Closing Date Fast Approaching? Secure Funding in 24 Hours.
Don't lose your deposit. If your bank financing fell through last minute, we provide emergency mortgage solutions to close your deal on time.
Fast, Reliable, Immediate Closing Solutions
There is nothing more stressful than a mortgage denial days before your closing date. Banks often retract offers due to last-minute credit checks or appraisal issues.
Our Ottawa emergency closing team specializes in speed. We cut through the red tape to provide the funds you need to finalize your purchase, satisfy the seller, and move into your new home.
Save My DealWhy Do You Need Rapid Funding?
We help Ottawa buyers overcome last-minute obstacles to homeownership.
Bank Retracted Offer
It happens. The bank found something they didn't like at the 11th hour. We step in with private funds to close the deal so you don't breach your contract.
Quick Closing Date
Did you agree to a 2-week closing to win a bidding war? Traditional banks can't move that fast. We can approve and fund in days.
Gap Financing
Sold your current home but the money won't arrive before you buy the new one? We provide bridge loans to cover the gap.
What is "Closing Soon" Mortgage Assistance?
In the Ottawa real estate market, timing is everything. A "Closing Soon" mortgage is a specialized financial product designed for speed. While traditional banks take 30-45 days to process a mortgage, we operate on a timeline of 24 to 72 hours.
If you fail to close on the agreed date, you risk losing your deposit, being sued for damages by the seller, and losing the property. Our service is the safety net that catches you when traditional financing fails.
Our rapid closing process ensures:
- Immediate issuance of a Commitment Letter to reassure the seller/lawyer.
- Direct coordination with your lawyer to expedite title work.
- A 12-month interest-only term to give you breathing room.
- Flexible terms that act as a "bridge" (1 year term) allowing you to refinance later.
- Minimal documentation requirements compared to big banks.
Whether you need the full mortgage amount or just a second mortgage to cover a shortfall, our fast mortgage solutions are your best defense against a collapsed deal.
Why Trust Us With Your Urgent Closing?
We prioritize speed, execution certainty, and protecting your deposit.
⚡ Unmatched Speed
We are built for speed. Approvals in hours, funding in days. We work evenings and weekends to get it done.
🛡️ Deposit Protection
Failing to close means forfeiting your deposit. Our fees are a small fraction of what you would lose if the deal dies.
🤝 Lawyer Friendly
We work directly with Ottawa real estate lawyers to ensure the paperwork is flawless and funds arrive on time.
📉 No Stress Test
Our private lenders focus on the property value and your down payment, not the federal B-20 stress test.
🗓️ Bridge Solutions
Treat this as a short-term fix. Secure the home now, then take your time to arrange cheaper bank financing later.
🇨🇦 Ottawa Local
We know the values in Kanata, Orleans, Barrhaven, and the Glebe. We don't need weeks to order an appraisal.
The Emergency Process
When time is short, we move fast. Here is the plan.
Urgent Call
Call us or fill out the form immediately. Tell us your closing date and the property address.
Rapid Review
We review the Purchase Agreement and your down payment proof instantly.
Instant Commitment
We issue a mortgage commitment letter that you can show to your lawyer and the seller.
Deal Closed
We rush the funds to the lawyer's trust account. You get the keys and keep your home.
Eligibility Requirements
To move fast, we need the basics covered.
- ✅ Valid Agreement of Purchase and Sale for an Ottawa property.
- ✅ Down payment (minimum 20% usually required for private rush deals).
- ✅ Closing date must be within 24 hours to 30 days.
- ✅ Ability to make monthly interest payments.
Frequently Asked Questions
Honest answers about emergency closings.
How fast can you fund a mortgage?
We have funded deals in as little as 24 to 48 hours. However, the sooner you contact us, the smoother the process will be. If your closing is tomorrow, call us immediately.
Is it expensive to get a last-minute mortgage?
Private lenders charge higher rates and setup fees compared to banks because they are dropping everything to save your deal. However, the cost is significantly lower than losing your deposit or facing a lawsuit for non-performance.
What if the bank declined me at the last second?
This is our specialty. We do not have the same rigid criteria as banks. If you have the down payment and the property value is there, we can step in and replace the bank.
Is this a long-term mortgage?
Usually, no. These are designed as 1-year open terms. This gives you ownership of the house and buys you 12 months to fix your credit or organize your finances to move back to a traditional bank lender.
Do I need an appraisal?
In rush situations, we often use automated valuation models (AVM) or drive-by appraisals to save time. If a full appraisal is needed, we have partners who rush the report within 24 hours.
Can you help with new build closings?
Yes. Many buyers of pre-construction homes find that their financial situation has changed by the time the house is built. We fund the final closing so you don't lose the home.
What documents do I need ready?
Purchase agreement, MLS listing, ID, and proof of down payment. Have these ready in a PDF format to email immediately for the fastest service.
The Clock Is Ticking.
Don't let your dream home slip away. We are ready to fund your Ottawa purchase immediately.