Private Mortgage Lenders Ontario

Short-Term Mortgage Solutions in Ontario

Calvert Home Mortgage works with real estate investors, mortgage brokers, and homeowners across Ontario.
Calvert Home Mortgage office building in Calgary, Alberta

We View Lending as a Partnership

Calvert Home Mortgage Investment Corporation has been leading short-term mortgage solutions since 1975. We provide fast and flexible lending services in Ontario. We partner with brokers, investors, and homeowners on deals supported by capital and a realistic exit plan.

Why Work With Calvert Home Mortgage?

  • No appraisals required on properties valued up to 1.5 million
  • Free in-house valuations
  • Fully open mortgages — no prepayment penalties
  • Properties funded in any condition
  • Use equity from other properties as additional security
  • Commitment letters issued within 1–3 business days

Flip/BRRR, Interim Purchase, and Bridge financing are fully open with interest-only payments and terms up to 12 months.

Top Questions

Select your audience below to find answers most relevant to you.

For Mortgage Brokers

We lend to qualified borrowers throughout Ontario.

Population Threshhold Lending Condition
100k+ population 25k driving distance within these city limits
50k+ population 10k driving distance within these city limits
10k+ population * Within city limits
Rural and acreage ** Reviwed case-by-case

*Some restrictions apply.
**Rural, acreage, and small-town properties are reviewed on a case-by-case basis.

We have a lifetime client guarantee. If you have brought us a client, we are committed to referring them back to you.
We share a fixed broker fee. By sharing a fixed fee with our lending partners, we support smoother approvals, competitive pricing, and a more predictable, efficient experience for both brokers and their clients.

For Real Estate Investors

Yes, we allow the down payment, renovation costs, and carrying costs to come from borrowed funds. We do expect you to invest some of your own funds and demonstrate the ability to cover the mortgage and any borrowed amounts. Gifted funds are accepted, as long as they are properly documented.

We also offer flexibility by allowing you to use equity from another property you own as security. This equity can be used to access additional funds for renovations, larger down payments, or potentially lower interest rates.

Most traditional lenders use the purchase price or as-is value. We assess the After-Repair Market Value (ARV) considering the value of the property as if renovations were completed when providing FLIP and BRRR financing. Having a clear renovation plan is important and maximizes your likelihood of success.

How to Get Pre-Approved

Watch this step-by-step guide to getting pre-approved with Calvert Home Mortgage.

Trusted by Investors, Brokers, and Homeowners Across Ontario

We provide short-term mortgage solutions powered by attentive care, and a responsive, collaborative team of experts.

4.9
Based on 86 Reviews
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Christian
13 January 2026
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Spenser, Katarina and the team at Calvert Home Mortgage are true partners. When working with clients who are looking for creative financing solutions for their investment projects, true teamwork and cooperation with my lenders is important to me --- for me, Calvert provides this, which is why I will continue to recommend them as a partner to my clients.

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Tyler Salmon
3 December 2025

Kat and Hannah are incredible partners and worked magic for our clients. Great lenders with great products :)

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mark heit
22 October 2025

Calvert is amazing and always a pleasure to work with. As a mortgage broker, they have provided me with super fast and effective solutions that have been able to help my clients when funds were quickly required. Thank you!

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Prashant Chudasama
22 September 2025

We had such a great experience working with the Calvert Mortgage team! A special shout out to Logan and Garrett for their exceptional service. They were always quick to respond, provided clear communication, and went above and beyond with creative solutions to make sure our clients' purchase transaction closed smoothly and on time. Their professionalism, problem-solving skills, and dedication truly set them apart. We couldn’t be happier and would highly recommend the Calvert Mortgage team to anyone looking for knowledgeable and reliable mortgage support!

