How Accredited Investors Can Access Private Mortgages in Ontario

Introduction

Private mortgages allow accredited investors to earn strong returns while lending against real estate in Ontario. Zion Wealth specializes in structuring these opportunities.

What Is a Private Mortgage?

• A loan secured by residential or commercial property.
• Terms usually 6–24 months.
• Used by borrowers who need faster funding than banks provide.

Investor Benefits

• Yield: often 8–12% annualized.
• Collateral: secured by property with registered lien.
• Short term: typically one year, renewable if needed.

Risks and Mitigation

• Borrower default: managed through conservative loan-to-value (LTV) ratios.
• Property risk: independent appraisals required.
• Liquidity: investors must hold until maturity.

How to Get Started

1. Verify accredited investor status.
2. Review available deals through Zion Wealth.
3. Select mortgages that align with your risk profile.

Conclusion

Private mortgages are a proven way for accredited investors to generate steady income, backed by tangible real estate assets.