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Empowering borrowers with a wide rage of mortgage services even when the banks say no.

I’m An Existing Borrower
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Inquiries For Existing Borrowers
For inquiries about payout statements, balance letters, payment questions, or mortgage renewals, please reach out to our helpful Admin Team. Expect a response within 48 business hours.
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Exisiting Borrower FAQs

How can I change my bank account for monthly payments?

To update your bank details for payments, please email our admin team at admin@onestopmortgage.ca. Note that some changes might need a 7-day notice, and certain fees could apply.

My payment was returned. What should I do?

If a payment is returned, contact our admin team at admin@onestopmortgage.ca immediately to arrange for a replacement, keeping in mind a $200 NSF fee will apply.

Can I make a principal pay down on my mortgage?

Making a principal payment may be possible, depending on your mortgage's terms. Contact our admin team to verify your prepayment options at admin@onestopmortgage.ca.

Can I speak to somebody about my mortgage?

For any mortgage inquiries, our admin team is available at 877 874 8988 or via email at admin@onestopmortgage.ca. We're here to assist you!

Can I get a balance statement for my mortgage?

You or your broker can request a balance statement by emailing our administration team. We're here to provide the information you need.

Can you provide a document for my taxes?

We're unable to provide tax documents directly. However, your bank records should reflect the necessary information for tax purposes.

I want to pay out my mortgage. What are the steps?

For mortgage payouts, please have your notary or lawyer contact us at admin@onestopmortgage.ca at least 48 hours in advance to request the official payout figures.

Need A Mortgage?
With our investor network, we offer flexible mortgages for your home financing needs, covering everything from first to third mortgages. If you're self-employed or banks have turned you down, see how our alternative lending options can help finance your dream home.
FILL OUT A FORM
Land and Acreage Financing
Loans available for buying land or refinancing, using your property's value.
Bank Turndown Solutions
If the bank said no, we say yes, especially for self-employed people needing a mortgage.
Rush Purchase Financing
Secure fast financing for last-minute purchases, filling in when banks are slow.
Partial/Fractional Interest
Mortgage financing for clients with partial/fractional ownership of their property.
Construction Loans
Fast, easy loans for building projects, based on what you own, not paperwork.
Bridge Financing
Get quick money for urgent buys when the bank can't help, with same-day solutions.
Equity Take Out
1st, 2nd, 3rd, even partial interest mortgage options, allowing your clients to access the equity in their homes.
Refinance
Consolidate all those credit card payments into one lower, easier payment in the form of a 2nd mortgage.
Debt Consolidation
Your clients can access the equity in their home to consolidate debt into one easy to manage monthly payment.
New Borrower Questions

What are private mortgages and how are they different than traditional mortgages?

Private mortgages are loans extended by individual investors or private firms, rather than conventional banks. They offer flexible lending solutions for those who don't meet typical lending criteria, possess unique properties, or encounter credit hurdles.

How do I qualify for a private mortgage?

We are primarily focused on the equity available in your property, along with your ability and plan to repay the loan.

How long does the approval process take?

We can typically close within days of receiving all necessary documentation.

What are the rates and fees?

Our rates align with current market conditions, ensuring competitive pricing. We charge a straightforward broker fee.

What types of mortgages does OSM offer?

We offer a variety of mortgage products, all of which can be found here.

How do I apply For A Mortgage With One Stop Mortgage Corp.?

Please complete this application form.

Apply For A Mortgage Today!

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Private mortgage options in BC & Alberta

Your mortgage deserves a look at the whole situation.

Business income, a construction timeline, an unusual property or a closing deadline may not fit a standard lending template. That does not mean the conversation should end there.

One Stop Mortgage considers the property, available equity, financing purpose, timing and the plan for what happens next.

Tell us your situation See where you fit
Self-employedConstructionBank-declinedRefinancingLand & acreageClosing deadline
Self-employed business owners reviewing property financing with a mortgage professional
Start with what is actually happening. You do not need to identify the right mortgage product before beginning the conversation.
Real situations, not borrower labels

Private financing serves more than one kind of borrower.

The useful question is not simply whether a bank said no. It is whether the property, equity, purpose, timing and repayment plan support a workable mortgage structure.

01 · Self-employed & business owners

Your tax return may not tell the whole business story.

