Private Mortgages

Think a mortgage from the bank is the only way to finance your loan? Think again. We're among Canada’s largest non-bank mortgage lenders specializing in short-term mortgages.

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Making mortgages easy

Let’s make this as easy as possible. When you work with us, you can expect expertise in funding residential and commercial construction, development projects, land financing, and other real estate for borrowers who want to invest.

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The KV difference

Private mortgages

We specialize in residential, and commercial construction, and development financing

We offer hotel financing

Canadian markets


Construction and development financing can be very difficult to source

Hotel financing can be very difficult to secure

Many eastern Canadian lenders have less experience in the western Canadian market

KV Capital Presents SookePoint Ocean Cottage Resort

SookePoint is a burgeoning seaside community on the southwest tip of Vancouver Island, British Columbia. Just an hour from downtown Victoria, on a private peninsula 84% surrounded by the Salish Sea, and on the sunset side of an adjoining 3600-acre wilderness park, owners and guests enjoy frequent front row whale-watching, surging surf and abundant marine life.

KV Capital is pleased to provide construction financing for an additional 83 SookePoint Ocean Cottage & Yacht Suites, offered for sale or rent to residents and visitors on Canada’s South Pacific.

We are proud of our team’s flexibility, creativity, and speed of execution in completing this deal, and our role in supporting this exceptional development.

Lending programs

We’re always working to make our product offerings and services just a little bit better. As part of that commitment, KV Capital offers the following services to our private mortgage clients:

Acquisition and Inventory Financing
Maximum LTV

Up to 75% loan to value


First and second mortgages

Commercial Financing
Maximum LTV

Up to 70% loan to value

Maximum loan to cost


Draw schedule


Residential Construction (Builder Program)
Maximum LTV

Up to 70% loan to value

Maximum loan to cost


Draw schedule


Land Acquisition
Maximum LTV



First mortgage


Residential, commercial, industrial, mixed-use

Low RATES? High Five.

Our rates start at 9.5% and, with lender fees as low as 1.5%.


Asset-based lending is rarely allowed by traditional lenders. But we're not a traditional lender.

A unique team with unique solutions

We have a team of experts who simply can’t wait to help you develop the financing solution that’s just right for you.

LEt's get this going

We recognize that funding is just the beginning. That’s why we'll respond to you as quickly as possible—guaranteed within 24 hours.

By the numbers

Annual return to investors (since inception)



Total funded loans




Assets Under Management




Number of loans underwritten, funded and serviced


All information as of February 29, 2024 unless otherwise indicated. Past performance does not guarantee future performance.

Recently funded projects

KV Capital offers short-term real estate financing solutions, including bridge financing, as well as construction and development financing.

Private Mortgages

Grand Prairie Residential Developer



KV Capital continues to fund a builder's revolving line of credit for homes built in Grande Prairie, AB.

Curtis Power
Private Mortgages

Cielo Waste Solutions



KV Capital provided Cielo Waste Solutions Corp., a TSXV listed company, land acquisition financing for a 60-acre parcel of land that includes 35-acres of graveled yard space and 25-acres of farmland located in Fort Saskatchewan, Alberta.

Curtis Power
Private Mortgages

Edmonton Residential Developer



KV Capital continues to fund an Edmonton developer with a builder's revolving line of credit for homes built in Edmonton.

Curtis Power
Private Mortgages

Commercial Development Land



KV Capital provided acquisition financing for a 19 acre parcel of commercial development land in Edmonton.

Marc Prefontaine
Private Mortgages

Saskatoon Residential Developer



KV Capital continues to fund a builder's line of credit for homes built in Saskatoon.

Kelly Bagley
Private Mortgages

Calgary Residential Developer



KV Capital continues to provide a Calgary single family developer with a builders revolving line of credit for homes built in the greater Calgary area.

Kelly Bagley
Private Mortgages

Edmonton Infill Lot



KV Capital funded acquisition financing for an infill lot in West Edmonton.

Mitchell Patrick
Private Mortgages

Kelowna Townhomes



KV Capital funded construction financing for 30 units of a 120 unit townhome project in Kelowna, BC.

Kelly Bagley
Private Mortgages

Multi-family Development Land



KV Capital funded acquisition financing for a five acre parcel of multifamily development land in Edmonton.

Curtis Power
Private Mortgages

Edmonton Townhomes



KV Capital provided first mortgage construction financing for a 22-unit townhomes development, located in the North Edmonton residential neighborhood of Eaux Claire.

Curtis Power
View all projects

Get answers

What type of financing do you do?

What kind of financing DON’T we do? We can help with any value-add situation: acquisition, renovation, stabilization, inventory, ground up construction, and even land servicing. If you need a loan for a special project or property, we can structure a custom solution to meet your needs.

What kind of properties does Private Mortgages finance?

We finance an array of properties, including multi-family, retail, commercial, industrial, office, hotel/motel, and land servicing.

What makes KV Capital different from a bank?

KV Capital can take risks that a bank normally wouldn't. That’s because we tailor every deal to your specific circumstances. For example, let's say that you would like a lower presale or pre-leasing requirement, or would like extra leverage that a bank won't give you. If you have one acquisition closing and don't have all the equity sourced yet, we can likely help.

How do I start?

Simple. Contact one of our professionals and we’ll get the process started. We will structure a deal that's right for you and your unique situation.

Our team

Our Private Mortgages team can simplify the complex process of accounting and finance, and put their real estate skills to work to make the best lending decisions for you.

View the full team
Ryan Bradley
Curtis Power
Colin Brenneis
Mitchell Patrick
Tyler Cikaluk
Kelly Bagley
Imtiaz Somani
Mathew Forster
John MacDonald
Amaan Datoo
Erin Thordarson
Harry Bui
Sean Rowland

Our directors

KV Mortgage Fund Board of Directors

Aaron Forbes
Guy Scott
Don Paulencu
Darlene Scott
Paul Allard
Tina Naqvi-Rota

Contact us

Ready to learn more about private mortgages? Our team of professionals can guide you through everything you need to know.

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