About us

Coldstream Mortgage Capital is a direct private lender specializing in private residential and commercial mortgages in the Greater Toronto Area with no loan size restrictions.

We use a ‘common sense’ approach to underwriting by focusing on property values as opposed to credit quality of borrowers.

We are one of the most flexible direct private lenders in the marketplace and can customize all metrics and terms of a loan instead of having fixed parameters and requirements. We offer fully prepaid loans, flexibility between rate and fee splits, custom terms up to 36 months and more.

Call us when conventional mortgage financing from financial institutions is not an option. We can provide commitment letters within 24 hours and can generally close within 5 business days.