Standard income documents do not always reflect the complete circumstances of an established owner, incorporated professional or entrepreneur.

A private mortgage review can place more emphasis on the property and available equity while still considering the financing purpose and how the mortgage is expected to be repaid.

Useful starting contextThe property, approximate value, amount required, purpose, timing and how your business or another source supports the plan.
Discuss a business-owner mortgage
Business owners discussing a property-backed financing opportunity
Construction company leaders reviewing plans at an active multifamily project
02 · Builders & construction companies

A project is more than a completed-property appraisal.

Construction financing may require a project-specific look at the site, current stage, budget, funds already invested, amount still required, timing and the expected path to completion and repayment.

Useful starting contextProperty, project stage, approximate budget, financing gap, required timing and expected exit.
Discuss a construction project
Acreage owners reviewing property and mortgage information with a professional
03 · Property-led & non-traditional files

Sometimes the property or timing changes the underwriting conversation.

Land, acreage, mixed-use property, fractional interests, a second mortgage, an urgent purchase or another case-specific situation may need a different lending approach.

Useful starting contextProperty type and location, approximate value, existing mortgages, amount required, purpose and timing.
Discuss the property and situation
Private mortgages, explained

What is a private mortgage?

A private mortgage is financing secured against real estate and provided outside conventional bank lending.

It may be considered when the property, available equity, borrower circumstances, timing or financing objective does not fit standard bank requirements.

Private financing can place greater weight on the property and available equity. Rates, fees, terms and repayment conditions may differ from conventional financing, so the immediate solution and the plan for repaying or replacing the mortgage both matter.

A bank decline can be one reason to explore private financing. It is not the only reason—and it does not automatically mean a private mortgage will be approved.
How OSM looks at a file

Start with the property, purpose and plan.

OSM’s review places significant emphasis on available property equity together with the circumstances and a credible way to repay or replace the mortgage.

A private mortgage should not only solve today’s financing problem. There should also be a credible plan for what happens next.

The property

Location, property type, marketability and value establish the financing context.

The equity

What is the property reasonably worth, and how much mortgage debt is already registered against it?

The amount and purpose

How much financing is required, and what is the money intended to accomplish?

The mortgage position

Is the request for a first, second or another position, and what debt ranks ahead of it?

The timing and circumstances

Is this a purchase, refinance, construction project or another time-sensitive situation?

The way out

How is the mortgage expected to be repaid, refinanced or otherwise resolved?

Information follows the situation

Different files need different evidence.

OSM can tell you what supporting information is needed after the initial review. The examples below are context, not a fixed application checklist.

Business-owner context

Show the complete financial picture.

Depending on the file, context may include:

  • property and existing mortgage information
  • business history or operating context
  • available income or cash-flow information
  • the financing purpose and repayment plan
Construction context

Show where the project stands.

Depending on the project, context may include:

  • site, plans and current construction stage
  • budget and cost-to-complete information
  • capital already invested and amount still required
  • completion timing, sale or refinance strategy
Property-led context

Show the security and the request.

Depending on the property, context may include:

  • property type, location and approximate value
  • existing mortgages and requested position
  • amount required and intended use
  • timing and expected repayment source
Equity & loan-to-value

Property equity changes the conversation—but does not decide it alone.

Loan-to-value, or LTV, compares mortgage debt with the value of the property securing it.

Property equity can be important in private underwriting. Mortgage position, requested amount, property, timing, cost and repayment strategy can also matter.

There is no single OSM equity percentage that should be assumed for every mortgage. The appropriate structure depends on the complete file.
Illustrative example65% LTV
Total mortgage debt$650,000
Equity35%
Property value: $1,000,000Combined debt: $650,000

A second mortgage or another later position must also be considered in the context of the debt that ranks ahead of it.

What happens next?

Begin with a conversation, not a complete application.

Start with enough information to understand the situation. OSM will tell you what is needed next if the request appears worth exploring.

01

Tell us what is happening.

Start with the property, approximate value, amount, purpose and timing.

02

OSM reviews the situation.

The first look considers whether a private mortgage approach may fit.

03

Information is gathered.

Property, valuation, mortgage and other supporting information may be required.

04

Terms are reviewed.

If financing can be offered, amount, rate, fees, term and conditions are set out.

05

Legal closing and funding.

Approved transactions proceed through the required documentation and legal process.

