Client Comments
Thank you so very much for putting so much effort and time for helping us.



We were so happy that you were able to provide us with construction financing. The draw amounts work fine with our builder and we plan to refer anyone building a house. Thanks again.



Hi Joe

Just wanted to pass on our thanks again for all your help with securing our mortgage.

In hindsight, we would have to say that the entire process of buying for the first time went really well and we managed to avoid a lot of the headache and inconvenience that others seem to come across.

Certainly in regard to arranging our mortgage, things could not have been easier for us and we have you to thank for that.

Your patience and attention to detail was greatly appreciated.

All the best,

. Aghazzarian & L. Marino


Truly Professional

Joe helped us out with our financing and all the questions we asked. The rates and service was excellent and he even came to our house to sign all the papers.

We have recommend him to our co-workers, friends and family.


Mortgage Needed In a Hurry!

We needed to arrange something quickly and Joe Walsh was able to provide us with a commitment on the same day;

I would definitely recommend Joe.

A Satisfied Customer!


We supplied Joe Walsh with all of the pertinent information and we were able to sit back and relax while Joe took care of everything.

He examined all of the possibilities and came up with one that best suited our needs.

Joe took all of the shopping and confusion out of the experience and made it simple for us.

We have used Joe several times in the past and will continue to do so in the future.

He is knowledgeable, professional, there to service quickly & promptly without the stress that normally comes along with this sort of decision

Private Mortgage Investor

“How To Become A Private Mortgage Investor Or Lender”

First of all, when we speak of a private mortgage investor or a private mortgage lender, in most cases they are one in the same.

The only times when you could potentially draw a separation between them is when you are referring to something like a mortgage investment corporation where the corporation looks after investor funds and places those funds into private mortgages.

In that context, the mortgage investment corporation or MIC would be the private mortgage lender and the individuals providing funds for lending would be the private investors.

In almost all other cases, the lender and investor are the same.

toronto mortgage broker contact

So regardless of how we refer to it, the question remains the same…how does one get into the business of private mortgage investing/lending?

The answer to this has a few different layers and we will now explore.

First, from a regulatory point of view, there is no securities laws or special investment governance that is required to place a private mortgage. You don’t have to take a course or become qualified in any particular manner.

Second, the level of knowledge required to start investing in private mortgages is minimal as compared to any other type of investing. This type of investment vehicle is very straight forward to understand. And while it is always a good idea to consider the counsel of experts such as lawyers, brokers, real estate agents, accountants, and so on, you certainly don’t have to when making a decision to invest or not.

Third, there is no minimum cash requirement for investing in private mortgages. You can use cash or leveraged funds if you so choose.

Requirements For Private Mortgage Investing

The only real requirements that exist to become an investor in private lending situations is to 1) have money to lend or invest; and 2) be able to access the market for potential borrowers that meet your lending/funding criteria.

Now there can be a lot more that goes into being a successful private investor as with any type of investment vehicle, there is risk involved and losses can be incurred if risk is not properly managed.

But that is really a different discussion to get into as the focus of this article is how to become a private money investor in the mortgage market.

Proven Approach For Becoming An Investor
In Private Mortgages

The most common method for investing in mortgages is through recruiting the right team of experts to support you.

The majority of private lenders work with mortgage brokers to source and administer deals, and with a lawyer to close and fund the deals as well as act on behalf of the investor if there are any legal issues that arise related to mortgages placed.

Selecting the right broker and lawyer will get you well on your way to becoming an active and successful private mortgage investor.

The key is in selecting individuals that have experience and a track record of successfully managing their client’s requirements.

If you would like to learn more about our private mortgage investing services for the private investors we work with, please give me a call and we’ll set up a time for a phone call or face to face meeting that works for both of us.

Click Here To Speak Directly With Toronto Private Mortgage Broker Joe Walsh

3 Responses to Private Mortgage Investor

  • My family and I would love to become private lenders. We live in northern Ontario where real estate is fairly cheap. We have some cash and some equity that we would love to invest. No idea how. Can you help us???

  • What return would a private mortgage InvesTor expect to make annually? What happens if the Borrower defaults? Thanks.

  • There can be quite a range in what a private lender can earn as a return depending on first or second mortgage position, geography, type of real estate and so on. In general terms, most private lender have high single figure, low two figure returns. If a borrower defaults, the lender has the same recourse as any other registered mortgage holder such as a bank or credit union.

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