The Pre-Funding Due Diligence Checklist for Private Lenders
The best time to catch a problem in a private mortgage is before the money goes out the door. Here is a practical pre-funding checklist experienced lenders run on every ...
Mortgage Administration in BC: BCFSA Oversight and What’s Changing in 2026
British Columbia is in the middle of the biggest change to its mortgage rules in 50 years and it’s directly relevant to anyone who lends privately or relies on someone ...
Understanding LTV and Security: How Conservative Underwriting Protects Your Capital
If you remember only two numbers when assessing a private mortgage, make them position and loan-to-value (LTV). Together they describe how protected your capital is. Loan to Value LTV is ...
Inside a Licensed Mortgage Administrator: Trust Accounting, Payments, Compliance, and Reporting
“Administration” can sound like paperwork. In a private mortgage it is closer to financial controllership and the controls exist specifically to protect the lender’s money. Here is what a properly ...
Setting Your Private Lending Criteria: Geography, Position, LTV, and Target Return
Disciplined private lenders share one habit: they decide what they will lend on before a deal is in front of them. A clear set of criteria turns a range of ...
Why Lender-Only Representation Matters in Private Mortgages
In any mortgage transaction there are two sides with opposing interests. The borrower wants the most money at the lowest rate on the easiest terms. The lender wants appropriate security, ...
MIC vs. Direct Private Lending: Which Model Gives You More Control?
If you want exposure to mortgage returns, two common routes are a Mortgage Investment Corporation (MIC) and direct private lending. They suit different investors, and the difference comes down to ...
Private Mortgage Lending in BC and Ontario: A 2026 Guide for Investors
Private mortgage lending has moved from a niche into a mainstream alternative asset for investors who want yield backed by real property. As banks have tightened, well-structured private mortgages have ...
What Is Mortgage Administration, and When Should a Private Lender Outsource It?
Mortgage administration is the ongoing servicing of a loan on the lender’s behalf. It typically includes collecting and reconciling borrower payments, holding funds in trust, remitting to the lender, tracking ...
Why Private Mortgage Lenders Should Consider Outsourcing to External Loan Servicing Companies
In today’s rapidly evolving financial environment, private mortgage lenders are faced with an array of challenges. From regulatory complexity and portfolio management to customer service, every aspect of loan servicing ...