Flexible Private Mortgage Solutions Tailored to Your Needs
Quick, Reliable, and Flexible Loans Tailored to Your Needs
500+ Mortgages Funded Across Ontario
Fast turnaround times for qualified deals
Flexible Lending Up to 85% LTV
About Us
Your Trusted Partner in Private Mortgage Financing
We’re a Mortgage Investment Corporation offering tailored private mortgage solutions across Ontario. Whether you're self-employed, credit-challenged, or in need of fast approvals, our experienced team is here to help.
Our Mission
Our mission is to provide alternative lending solutions that are fast, fair, and flexible. We help homeowners and real estate investors access capital quickly when traditional lenders fall short.
Why Choose Us
With deep industry experience, fast turnaround times, and equity-based lending solutions, we’re more than just a lender—we’re your trusted financing partner. Whether you're self-employed or need creative terms, we simplify the process and put your needs first.
Our Commitment
Your success is our priority. We are committed to clear communication, competitive rates, and exceptional service—ensuring a smooth and secure lending experience at every stage of your financial journey.
Our Services
Tailored Lending Solutions to Meet Your Needs
we offer a range of flexible and accessible loan options designed to fit your unique financial goals. Whether for personal, business, or emergency needs, we’ve got you covered with simple and stress-free solutions.
For purchases, refinancing, or debt consolidation
Access home equity without touching your first
Short-term capital for real estate transitions
Our Expertise
Empowering Real Estate Success with Smart, Flexible Mortgage Solutions
Our team brings deep expertise in private mortgage lending, helping clients navigate today’s complex real estate financing landscape. Whether you're a homeowner, investor, or broker, we offer personalized solutions built on speed, transparency, and trust. From equity-based approvals to strategic funding options, we simplify the lending process and help you move forward with confidence.
Advantages of Choosing Our Private Lending Services
Discover the power of private mortgage solutions tailored to your unique situation. Whether you're consolidating debt, funding a new investment, or need fast capital for a property purchase, our team is here to make lending straightforward and stress-free.
We prioritize equity over credit, common-sense underwriting, and fast closings—giving you real options when traditional banks can’t.
Tailored Lending Solutions for Real Estate
Fast Approvals with Minimal Documentation
Equity-Based Decisions, Not Just Credit Scores
Trusted by Brokers, Investors & Homeowners
Why Choose Us
Trusted Lending.
Personalized Service.
Real Results.
Our experienced private lending professionals specialize in fast, flexible mortgage solutions when traditional financing isn’t an option. We emphasize transparency, speed, and common-sense lending to help clients succeed in today's market.
Equity-Based Expertise
We focus on what matters: property equity. Our team cuts through red tape and delivers smart lending solutions tailored to your unique needs—without the hassle of traditional banks.
Speed & Simplicity
Need funds fast? Our streamlined process delivers approvals in as little as 24–48 hours. No income verification? No problem. We make lending quick, clear, and efficient.
Ongoing Support
We don’t just fund your deal—we guide you through every step. From application to closing and beyond, our responsive team ensures a smooth and stress-free experience.
Private Lending Wisdom
Empowering Your Real Estate Goals Through Smart Mortgage Solutions
At Nine Key Lending, we provide fast, flexible lending options to help you access capital when you need it most. Our equity-based approach, transparent terms, and expert team ensure you make informed financial decisions with confidence.
Mortgages Funded Across Ontario
500+
Maximum Loan-to-Value (LTV) Ratio
85%
Total Funded in Active Mortgage Deals
$50M+
Mortgage Brokers Partnered With Us
100+
Testimonial
Genuine Reviews From
Satisfied Customers
"Nine Key Lending made securing a mortgage for my investment property effortless. Their team explained everything clearly, offered flexible terms, and got me funded fast. I wouldn’t go anywhere else for private lending."
Aarav Mehta
Real Estate Inverstor, Toronto, ON
"As an international investor, finding a lender I could trust was key. Nine Key Lending delivered a seamless experience, structured the deal around my needs, and moved faster than any bank I’ve ever worked with. Highly recommended."
Guilia Romano
International Investor, Kitchener, ON / Italy
Frequently Asked Questions
Common Business & Finance
Questions And Answers
What happens if I miss a loan payment?
At Nine Key Lending, we understand that life happens. If you miss a payment, contact us right away. We may offer short grace periods or restructure your loan depending on your situation. Staying in communication helps avoid additional fees or credit issues.
What is the interest rate for loans at Nine Key Lending?
Interest rates vary based on the type of loan (1st or 2nd mortgage), LTV, location, and risk profile. Our rates are competitive for private lending and fully disclosed upfront—no hidden surprises. We focus on fair pricing with flexible terms to meet your needs.
How do I know if I qualify for a loan?
We take a common-sense approach to lending. Qualification is primarily based on property equity, not credit score or income. Our team will guide you through the documentation needed and help structure a solution that works for your unique situation.
How long does it take to receive loan approval?
We move fast—typically 24 to 48 hours after receiving complete documentation. Our private lending process is streamlined for speed, helping you close quickly and with confidence.
At Nine Key Lending, we specialize in fast, flexible mortgage solutions designed to help you unlock the value in your property. Whether you're refinancing, investing, or need short-term funding, our team is here to guide you ever
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