Private Mortgage Lender for all!

Loans from $10,000 to $100,000 approved in 24 to 48 hours

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At Lauréat Finance, we believe every financial situation deserves a flexible, respectful solution no matter your credit history. Over 12,500 clients across Quebec have secured the financing they needed thanks to our personalized, human approach.

Obtain a private mortgage in 3 easy steps

Our process is designed to be simple, fast and straightforward. Here’s how it works:

1

Submit your request

Complete our online form in just a few minutes. No credit verification is required at this point.

2

Analysis of your situation

A broker from our team will contact you promptly to better understand your application, assess the value of your property and determine the amount of a possible loan.

3

Approval and payment

Once the offer has been accepted, funds can be released within 24 to 48 hours.

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Learn more about our available private mortgages

Our private financing solutions are designed to meet a wide range of needs, including :

60-Day Notice

Deal with a 60-day notice with peace of mind and confidence, thanks to our tailor-made solutions.

FIND OUT MORE ABOUT 60-DAY REVIEWS

Debt Consolidation

Lighten your financial burden and consolidate your debts with our flexible consolidation options.

FIND OUT MORE ABOUT DEBT CONSOLIDATION

Legal Mortgage

Protect your property and avoid foreclosure with tailored financial assistance

FIND OUT MORE ABOUT THE LEGAL MORTGAGE

Low Credit Score

Access mortgage options even with an underperforming credit history.

FIND OUT MORE ABOUT MORTGAGE LOANS WITH BAD CREDIT

Second Mortgage

Access liquidity using the equity you’ve built up in your home, without having to refinance your existing loan.

FIND OUT MORE ABOUT SECOND MORTGAGES LOANS

Self-Employed Worker

Get a mortgage designed for your reality as a self-employed worker.

FIND OUT MORE ABOUT MORTGAGE LOANS FOR SELF-EMPLOYED WORKERS

« Together,let’s find the solution that fits your needs and regain control of your finances. »

We’ve successfully helped over 12,500 customers since 2014

For over 10 years, we’ve helped thousands of Quebec homeowners navigate their way through a variety of financial situations. Whether they needed to finance renovations, pay off debts or catch their breath after being turned down by a bank, we offered a reliable, fast and humane solution.

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Benefits of a private mortgage

Choosing a private mortgage means opting for a convenient and practical solution, even in more complex financial situations: whether you’re self-employed, in the process of consolidating your debts or facing a 60-day notice, our private mortgage financing is tailored to your reality. This type of loan offers an essential alternative for those who don’t meet the banks’ criteria, notably because of their credit rating or a complex financial situation.

 

Thanks to our network of private lenders, we can approve substantial amounts quickly, without rigorous credit checks. Our approach focuses on the value of your property and your ability to move forward. The support we provide goes beyond the granting of a loan: we stay by your side throughout the process to ensure peace of mind.

  • Accessible even with a low credit rating or faulty credit history

  • Large amounts available quickly

  • No refusals based solely on credit

  • Human, non-judgmental support

  • Competitive interest rates tailored to customer profile

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Why choose Lauréat Finance?

Lauréat Finance is not a traditional financial institution. We work with a network of private lenders rigorously selected for their reliability and transparency. Here’s why our customers put their trust in us: our approach is transparent and respectful, making us a trusted partner for thousands of Quebecers. With more than 12,500 customers helped, we’ve built a solid reputation in private mortgage lending in Montreal, Quebec City and across the province. Our specialized brokers take the time to understand your personal situation and guide you towards the most appropriate solution. 

 

Our strength lies in our ability to act quickly, while offering a non-judgmental, human experience. Unlike large institutions, we assess each application individually. Our decisions are never based solely on credit, but on the real potential and needs of each customer.

  • No refusals based solely on credit rating

  • Over 12,500 satisfied customers since 2014

  • Clear, simple and fast process

  • Mortgage financing available throughout Quebec

Our mission at Lauréat Finance

Our mission is to offer fair and swift access to private mortgage financing, whatever your financial background. We believe in second chances and in the strength of a human -centered approach. Thanks to our expertise, we offer concrete solutions to reduce your debts, finance your projects or overcome a financial emergency.

Find out more about us

FAQ

Are you eligible for a private mortgage loan?

Yes, a private mortgage is available to any homeowner with equity in their property. At Lauréat Finance, we offer solutions even to borrowers who don’t meet the criteria of traditional financial institutions.

The cost depends on several factors, including the equity in the property, the loan amount, the term of the loan and the borrower’s risk profile. Rates are generally higher than a bank loan, but approval is faster and more flexible.

A private mortgage uses your property as collateral to obtain financing. The process is quick and the loan is structured according to your home equity and current financial situation.

Payments can be made on a monthly basis, or as otherwise agreed between the private lender and the borrower. At Lauréat Finance, we work with you to determine a reimbursement plan that fits your budget.

Once the application has been submitted and the required documents received, approval can be given within 24 to 48 hours. Release of funds will follow quickly, depending on the circumstances.

Rates will vary according to the borrower’s profile, level of risk and property value. Generally speaking, they are higher than those offered by financial institutions, but offer a fast, flexible solution for urgent or complicated situations.

No. Unlike banks, Lauréat Finance does not use credit rating as its sole criteria. Instead, we base our decision on the value of your property and your actual ability to repay the loan.

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Submit Your Private Loan Application Now!

Ready to regain financial stability? Start today by completing your private mortgage loan application with Lauréat Finance, your ultimate financial ally.