Skip to main content

Alternative Loans

Not Eligible for a Mortgage from a Financial Institution or Bank?

If you’ve faced difficulties securing a mortgage or personal loan from a bank or financial institution, you’re not alone. Many borrowers encounter barriers such as a low credit score, insufficient income, or ineligible revenues. What alternative financing solutions are available to unlock capital?

An Alternative Loan Could be the Solution for You

Alternative loans, including private loans, offer flexible repayment options and are ideal for borrowers facing challenges with traditional lending. Refinancement Hypothécaire specializes in helping Canadians secure alternative loan funds. Whether through private lenders or non-traditional loans, we’re here to assist you. Contact us today to discuss your situation and start your loan application!

Rejected by the Bank? Consider an Alternative Loan Instead!

Prêt Privé

Benefits of Working with Alternative Mortgage Lenders

Efficient and Secure Process with Easy Access to Funds

Private lenders streamline the loan application process, avoiding the delays of traditional banks and financial institutions. With alternative lenders, borrowers can access funds faster, whether self-employed or employed, through Refinancement Hypothécaire.

Keep Your Credit Score Intact with the Help of an Alternative Lender

Alternative loans protect your credit score, unlike bankruptcy, which leaves lasting marks. With flexible repayment options and no need for a co-signer, Refinancement Hypothécaire ensures you secure financing while keeping your financial situation stable.

Tailored Solutions for Different Borrowers

Alternative lenders offer customized alternative loans to fit various borrower needs. Whether seeking private loans, or alternative financing for mortgages, Refinancement Hypothécaire provides flexible repayment options. With simplified eligibility requirements, faster loan application processes, and no need for a co-signer, we make securing alternative loan funds easy, regardless of your situation.

Apply for an alternative loan

Alternative Financing That Prioritizes Your Home's Value, Not Your Credit Score

As private lenders, we help homeowners with low credit scores or high debts by focusing on the value of your property. Unlike traditional lending institutions, we prioritize alternative loans that do not rely on your credit history or credit check. With an accelerated alternative loan application process, fewer documents, and faster approval time, our goal is to make alternative financing accessible. We are proud to support more people who are often overlooked by traditional financial institutions.

You’re in Control: Flexible Terms Tailored to Your Needs

We strive to offer tailored alternative loan solutions that match your financial capabilities. At Mortgage Refinancing, we provide flexible repayment terms to ensure you can repay your loan, even in a challenging financial situation. Our goal is to help you manage your alternative loan with confidence.

Need an Alternative Loan?

Contact Us

Why Refinancement Hypothécaire is Your Trusted Partner for Private Financing

Professional Assistance with Financial Institutions for a Regular Loan

Our service starts by providing personalized support to clients seeking loans from traditional financial institutions. With these lenders, you can expect competitive interest rates and favorable loan periods. When exploring alternative loans, we work with private lenders to provide you with tailored loan options that best suit your needs.

Expert Guidance for Finding the Right Alternative Loan

If you have a low credit score or struggle with debts, our team will guide you through alternative financing solutions. We’ll discuss your financial situation and explore repayment options through private loans that fit your needs. With flexible terms and a streamlined loan application process, we are confident that our approach is the right choice for unlocking funds and securing your project.

A Network of Trusted Alternative Mortgage Lenders in Canada

At Refinancement Hypothécaire, we connect you with a network of trusted alternative loan lenders across Canada. Our private lenders offer flexible alternative loans for those who don’t meet traditional eligibility requirements or need quick access to funds. We help you navigate the application process, securing competitive repayment terms and providing the resources you need to make the best choice for your financial situation.

Denied by the Bank? We’re Here to Assist You.

Need an alternative loan?

Alternative Loans Canada - Secure Financing Solutions with Refinancement Hypothécaire

Apply for an alternative loan

Learn More About Alternative Loans and Alternative Mortgage Lenders

What is an Alternative Loan or Credit?

An alternative loan is similar to a mortgage or personal financing but is provided by private lenders instead of a traditional bank. Unlike a bank loan, which typically follows strict credit check and eligibility requirements, an alternative loan comes from an individual or company willing to take on higher risk. These alternative loan lenders offer more flexible repayment options and shorter loan periods, giving borrowers faster access to funds.

What is an Alternative Lender in Canada?

An alternative lender in Canada offers alternative loans outside traditional financial institutions like banks. These lenders, often private lenders or credit unions, provide more flexible repayment terms and cater to borrowers who may have lower credit scores or don’t meet strict eligibility requirements. Alternative lending is ideal for those needing quick access to funds, bypassing the lengthy application process seen with traditional lending institutions.

What are the Easiest Loans to Get Approved for?

The easiest loans to get approved for are typically alternative loans or private loans. These options are less dependent on a high credit score or a co-signer. Borrowers with limited financial history or those with debts can benefit from more lenient eligibility requirements, shorter loan periods, and faster approval time. Alternative lenders offer flexible repayment options and simplified loan application processes.

What are the Disadvantages of Alternative Lending?

While alternative lending offers flexibility, it often comes with higher costs. Private lenders may charge higher interest rates and variable interest rates, leading to increased monthly repayment. Additionally, alternative loans typically have shorter loan periods, and borrowers may face stricter repayment terms. Compared to federal loans, these non-traditional loans can pose more risk if the borrower’s financial situation worsens.