🎧 Prefer to listen on the go? Download Module 1 Audio (MP3)
Private mortgage lending is one of the fastest-growing sectors in Canadian real estate finance. As traditional lenders such as banks and credit unions continue to tighten their underwriting criteria, an increasing number of borrowers turn to private lenders for flexible, solution-oriented financing.
This shift creates opportunities, not only for established professionals, but also for new entrants seeking to participate in a sector that offers both strong returns and meaningful impact.
Module 1 Syllabus
Study This Module for Free
Module 1 of the Canadian Private Lending Course is a high-impact start to mortgage lending. It is easy to follow and free of charge. Simply click the “Next Page” button at the bottom of each page to continue learning.
Module 1 of the Canadian Private Lending Course is organized as:
- 1.1 | Defining Private Lending and Mortgages
- 1.2 | Loan vs. Mortgage
- 1.3 | Enforcement and Security
- 1.4 | Why Real Estate is High-Quality Collateral
- 1.5 | Private Lending vs. Institutional Lending
- 1.6 | The Regulatory Framework for Private Mortgage Lending in Canada
- 1.7 | Federal and Provincial Legislation
- 1.8 | Navigating Legal Requirements and Best Practices
- 1.9 | Criminal Rate of Interest
- 1.10 | Anti-Money Laundering (AML) and FINTRAC Compliance
- 1.11 | Ethical Standards in Private Lending
- 1.12 | Borrower Profiles
Modules 2 – 10 🔒
After completing Module 1 you will be able to access the remaining premium modules. Alternatively, you can upgrade now and study them immediately.
| Module 2: | The “All-In” Loan-to-Value Ratio | Master the critical calculation that underpins every safe and profitable lending decision. |
| Module 3 | What to Request in Real Estate Appraisals | Learn how to read and request appraisals that protect your capital and give you a true picture of the property’s value. |
| Module 4 | Structuring the Loan: How to Lend a Private Mortgage | Step-by-step guidance on structuring terms, drafting commitments, and securing deposits to protect your time and capital. |
| Module 5 | Professional Oversight and Roles | Understand how to work effectively with lawyers, mortgage brokers and appraisers, and why professional collaboration is essential for enforceability. |
| Module 6 | Loan Servicing | Learn best practices for managing payments, communicating with borrowers and maintaining professionalism after funding. |
| Module 7 | Risk Management Strategies | Identify, mitigate and plan for the key risks that can affect private lenders, from market volatility to borrower default. |
| Module 8 | Managing Due Diligence Surprises | Develop flexibility and judgment when unexpected issues arise while protecting your capital and keeping deals on track. |
| Module 9 | The Mortgage Broker: A Gateway to Deals | Discover how to work with mortgage brokers as a primary source of opportunities, while managing alignment and conflicts of interest. |
| Module 10 | Understanding Foreclosure in Canada | Gain a clear understanding of enforcement remedies across provinces, from Power of Sale in Ontario to Judicial Foreclosure in BC and Alberta. |