Have a closing deadline? Some private mortgages can move quickly once the information and documentation required for the file are available. Actual timing depends on the mortgage and circumstances.
Tell us the closing date
Understand the complete cost

Private financing can cost more than a bank mortgage.

The complete cost depends on the mortgage. Ask for clear written information about the rate, fees, third-party expenses, payment structure, maturity and repayment expectations.

Interest

The rate charged on the mortgage over the applicable term.

Lender or brokerage fees

Fees associated with arranging or providing the financing where applicable.

Property valuation

An appraisal or another form of property valuation may be required.

Legal and transaction costs

Legal documentation, registration and other transaction-specific costs may apply.

It may be worth a conversation if

  • there is meaningful property equity
  • conventional financing does not fit
  • the financing has a defined purpose
  • timing matters
  • there is a credible repayment or exit plan

Ask more questions if

  • the total mortgage cost is not clear
  • the exit depends on something highly uncertain
  • the term is too short for the expected plan
  • financing only postpones a larger problem
  • the consequences of missed payments are not understood
Situations OSM may consider

Different circumstances call for different structures.

These are broad situations—not automatic approvals or fixed lending programs. Every file requires its own review.

Purchase & time-sensitive financing

When a property transaction cannot wait for conventional financing.

First, second and other positions

Additional or replacement financing based on the existing mortgages and complete file.

Refinancing

Restructure existing financing when another arrangement may better fit.

Equity access

Use available property equity for a defined financing purpose.

Debt consolidation

Property equity may sometimes support consolidation when cost and repayment are considered.

Self-employed borrowers

Another path when conventional income documentation does not tell the complete story.

Construction financing

Property- and project-specific financing when traditional structures do not fit.

Land and acreage

Case-specific review for property outside conventional residential criteria.

Fractional interests

Financing involving partial ownership requires a specific review.

Experience behind the conversation

Experience matters when the mortgage is not straightforward.

OSM has spent decades working with mortgage transactions that do not always fit neatly inside conventional lending.

Meet the OSM team
Since 1994Serving the mortgage industry
$3.1B+Mortgages funded since inception
150+Years of collective mortgage experience
700+Mortgage transactions a year
Private mortgage questions

Straight answers before you move forward.

These answers explain general concepts. The terms and suitability of a specific mortgage depend on the property, request, circumstances and documentation.

What is a private mortgage?

A private mortgage is financing secured against real estate and provided outside conventional bank lending. It may be considered when the property, available equity, borrower circumstances, timing or objective does not fit standard bank requirements.

Can self-employed borrowers get a private mortgage?

Private financing may provide another option when conventional income documentation does not reflect the complete circumstances. Property, equity, the amount and purpose of the financing, supporting information and the repayment plan still need to be reviewed.

Can private financing support a construction project?

Construction financing may be considered on a project-specific basis. The site, current stage, budget, cost to complete, financing required, timing and expected completion and repayment strategy may all matter.

Does bad credit automatically prevent a private mortgage?

Not necessarily. Private underwriting can evaluate a file differently from a conventional bank. Credit and income circumstances may still matter, and the property equity and repayment strategy still need to support the request.

How much equity do I need?

There is no single equity percentage that should be assumed for every OSM file. The structure depends on property value, existing mortgage debt, mortgage position, amount required and the complete circumstances.

Can I get a private mortgage after a bank decline?

Potentially. A bank decline does not automatically mean a private mortgage will be approved, but private lenders can consider factors and structures that differ from conventional underwriting.

Can I get a second mortgage?

A second mortgage may be possible when there is sufficient property equity behind the first mortgage and the complete financing request makes sense.

What does a private mortgage cost?

Costs depend on the transaction and can include interest, applicable lender or brokerage fees, appraisal or valuation costs, legal expenses and other transaction-specific charges.

How quickly can a private mortgage close?

Some files can move quickly once the required information, valuation and documentation are available. The actual timeline depends on the property, structure, documentation and circumstances.

What is an exit strategy?

An exit strategy is the realistic plan for repaying or replacing the private mortgage before or when its term ends. It may involve refinancing, selling the property or another reasonable repayment source.

Where does One Stop Mortgage lend?

One Stop Mortgage works with mortgage opportunities in British Columbia and Alberta.

Apply For A Mortgage Today!

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