A trusted project by the Kothari Group.

Residential Lending

Flexible Private Residential Mortgage Solutions

At Mercury Mortgages Inc., we offer tailored private mortgage solutions for clients who don’t qualify through traditional lending channels. Whether your client is purchasing a home, refinancing, consolidating debt, or looking to access equity, we provide both 1st and 2nd mortgages with fast turnaround and common-sense underwriting.

We understand the complexities brokers face when working with clients who are self-employed, have non-traditional income, credit challenges, or simply need speed and flexibility. Our lending approach is focused on getting deals done — quickly, efficiently, and with minimal friction.

We lend on a wide range of residential property types, including detached homes, townhouses, and condominiums — for both owner-occupied and investment/rental use. Every deal is reviewed individually, allowing us to offer customized solutions where institutional lenders fall short.

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Residential Mortgage Guidelines & Rates

Residential – Max LTV 75% ( purchases can go up to 80%)
PositionInterest Rate (Starting At)Lender Fee (Starting At)Max LTVTerm
1st6.99%1%Up to 75%*1 Year
2nd11.25%2.5%Up to 75%*1 Year

Whether your client is facing an urgent closing, a complex file, or simply needs a lender who can act quickly and make real-time decisions, Mercury Mortgages Inc. is your trusted private lending partner. We’re here to support brokers in delivering smart, reliable mortgage solutions — deal after deal.