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I recently used Calvert Homes, and I must say Hannah was awesome to deal with and was very efficient and kept me up to date as the deal was getting processed. Hannah was also very knowledgeable and was able to turnaround the deal and get it funded in about a weeks time and honestly was great to deal with throughout the whole process and was always available to answer any questions I had. I will definitely be utilizing Calvert homes again in the near future. Thanks Sukhy

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Terry Felton
3 May 2025
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Crystal Phillips
23 April 2025

Amazing team

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Shane
3 April 2025

Protect your personal information. This company experienced a data breach and unnecessarily compromised my personal banking information despite not needing to store that information any longer. I reached out and spoke with their Chief Risk Officer many times for more information on the issue but he could not share many details. They assured me that the “experts” they consulted determined the risk to be minimal and offered a one year subscription to a credit monitoring agency. After researching, I requested an extension because I was not satisfied with 12 months of coverage. Many emails and phone calls later, the answer was a flat out “no”. The conversation remained amicable but it’s clear that no exceptions will be made and their relationship with me as a former client was not important. Two stars were given due to their initial response, the rest were docked because of their lack of transparency and unwillingness to compromise.

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Werner Henzler
8 March 2025
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aashvi maniar
29 January 2025

As a Mortgage Broker, I would like to thank Spenser Brooks (UW) and Calvert Mortgages. It was my immense pleasure to work with you. You are one of the most amazing Underwriters at Calvert that I had a pleasure of working with. Your skillset truly helped navigating the the entire file in the holiday season. Kuddos to you. Manny more files coming to Calvert and surely your way! Thank you once again for all the support. One of the best lenders in private space so far.

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Linden Crain
20 December 2024

As a mortgage broker, I work with many lenders, but I have to say that Maggie truly stands out. From the very beginning, she went above and beyond to help me navigate complex deals with clarity and efficiency. Maggie is not only knowledgeable and thorough but also incredibly responsive, always ready to answer questions and provide valuable insights to keep my transactions moving smoothly. I highly recommend working with Calvert!

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Najib Damerji
18 December 2024

As a mortgage broker, I was looking for a quick second mortgage solution for my clients to consolidate debts, and working with Calvert Home Mortgage Investment Corporation was an incredible experience. Rob and Spenser were outstanding throughout the process. Spenser, my dedicated underwriter on this file, was highly professional and knowledgeable, making the entire transaction seamless. The team acted swiftly, understanding the urgency, and ensured the file was funded quickly without any hurdles. Their expertise and efficiency exceeded my expectations, and I’m beyond impressed with the service. I highly recommend Calvert for anyone needing reliable and professional mortgage solutions!

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Jeff McGinn
1 October 2024

I needed a last-minute bridge loan for a client, and as always, Calvert delivered. Their responsiveness to my questions and the application process was impressive, and they secured approval in record time. I truly appreciate their reliability and efficiency!

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Deane Thomas
13 September 2024

Garrett from Calvert was quick to respond and found a very reasonable solution to my finance request. Turn around was super quick and deal funded on time :). Thank you

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Chantelle Vercammen
3 September 2024

I had an outstanding experience with Calvert Home Mortgage! Their service was top-notch, offering great products and incredibly quick turnarounds. A special shout-out to Rob Maver, who was exceptional throughout the entire process. Rob was incredibly responsive, providing answers and updates around the clock, which made the entire experience smooth and stress-free. It’s clear that Calvert Home Mortgage values their clients and broker partners, and goes above and beyond to ensure satisfaction. Highly recommend their products for anyone in need of a reliable mortgage lender!

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Nathan
23 July 2024

Amazing service and nice staff

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Alex Leite
10 July 2024

I worked with Calvert on a recent mortgage for one of my clients. This client was working on a flip opportunity and Calvert made the mortgage approval process quick and easy for the home purchase. I worked with Spencer and Meena. They were fantastic and very knowledgeable. Thanks, Calvert.

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Justin Domanico
13 June 2024

As a mortgage agent, Calvert has become my go to for extensive renovation/flip files. Their staff is extremely responsive and they will work with you to make the deal happen. I am looking forward to our next transaction together!

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Keith Macintosh
23 May 2024

Always a pleasure working with the team at Calvert. The staff is extremely knowledgeable and responsive.

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