in each lender's own wording. This is not a recommendation or an approval. Rates can change after the date shown; open the lender's source and ask for a current quote before acting.