Private Mortgage Calculator
St. Catharines, Ontario

Private mortgage rates in St. Catharines typically range from 8% to 14%, depending on loan-to-value ratio, property type, and exit strategy. Lender fees of 1–3% also apply. Our calculator shows exact costs for St. Catharines properties.

A private mortgage in St. Catharines makes sense when you can't qualify with A-lenders or B-lenders — common scenarios include self-employment, poor credit, unconventional properties, or urgent bridge financing. It's a short-term solution (6–24 months).

A licensed mortgage broker in St. Catharines (like lendsimpl, FSRA #13763) has access to dozens of private lenders and can negotiate the best rates and terms for your specific situation. We help St. Catharines homeowners find the right exit strategy too.