Residential Financing

Private Mortgages

When traditional banks decline your application due to credit history, income verification challenges, or property type, our private mortgage solutions provide a reliable alternative. We focus on the value of the property and your overall financial picture, not just your credit score.

  • First and second mortgage financing
  • Approval based on property equity, not just credit
  • Competitive interest rates starting from 6.99%
  • Terms from 6 months to 3 years
  • Funding for residential, rural, and unique properties
  • Self-employed and non-traditional income accepted
Apply for a Private Mortgage
Private mortgage financing for Canadian homeowners
Commercial real estate lending and financing
Business Financing

Commercial Lending

Fuel your business growth with our commercial lending solutions. Whether you are acquiring a commercial property, developing a new project, or expanding your portfolio, Evergreen Capital provides the capital you need with terms that work for your business.

  • Commercial property acquisition loans
  • Construction and development financing
  • Mixed-use and multi-unit residential funding
  • Loan amounts from $250,000 to $10,000,000+
  • Flexible repayment structures
  • Fast underwriting and approval process
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Short-Term Solutions

Bridge Financing

Timing is everything in real estate. Our bridge financing products provide the short-term capital you need to close on a new property before selling your existing one, preventing missed opportunities in competitive markets.

  • Short-term loans from 30 days to 12 months
  • Bridge the gap between purchase and sale
  • Quick funding to secure time-sensitive deals
  • Interest-only payment options available
  • No penalty for early repayment
  • Available for residential and commercial properties
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Bridge financing solutions in Ottawa
Mortgage refinancing consultation
Equity Solutions

Refinancing

Unlock the equity in your property to fund renovations, consolidate debt, invest in opportunities, or improve your cash flow. Our refinancing solutions are designed to put your property's value to work for you.

  • Access up to 85% of your property's appraised value
  • Consolidate high-interest debts into one lower payment
  • Fund home improvements and renovations
  • Competitive rates with transparent fee structures
  • No income verification programs available
  • Streamlined application and approval process
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Financial Freedom

Debt Consolidation

Simplify your finances and reduce your monthly payments by consolidating multiple debts into a single, manageable mortgage payment. Our debt consolidation solutions are designed to help you regain control of your financial future.

  • Combine credit cards, lines of credit, and loans
  • Significantly reduce monthly payment obligations
  • Lower your overall interest costs
  • Improve your credit score over time
  • One simple payment instead of many
  • Personalized plans based on your financial situation
Start Consolidating
Debt consolidation mortgage solutions

Not Sure Which Service Is Right for You?

Our experienced mortgage specialists will assess your situation and recommend the best financing solution at no cost or obligation.