Resources & Education Center
Everything you need to understand private mortgages and make informed financing decisions. From foundational guides to specialized content, explore our comprehensive resource library.
Foundation
Start here to understand the fundamentals of private mortgages
How Private Mortgages Work
Complete guide to understanding private mortgage basics, process, and terminology.
FAQ Hub
Answers to the most common questions about private mortgages and alternative lending.
Glossary
Comprehensive definitions of private mortgage and real estate financing terms.
Solution Hubs
Deep dives into the three core hubs featured on the homepage
REAL ESTATE INVESTORS
Stalled Growth or Construction?
Money that enables your growth, helps you finish projects successfully and move faster than the banks.
BUSINESS OWNERS
Strong Business, Low 'Paper' Income?
Qualify on true cash flow and season your income for the bank.
HOMEOWNERS & LIFE EVENTS
Facing a Setback or Power of Sale?
Protection, stability, and a bridge back to traditional lending.
Common Financing Paths
Go directly to the private mortgage solution that matches your location, borrower profile, or funding need
Province-wide
Private Mortgage Ontario
Core private mortgage options for Ontario borrowers who need equity-based financing.
GTA
Private Mortgage Toronto
Private lending guidance for Toronto and GTA borrowers with complex scenarios.
Equity access
Second Mortgage Ontario
Use available equity without replacing your first mortgage.
Business owners
Self-Employed Mortgage
Mortgage options when tax returns do not reflect actual business cash flow.
Short-term
Bridge Financing
Short-term capital for timing gaps, purchases, exits, and urgent transitions.
Investors
Construction Financing
Private construction capital for renovations, stalled builds, and completion gaps.
Borrower Profiles
Explore borrower-specific guidance for income documentation, qualification, and lender strategy
Self-Employed Borrowers
Understand how lenders evaluate business owners, stated income, and non-traditional documentation.
Stated Income Mortgages
Learn when stated income makes sense and how to support it with credible evidence.
Gig Economy Income
Mortgage planning for contract, freelance, and platform-based income streams.
Why Choose PMC
See how our exit-first lending approach differs from transactional private lending.
Tools & Calculators
Interactive tools to help you plan your financing strategy
Cost of Borrowing Calculator
See the true cost of your loan with simple monthly payments and total amount you'll pay.
Bridge Loan Cost Analyzer
Analyze costs and timeline for bridge financing scenarios including interest reserves and exit strategies.
Equity Take-Out Calculator
Find out how much money you can pull from your property's value for investments or other needs.
Downloadable Guides & Reports
Free educational materials to deepen your knowledge
Private Lending 101: A Comprehensive Guide
Everything you need to know about private mortgages, from basics to advanced strategies.
Self-Employed Borrower's Handbook
Navigate mortgage applications as a self-employed professional or business owner.
Q4 2024 Private Lending Market Report
Latest trends, rates, and insights from the Canadian private lending market.