Alternative Lending - Financing Solutions | Refinancement Hypothécaire - Take advantage of alternative financing and alternative loans in Canada

In many situations, you may not be eligible to receive a mortgage or personal loan from a financial institution or bank. A refusal to access the requested credit can be caused by different reasons: bad credit rating, lack of income, ineligible income. What recourse do you have to free up capital?

A financial institution or bank names you ineligible for a mortgage?

Consider an alternative loan to solve your problem!

At Refinancement Hypothécaire, we are proud to help Quebec residents gain access to credit or a mortgage through an alternative loan. During our consultations, we evaluate the value of your assets such as your property, this step helps us to give you an estimate of fees to help you finance your purchases and projects. Contact us anytime to learn more about your financial situation!

Need a private loan?

What is an alternative loan or alternative credit?

The alternative loan is quite similar to a mortgage or personal financing taken from a banking institution. The difference is that compared to a loan from a bank, an alternative loan comes from an individual or business. This one is called a private lender, they prepare for a higher risk in their loans, but it is also a smaller term money share.

When is an alternative loan the best solution?

An alternative loan is a useful solution for people who are looking for a source of financing for a project, such as a renovation or car purchase, but have a “risky” profile. Because of their high risk profile, banks may refuse financing requests from people with a poor payment history or low income.Fortunately, the private lender has a relationship with financial institutions and banks, and it is through these relationships that lenders can help you with your loan applications. When the search is unsuccessful and your loan application is denied, it is the alternative lender’s turn to offer you a loan based on the value of your property.

What is a private lender or alternative lender?

A private lender is a special type of lender. It is an individual or group that works as an investor, but the private lender can also be a company. Private lenders have access to a source of capital that they use to make private loans, such as mortgage refinancing or debt consolidation.

Take advantage of the services of a private lender without credit investigations!

Instead of relying on a person’s financial profile or even history when applying for a loan, Refinancement hypothécaire relies on the value of the person’s property. The beauty of a private mortgage lender is that they rely on the value of your property rather than your credit profile as a financial institution would. It’s a system that benefits you as a borrower: your application can be processed, approved and the money sent quickly after you apply. Contact us for a quick response and an optimal strategy!

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The benefits of working with alternative lenders

An efficient and secure process with easy access to funds

Private lenders do not subject you to the rigid processes and complicated bureaucracy of traditional banking and financial institutions. Approving a loan application at a financial institution can take days or even weeks in some cases.

On the other hand, anyone is potentially eligible for an alternative loan at Refinancing Mortgage, whether you are self-employed or an employee of a company.

With Refinancement Hypothécaire, find peace of mind knowing that you can apply for a loan in a matter of minutes. To better serve you, our team will be able to evaluate your file and give you an answer in less than a day!

The simplicity and speed of a private loan makes it a perfect option for those with urgent needs!

Keep your credit rating intact with the help of an alternative lender

Unlike declaring bankruptcy, a private loan will not have a negative impact on your credit rating. Since it is a loan like any other, you do not put yourself in a bad financial situation. Let’s not forget that declaring bankruptcy gives your file the “R9” mark, which makes it very difficult to access credit. Each credit bureau will keep this mark for 7 years. Refinancing Mortgage can help you avoid this situation with a solid budget!

Alternative financing based on the value of your home, not your credit rating

As private lenders, to help all those who may be in need (potential homeowners with poor credit or high debt levels), we have made the decision to base our financing on the value of your property or other assets. When granting mortgages, unlike regular lenders, we do not rely on your credit history or credit score. An alternative loan is relatively risky for both parties involved. The application process for an alternative loan is more expedited overall. We don’t ask for numerous documents and other endless paperwork. We are proud to be able to help many people and lend capital to more people who are being left behind by financial institutions.

Whether it is for an acquisition, an investment, a mortgage or a debt consolidation, the team at Refinancement Hypothécaire is there for you! Plus, if you’re lucky, you may be able to take advantage of the same no credit check mortgage rates as traditional borrowers.

You have the final say: our terms are flexible to your needs

Every day we work to give you what you need, which is why we want to meet with you to discuss your financial capabilities and payments. Refinancement Hypothécaire offers flexible terms based on your needs because you want to make sure that you are in a financial position where you are able to pay off your alternative loan.

Flexible payments are available as well as reduced monthly payment fees to give you the opportunity to save money on your repayment.

Need a private loan

Discrete event suites for those involved

We understand and respect our clients’ discretion when borrowing! Any personal information that is shared with Refinancement Hypothécaire will remain confidential and will never be passed on to another mortgage broker without your consent. You can trust us with your personal information.

Refinancement Hypothécaire is your ally in choosing the best possible private financing terms!

We take our mission and values to heart; we work in the best interest of our clients and promote success in their projects. Our guideline is very clear to all staff members. That’s why all of our employees listen and respond to your needs and take the time to evaluate your file to ensure the best reliable services and personalized recommendations.

Professional assistance with financial institutions for a regular loan

Our service always begins with personalized assistance to our clients when approaching different financial institutions to try to secure a traditional mortgage. With traditional lenders, you can expect better regular interest rates with the possibility of a long term loan. On the alternative loan side, we explore different financing options with you to ensure the best option for you!

Refused by the bank? We are ready to help you!

Do you find yourself with a credit file that is not approved by the banking institutions? Contact our alternative financing experts to discuss your needs and how we can help you improve your financial situation. We will be happy to evaluate the different options available and explore the possibilities offered by a private loan with Refinancement Hypothécaire. With a flexible and human approach, we are confident that a loan with us is an excellent option for your various projects.

Alternative Lending - Financing Solutions and Alternative Credit Services