Three paths to elevate your ambitions
At Altia Capital, we deliver structured, fast private mortgage financing solutions, tailored to the needs of both individuals and real estate investors.
Private mortgage loans
For individuals
Altia Capital offers a structured and transparent alternative for individuals whose situation falls outside traditional banking criteria.
Who are our private mortgage loans for?
- Debt consolidation
- Mortgage refinancing
- Access to short or medium-term liquidity
- Credit situation that does not meet traditional banking criteria
- Project requiring temporary and rapid financing
Every file is reviewed individually based on the property's market value, available equity and your specific context. Financing grounded in net capital, within a responsible framework.
Loans for real estate investors
Altia Capital offers private mortgage financing to real estate investors seeking flexibility, speed and a structure tailored to their projects, in situations where traditional banks cannot respond within the required timeframe.
Types of projects we finance
- Property acquisition
- Land acquisition
- Lot purchase for a project
- Property renovation
- Refinancing of existing properties
- Access to liquidity for investment opportunities
- Bridge or temporary financing
- Optimization of the financial structure of a real estate portfolio
Every project is reviewed based on the asset's value, the file's structure and your objectives as an investor.
Second mortgage
THE solution to unlock your liquidity.
A second mortgage is a financing solution that lets you access liquidity by drawing on the equity available in your property, without modifying your existing primary mortgage.
At Altia Capital, we offer private second mortgage loans for individuals seeking additional financing that is structured and tailored to their financial situation.
What can a second mortgage be used for?
Every application is reviewed individually, taking into account the property's value, the available equity and your repayment capacity.
A complement to your existing loan
It's worth noting that a second mortgage:
- does not alter the amount or terms of your first mortgage;
- lets you keep the interest rate of your current mortgage loan;
- offers greater flexibility to meet specific financial needs.
This approach lets you leverage the equity built up in your property while keeping your primary financing in place.
A clear three-step process
Transparency, rigor and speed of execution. From the very first conversation to the release of funds, every step is mapped out so you can move forward with confidence.
- 01
Submit your application
You provide us with the information needed to review your file, either online or by phone, whichever you prefer.
The application carries no obligation. It is used solely to assess the feasibility of financing based on your situation and the value of the collateral.
- 02
Review and meeting with a representative
Once the review is complete and a financing option has been selected, an Altia Capital representative will reach out to walk you through the proposed terms.
If needed, a meeting will be arranged to sign the required preliminary documents.
- 03
Notarial signing and disbursement
Once all conditions are met, the mortgage loan deed is signed before a notary.
Funds are then released in accordance with the terms set out in the contract.
Important notice. All financing is granted subject to review, collateral evaluation and compliance with applicable legal and regulatory requirements. Timelines may vary based on the complexity of the file.