Your Alternative Path to
Residential Mortgage Approval

Brightpath provides private mortgages
on urban residential properties across Ontario.

For borrowers >For brokers >

When Traditional Banks
Say No, Try Brightpath.

Brightpath works with licensed mortgage brokers to arrange residential mortgages for people who don’t meet traditional banks’ lending criteria.

Our friendly and efficient service and common sense approach to mortgage lending offers a refreshing alternative to conventional mortgage approval processes.

Looking for a private residential mortgage in Ontario?

See if Brightpath is a fit >

Who We Lend To

Mortgage regulations and stress tests exclude many people from mortgage approval by traditional banks and equity lenders. Brightpath takes a more holistic approach to mortgage lending criteria, examining each unique case individually.

Unlike traditional banks, we work with people who are:

  • Self-employed
  • New to Canada
  • Earning non-traditional sources of income
  • Experiencing credit issues
  • Seeking bridge financing or short-term mortgages

Typical Mortgage Terms

Brightpath’s highly experienced underwriters and support staff are committed to ensuring mortgage brokers and agents — and the clients they represent — have a simple and fast mortgage approval process.

  • Property Criteria
  • Urban Ontario properties only
  • Single-family residential homes (townhouse, condo, house with up to two acres)
  • Rental properties (single-family, duplex, triplex)
  • Underwriting
  • Mortgage solutions to 80% LTV
  • No borrowing limits
  • 12-month term (other options available)
  • Interest-only payments
  • Open terms available
  • Registration allowed in company name

For Brokers

Brightpath works exclusively through licensed brokers and agents. Work with us to secure fast, efficient private mortgages for your clients.

Learn more >

For Borrowers

Ask your broker or agent to evaluate Brightpath. Don’t have a broker? Contact us, and we can recommend some licensed brokers in your area.

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Private Mortgage Approvals, Fast

For general enquiries about Brightpath’s private mortgage lending, contact us at

See if Brightpath is a fit >