Because informing you is our priority

A private mortgage is more flexible, faster to qualify for, and is based primarily on the value of the property, rather than credit score or income.

The eligibility criteria for a loan at La Cité Financière are flexible and accessible. Approval is based primarily on your home equity, with no minimum credit score or traditional proof of income required. The process is fast, with a response time of less than 24 hours.

The average time to approve a private mortgage application is typically 24 to 48 hours, provided all required documents are submitted promptly. This process is often faster than traditional financial institutions, which can take several days.

• Real estate investment projects: financing for the purchase or renovation of properties for investment purposes.
• Real estate purchase: financing for the acquisition of residential or commercial properties.
• Mortgage refinancing: obtain cash using the equity in your property.
• Major renovations: financing for major renovations.
• Debt consolidation: consolidate your debts into a single monthly payment.
• Bridge financing: short-term loans to meet a temporary cash need.
• Share buyout in case of separation or divorce: financing to buy out your ex-spouse's share.
• Other: visit this page or contact us to find out more.

Each request is assessed individually to provide a solution tailored to your situation.

Yes, it's entirely possible to get a loan even with a bad credit history. At La Cité Financière, we focus primarily on the value of your property or project rather than your credit score.

The documents required for a private mortgage application vary depending on your situation. Please know that we do everything we can to make the process as simple as possible for our clients. Typically, you'll need to provide:

• A valid ID
• Proof of home insurance
• Statements from your mortgage lenders
• A specimen check for payments
• The location certificate for your building.