Question 1

What is a bridge mortgage?

Accepted Answer

A bridge mortgage is a short-term private mortgage — typically 6 to 12 months — that bridges two real estate transactions or timelines. You might need a bridge mortgage to close on a new property before your current one sells, to access equity while a longer-term plan is in place, or to bridge between construction phases. Unlike a conventional bank mortgage, a private bridge mortgage through PMC is assessed and funded in days. The exit strategy is built into the structure from day one.

Question 2

Is it hard to get bridge financing?

Accepted Answer

Through conventional lenders, yes. Banks apply rigid qualification criteria — employment history, debt ratios, credit scores — and move on timelines that rarely match the urgency of a bridge situation. Private bridge financing through PMC moves in days, not months. We assess the deal holistically: your equity position, the transaction you're bridging, and your exit. If the numbers work and the exit is clear, we can move fast. Submit your deal snapshot and we'll give you an honest read within 24 hours.

Question 3

Is getting a bridging loan a good idea?

Accepted Answer

When timed correctly with a clear exit strategy, yes. Bridge financing is a precision tool — short-term capital that solves a specific timing problem. PMC builds the exit strategy into every bridge deal from day one, so you're never carrying private financing longer than necessary. It's not open-ended debt — it's transitional capital with a defined path forward. If your situation has a clear exit, bridge financing is often the most effective solution available.

Question 4

What are the downsides of a bridging loan?

Accepted Answer

Bridge loans carry higher interest rates than conventional mortgages — that's the trade-off for speed, flexibility, and short-term commitment. They require a clear exit: a property sale, a refinance, or another defined repayment event. They're not suitable for long-term financing needs. PMC is upfront about this — bridge financing is a transitional tool, not a permanent solution. We assess whether the exit is realistic before we structure anything.

Question 5

Who qualifies for a bridging loan?

Accepted Answer

Real estate investors bridging between acquisitions, homeowners closing on a new property before an existing one sells, and developers bridging between project phases are all strong candidates. PMC assesses the deal holistically — your equity position, exit timeline, and overall deal structure matter far more than credit scores and tax returns alone. If you have meaningful equity and a defined exit, we want to hear about your situation.

Question 6

How does a bridge loan work in Ontario?

Accepted Answer

A bridge loan is short-term private capital — typically 6 to 12 months — secured against real property in Ontario. You use it to bridge two transactions or timelines: buying before you've sold, funding a project before takeout financing is in place, or accessing equity while a longer-term plan is being structured. Capital is deployed quickly once the deal is assessed and structured. The exit is planned from day one. PMC is an FSRA-licensed brokerage in Ontario, meaning every bridge mortgage is fully documented and registered on title.

Bridge Mortgage & Bridge Financing in Ontario

What is Bridge Financing?

Days, Not Months

Exit-First Structuring

FSRA-Licensed

$2B+ Deployed

From Deal Snapshot to Funded in 4 Steps

Deal Snapshot

Holistic Assessment

Funding

Defined Exit

When Timing Doesn't Match Conventional Lending

Real Estate Investors

Homeowners in Transition

Developers

Bridge Financing Questions, Answered

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