Close the Gap with Bridge Financing Solutions.
Need an emergency bridge loan to secure your new home before the old one sells? We provide immediate transition capital when you need it most.
Seamless Transition Capital
Timing in real estate is rarely perfect. You found your dream home, but your current one hasn't sold yet. We offer an urgent short term mortgage bridge to cover the down payment and closing costs.
Whether you need a fast bridge financing home purchase solution or funds to finish a renovation before listing, our private capital bridges the gap instantly.
Bridge My MortgageWho Needs Bridge Financing?
We help homeowners and investors dealing with timing mismatches.
Home Buyers
Closing date on the new house is *before* the closing date on the old house? Use our quick bridge mortgage for property sale to span the dates.
Flippers & Renovators
Need cash to buy a property, fix it up, and sell it? Our commercial-style bridge loans are perfect for short-term flips.
Sale Fell Through
Did your buyer back out last minute? Don't lose your new purchase. Use a temporary emergency mortgage transition loan to save the deal.
What is Bridge Financing?
Bridge financing is a short-term loan, typically last 1 to 12 months, designed to "bridge" a gap in funding. It is most commonly used when buying a new property before the proceeds from the sale of an existing property are available.
We provide emergency bridge loan options that are strictly asset-based. This means we look at the equity in your properties, not your income or credit score. Because these are short-term loans, gaining approval is faster and easier than a traditional mortgage.
Key Features:
- **Speed:** Funded in as little as 48 hours.
- **Prepaid Interest:** No monthly payments required during the term.
- **Open Terms:** Pay back the loan fully as soon as your property sells, without penalty.
- **Flexible Use:** Use funds for deposits, closing costs, or moving expenses.
Don't let a timing issue cost you your dream home.
Why Choose Our Bridge Loans?
Speed, flexibility, and certainty of funding.
⚡ Ultra-Fast Funding
We can close in days, not weeks. Perfect for an urgent short term mortgage bridge.
🛡️ Cash Flow Friendly
Most of our bridge loans have interest prepaid from the loan amount, so you have $0 monthly payments.
🤝 Simple Approval
We don't need complex income confirmation. If the equity is there, the loan is approved.
📉 Bad Credit Accepted
Since the loan is paid out from the sale of the house, your current credit score is irrelevant.
🗓️ Open Mortgages
Never get locked in. Pay off the bridge loan the moment your house sale closes with no extra fees.
🇨🇦 Competitive Rates
We offer some of the most competitive private bridge rates in Canada for strong files.
Bridge Financing Process
Get from Point A to Point B without the stress.
Apply
Provide details on both the property you are buying and the one you are selling.
Valuation
We assess the value of both properties to determine the total available equity.
Approval
Receive a commitment letter outlining the loan amount and costs.
Funding
Funds are sent to your lawyer to complete your purchase. You pay us back when you sell.
Eligibility Checklist
Qualification is based on the "spread" of equity.
- ✅ Valid Sale Agreement for your current home (preferred but not always mandatory).
- ✅ Valid Purchase Agreement for the new property.
- ✅ Sufficient equity (usually 25%+) across both properties combined.
- ✅ Located in a marketable urban area.
Frequently Asked Questions
Common questions about bridge loans.
What if my house hasn't sold yet?
We can still help. We offer open-ended bridge loans (often called blanket mortgages) that give you time to list and sell your property even after you have bought the new one.
How much can I borrow?
You can typically borrow up to 75% or 80% of the combined value of both properties, minus any existing first mortgages.
Is there a monthly payment?
Usually, no. We structure temporary emergency mortgage transition loans with prepaid interest. The interest is deducted from the advance, so you don't worry about payments until the loan is paid off.
What are the costs?
Bridge loans have a setup fee (lender/broker fee) and a higher interest rate than a bank mortgage. However, since the term is short (e.g., 3 months), the actual dollar cost is often very reasonable for the convenience.
How fast can you fund?
We specialize in speed. If your paperwork is in order, we can fund in 2 to 3 business days.
Secure Your Purchase Today.
Don't let a closing date mismatch ruin your plans. Get fast bridge financing home purchase capital now.