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

Competitors

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

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

Position

First and second mortgages

Commercial Financing
Maximum LTV

Up to 70% loan to value

Maximum loan to cost

80%

Draw schedule

Flexible

Residential Construction (Builder Program)
Maximum LTV

Up to 70% loan to value

Maximum loan to cost

80%

Draw schedule

Flexible

Land Acquisition
Maximum LTV

65%

Position

First mortgage

Zoning

Residential, commercial, industrial, mixed-use

Low RATES? High Five.

Our rates start at 9% and, with lender fees as low as 2%.

Get the KV DIFFERENCE

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)

7.65

%

Total funded loans

$

750

M

Assets Under Management

$

150

M

Number of loans underwritten, funded and serviced

330

All information as of February 28, 2021 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

Cielo Waste Solutions

$

12000000

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

Grand Prairie Residential Developer

$

3000000

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

Curtis Power
Private Mortgages

Kelowna Townhomes

$

9417000

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

Kelly Bagley
Private Mortgages

Saskatoon Residential Developer

$

3500000

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

Kelly Bagley
Private Mortgages

Multi-family Development Land

$

2025000

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

Curtis Power
Private Mortgages

Edmonton Residential Developer

$

2000000

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

Calgary Residential Developer

$

2500000

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

Commercial Development Land

$

1650000

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

Marc Prefontaine
Private Mortgages

Edmonton Infill Lot

$

220000

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

Mitchell Patrick
Private Mortgages

Edmonton Townhomes

$

3900000

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 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 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 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
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Curtis Power
Colin Brenneis
Mitchell Patrick
Kelly Bagley
Adam Walzack
Wolfgang Baumann
Tyler Cikaluk
Paul Elson
Pamela Gonzalez

Our directors

KV Mortgage Fund Board of Directors

Paul Allard
Aaron Forbes
Guy Scott
Darlene Scott
Don Paulencu

Contact us

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

Speak with an expert