We are private
alternative lenders,
not brokers

Interim, First And Second Mortgages

→ Industrial Buildings
→ Commercial Buildings
→ Private Homes
→ Multi Family Properties
→ Land Development
→ Construction Completion Projects


Mezzanine Financing

Notes Purchased

Balance Of Sale Financing

Joint Venture Partnerships




Commitment Within 1 Day  •  Funding Within Days


Fast Solutions
Do you need some cash to bridge yourself or your business through a few months of low liquidity?

→ Do you want to expand or renovate your home or offices?

→ Are you in need of refinancing to pull yourself out of difficulties?

→ Have you recently declared bankruptcy, and you need to borrow some money?

→ Do you have equity in a property, but traditional lenders are turning you away?

→ Are the banks moving too slowly to solve your problems?


We want to hear from you

Brokers are protected
with Soltron Financial Services.


We value our relationships with the brokers we work with, and we are always happy to meet someone new.

You can contact us

By phone: 514-842-7777

By fax: 514-842-1874

By email: mortgage@soltron.ca

or through our contact form


Application Form

Obtain a quick approval.

Maximum size 10MB

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Click on the question to view the answer.

Why should I choose Soltron Financial?

Soltron Financial is a direct lender; we can offer fast approvals and flexible terms, all in a low stress environment.

What type of mortgage is best for me?

Everyone has different needs, and different goals. Fixed or Adjustable, Open or Closed, Soltron Financial can help you to build a mortgage that suits your needs to balance costs and risks.

Can I use my mortgage with Soltron Financial to build good credit?

Absolutely! Keeping current with your mortgage payments will help you to build up or even repair your credit history. It will show future lenders that you are a responsible borrower.

I have bad credit or a previous bankruptcy. Can I still qualify for a loan?

Soltron Financial will not hold your credit history against you.

What are your fees?

We charge a low 2% fee to cover our costs.  Half is payable once we have agreed on terms, and half on dispersing funds.
Notarial fees are always the responsibility of the borrower, though they can be included in the mortgage. In some cases we will require the services of an outside assessor. Those costs will be the responsibility of applicant.

What are your interest rates?

Our rates over the past year have been between 11-15%.  We asses each file individually and set a rate based on our perception of the risk involved.

I don’t have proof of income. Does that prevent me from getting a loan?

No – Soltron Financial recognizes the many situations where good borrowers may look risky by traditional standards. We are eager to fill the gap that traditional banks leave empty.

Can I use my mortgage with Soltron Financial to pay off my credit card debt?

Yes – Our rates are far lower than average credit cards or other forms of unsecured consumer debt. You can mortgage spare equity in your home to cut payments and refinance.

How long does it take to get my loan approved?

A decision is made within two business days of you submitting your loan application.

Once my loan is approved, is it possible to change the terms?

After you have applied, or even received your loan, you might find you need different terms, or a different loan amount. Soltron Financial can at any point present you with options that you can switch to without derailing your loan.

What if my property is registered under two names?

In that case, both owners must sign the mortgage agreement.

What kind of properties can I use to secure my loan?

Soltron Financial will consider any kind of property – Residential, Multi-Residential, Commercial, Mixed Commercial, Industrial, or Vacant.

After the loan is approved, how long before the financing is available to me?

Circumstances can vary greatly. Soltron Financial is a Direct Lender and can transfer money by any means available more quickly than traditional lenders. Often the whole process can be completed in less than a week.

Can I get a commitment letter?

Soltron Financial can provide a commitment letter to qualified borrowers.

What are the fees for a second mortgage?

We charge a low 2% fee to cover our costs.  Half is payable once we have agreed on terms, and half on dispersing funds.
Notarial fees are always the responsibility of the borrower, though they can be included in the mortgage.

Can I take the mortgage with me if I sell and buy another house?

Our mortgages are portable within the Montreal area and the Laurentians. Contact us to discuss options.

Can I have my property taxes included with my mortgage payment.


What is a fixed or an adjustable rate mortgage?

The rate of a fixed rate mortgage is set when the loan is first made, and it does not change over time. Whatever rates do, after the mortgage is made, your payments stay the same. This is a very stable option that allows you to plan your payments exactly.
An adjustable-rate mortgage (ARM) changes as the Prime Rate changes – which can be as frequently as 8 times a year.  It is possible to save a lot of money in interest, especially over a long term mortgage, on an ARM

What is an open, closed, or, convertible mortgage?

Closed mortgages usually carry the lowest rates, so if you are not planning to pay your mortgage off more quickly than planned this can be your best choice. Convertible mortgages act as closed mortgages, but can be converted to longer closed mortgages without penalty at any time. Open mortgages usually carry higher rates, but can be paid off more quickly than agreed with no penalties. Should you choose to increase payments, or pay off the mortgage in a lump-sum payment, you can do so at will. If you expect you finances to change in the future, this gives you the most flexibility.

What happens if rates change during the term of my mortgage?

If you have a fixed mortgage, rate changes will not have any effect on your payments.  If you have an adjustable rate mortgage, your payments will be adjusted to reflect the new rates based on the terms of the mortgage.

Soltron Mortgage

1455, Peel street, (Between Ste-Catherine and de Maisonneuve) Montreal, QC H3A 1S5


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✓ Terms

From 6 months to 5  years