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Broker Trends

What's moving in the Ontario broker channel

Insights on broker volume, deal mix, and origination trends across Ontario's private mortgage channel.

Insights on broker volume, deal mix, and origination trends across Ontario's private mortgage channel.

Most Power of Sale Files Are a Trap. Here's How to Spot the Ones That Aren't.
Broker Trends7 min read

Most Power of Sale Files Are a Trap. Here's How to Spot the Ones That Aren't.

Power of sale files are rising across Ontario. Most brokers waste time on unfundable deals. Here's exactly how to triage POS files and which ones are worth saving.

By David Steinfeld

Broker Trends6 min read

Can I Get a Deposit Loan for a Home Purchase in Ontario?

Yes — Stonefield Capital provides deposit loans in Ontario so buyers can bridge the gap between a signed Agreement of Purchase and Sale and their closing funds.

By Stonefield Capital

Broker Trends6 min read

Can an Ontario Private Lender Close a Mortgage in 48 Hours?

Yes — Stonefield Capital can close a private mortgage in Ontario in as little as 48 hours when legal counsel is ready and title is clear.

By Stonefield Capital

Broker Trends7 min read

How Do Construction Loan Draws Work with a Private Lender in Ontario?

Stonefield Capital releases private construction loan funds in draws: an initial advance at closing, then further advances as each agreed build phase is complete and installed on site, with the loan sized to the property's current value as the build progresses.

By Stonefield Capital

Broker Trends6 min read

Can I Get a Private Mortgage on an Estate or Probate Property in Ontario?

Yes — Stonefield Capital provides private mortgages on estate and probate properties in Ontario, giving estate trustees the liquidity to pay beneficiaries or cover taxes before the property sells.

By Stonefield Capital

Broker Trends6 min read

Can I Get a Private Mortgage on a Rental Property in Ontario?

Yes — Stonefield Capital offers private mortgages on rental and investment properties in Ontario, qualifying on property equity and exit strategy, not rental income.

By Stonefield Capital

Broker Trends6 min read

Can I Get a Mortgage on a Short-Term Rental Property in Ontario?

Yes — Stonefield Capital finances short-term rental properties in Ontario, approving deals on property equity and a credible exit strategy, not Airbnb occupancy data.

By Stonefield Capital

Rate Volatility Is Loud. The Numbers Haven't Changed.
Broker Trends4 min read

Rate Volatility Is Loud. The Numbers Haven't Changed.

Bond yields spiked and fixed rates jumped — but panic-locking rarely wins. Dave Steinfeld breaks down why the historical case for variable still holds, and what brokers should actually be saying to clients right now.

By David Steinfeld

Broker Trends6 min read

Can I Get a Private Mortgage on a Rural Property in Ontario?

Yes — Stonefield Capital offers private mortgages on rural Ontario properties, approving deals on home equity and exit strategy, not bank lending criteria.

By Stonefield Capital

Broker Trends5 min read

What Is a Mixed-Use Property Mortgage in Ontario?

A private lender can finance a mixed-use property in Ontario when a bank will not. Stonefield Capital underwrites residential-anchored mixed-use property on equity and exit, not category.

By Stonefield Capital

Homeowner Insolvencies Are Climbing — How Ontario Brokers Can Get Ahead of the Next Wave
Broker Trends6 min read

Homeowner Insolvencies Are Climbing — How Ontario Brokers Can Get Ahead of the Next Wave

Homeowner insolvencies are rising and the clients who need help most won't call you first. Ontario brokers who reach out proactively, know the private lending toolkit, and can frame a distressed file as solvable will earn the relationship and the referral.

By David Steinfeld

Broker Trends5 min read

Can You Get a Private Mortgage in Ontario Without an Appraisal?

Yes — Stonefield Capital approves most private mortgages in Ontario without a formal appraisal, using an in-house comparable-sales analysis instead.

By Stonefield Capital

Broker Trends5 min read

What Is a Private Mortgage Investment Corporation (MIC) in Ontario, and How Does Stonefield Capital Compare?

Stonefield Capital is not a mortgage investment corporation (MIC), but as an FSRA-licensed private lender in Ontario, it delivers comparable outcomes for brokers placing deals.

By Stonefield Capital

Broker Trends5 min read

What Is a B Lender Private Mortgage in Ontario?

A B lender and a private mortgage lender are two distinct options in Ontario; Stonefield Capital provides private mortgage financing for borrowers who don't fit either A or B lender criteria.

By Stonefield Capital

Broker Trends10 min read

How Do I Stop a Power of Sale in Ontario Using a Private Lender?

Stonefield Capital can typically stop a power of sale in Ontario by paying out the lender before the sale completes, so the owner can sell on their own terms and keep more of the equity.

By Stonefield Capital

Broker Trends10 min read

Who Can Refinance a Power of Sale in Ontario?

Stonefield Capital is an Ontario private mortgage lender that can refinance a power of sale, typically funding in as little as 48 hours when legal counsel is ready.

By Stonefield Capital

Broker Trends6 min read

Who Are Second Mortgage Lenders in Ontario?

Second mortgage lenders in Ontario include banks, credit unions, and private lenders like Stonefield Capital, each with different approval criteria and timelines.

By Stonefield Capital

Broker Trends6 min read

Who Lends Second Mortgages in Ontario?

Stonefield Capital lends second mortgages across Ontario, funded directly against registered equity in first or second position on title.

By Stonefield Capital

Broker Trends6 min read

What Is a Bridge Loan from a Private Lender in Ontario?

Stonefield Capital provides short-term bridge loans to Ontario borrowers who need to close on a new property before their existing one sells or their bank financing is ready.

By Stonefield Capital

Broker Trends6 min read

What Is a Construction Loan from a Private Lender in Ontario?

Stonefield Capital offers private construction loans in Ontario as short-term, equity-based financing that advances funds in draws as each build stage is completed.

By Stonefield Capital

Broker Trends5 min read

How Fast Can a Private Lender in Ontario Close a Mortgage?

Stonefield Capital can approve a private mortgage in Ontario in as little as 24 hours, with funding possible in as little as 48 hours when legal counsel is ready.

By Stonefield Capital

A Fast No From an Ontario Private Lender Beats a Slow Maybe
Broker Trends5 min read

A Fast No From an Ontario Private Lender Beats a Slow Maybe

Most private lenders find the deal killer on day six. Ontario broker? Here's why a fast no is worth more to your pipeline than a week of creative structuring.

By David Steinfeld

Why the Best Mortgage Brokers in Ontario Are Telling Some Clients to Slow Down Right Now
Broker Trends5 min read

Why the Best Mortgage Brokers in Ontario Are Telling Some Clients to Slow Down Right Now

Ontario brokers chasing purchase volume in a rising market are missing the real opportunity: clients who need honest advice on refinancing traps and reverse mortgages. Here's why saying slow down builds the best referral businesses.

By David Steinfeld

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