Common Sense Mortgage Lending. Real Solutions.
Whether you’re purchasing a home, consolidating debt, investing in real estate, or navigating a complex financial situation, our goal is simple: to help good people get great mortgage solutions when traditional lenders say “no.”
Traditional lending often overlooks great clients who simply need a different approach..
Whether you’re purchasing a home, consolidating debt, investing in real estate, or navigating a complex financial situation, our goal is simple: to help good people get great mortgage solutions when traditional lenders say “no.”
With decades of combined experience from local mortgage professionals, we provide flexible, transparent, and fast private mortgage options backed by responsible underwriting and real-estate-secured lending.
Self-employed / Non-traditional income
Short-term bridge / interim financing
Bank decline due to credit issues
Renovations, ADUS & investment upgrades
Newcomers to Canada
Facing CRA arrears, tax issues, or power of sale
Agricultural & Farm Financing
Why Borrowers Choose Erie Shores Capital
Erie Shores Capital is a Mortgage Investment Corporation (MIC) focused on delivering flexible and dependable private mortgage solutions through the professional mortgage broker channel.
As lending standards continue to tighten, many qualified borrowers are declined by conventional lenders due to income structure, credit history, property type, or timing constraints. Erie Shores Capital offers alternative mortgage financing designed to address these challenges by evaluating each request based on property fundamentals, loan structure, and exit strategy.
Our broker-driven approach ensures borrowers receive personalized guidance throughout the process while benefiting from efficient approvals and clear communication. We offer flexible rates and fee structures, straightforward terms, and open mortgages that allow penalty-free payouts when a borrower is ready to transition to long-term financing.
Our Mortgage Lending Solutions
At Erie Shores Capital, we know what it takes to get a deal done — and we know what brokers need: speed, transparency, flexibility, and real answers. That’s why we’ve built a MIC focused on helping mortgage brokers succeed with competitive private lending solutions.
1st Mortgages
For purchase, refinance, or restructuring when bank financing is unavailable or delayed.
starting at 9.49% + 2%
2nd Mortgages
Tap into your home’s equity to consolidate debt, access capital, complete renovations, or stabilize finances.
starting at 11.99% + 2%
Bridge Financing
Short-term loans that help you transition between properties without stress or delays.
starting at 8.25% + 2%
Commercial Financing
Flexible funding for income-producing commercial properties when traditional lenders don’t fit.
starting at 9.49% + 2%
Farm Financing
Specialized lending for agricultural properties for purchase, refinance, or operational needs.
starting at 9.49% + 2%
Max LTV: 80% | Admin Fees: $799.00
Borrower FAQs
If you are a current borrower and have any questions regarding your existing mortgage, please contact our office at 1.519.982.2505 (9:00am – 5:00pm EST) or email [email protected] and someone will be able to help you ASAP.
We fund mortgages on a wide range of properties across Southern Ontario, including residential (single-family homes, rental properties), commercial buildings, mixed-use properties, and agricultural/farm land.
No. Erie Shores Capital works exclusively through mortgage brokers and honors any exclusivity agreements they have. New borrower inquiries are referred to a mortgage broker, and existing borrowers are redirected back to the broker who originated their loan.
No. Many borrowers use private mortgages as a temporary step while improving credit, stabilizing income, or resolving issues that prevented bank approval. When structured properly, private lending can support a return to traditional financing.
An exit strategy explains how the mortgage will be repaid at the end of the term. Common exit strategies include refinancing, selling the property, or paying down the loan through improved income or asset liquidation. A clear exit strategy is essential to responsible private lending.