Experience stress-free mortgage financing starting today.

We specialize in alternative mortgage loans for Quebec homeowners, starting at $20,000, with approvals possible in as little as 24 hours.

Get Approved Fast!

Check your eligibility in 30 seconds

First Name

Last Name

E-mail

Phone Number

Do you currently own one or more properties?

Yes No

Excellent. Based on your property ownership, you may be eligible. Please proceed to the next step.

Are you looking to purchase a new property?

Yes No

We specialize in mortgage loans. At this time, we only provide financing for property owners or buyers.

Got it. Let’s move forward and explore your financing options.

What is the address of the property you want to use for your loan?

What is the address of the property you are looking to purchase?

Street Address

Unit #:

City

Province

Postal Code

To the best of your knowledge, what is your property’s estimated value?

What is the purchase price of the property?

Do you currently have at least 30% of the purchase price as a down payment?

Yes No

In order to be eligible for private mortgage lending, A minimum down payment of 30% is required for financing approval.

Lender Name

Mortgage Balance

Lender Name 2

Mortgage Balance 2

Lender Name 3

Mortgage Balance 3

Lender Name 4

Mortgage Balance 4

Lender Name 5

Mortgage Balance 5

Amount of financing required?

NOTE: No credit check will be performed when you submit your application.

We're Sorry — You Do Not Qualify

At this time, we only provide mortgage financing to individuals who currently own property or are actively purchasing a home. A 30% down payment is required for private mortgage lending. Based on the information provided, you do not meet these criteria and are not eligible for financing through our services.

If you believe this is an error, please review your application.

Before You Submit

By proceeding, you confirm that you are seeking financing for a private home and understand that PADS Financial specializes in mortgage loans for property owners and buyers.

By submitting this application, you also agree to receive communications from PADS Financial and its trusted partners regarding your mortgage inquiry, including updates, offers, and related services.

If all information is correct, please click Submit to continue.

We specialize in helping individuals restore their financial situation by accessing the equity in their property to pay off their debts.

I have bad credit—am I still eligible?

Even with bad credit, PADS offers flexible financing solutions for all situations.

What is the equity in my property?

Equity represents the net value of your property. It’s the difference between your home’s current market value and the remaining balance on your mortgage.

How quickly will I get a response from PADS?

Submit your application today and receive approval in less than 24 hours — simple, fast, and hassle-free.

What we offer.

We specialize in helping Quebec homeowners access loans starting at $20,000 for all types of situations, with approvals in as little as 24 hours.

Home Equity Loans

Leverage the equity in your home to access financing of up to $500,000, regardless of your credit score.

Private Mortgages

Secure your financing with consistent monthly payments and peace of mind.

60-day Notices

Settle your mortgage arrears with a home equity loan from PADS.

Helping Quebecers access financing with confidence.

We’ve helped thousands secure private mortgage financing when traditional banks couldn’t – through fast approvals, flexible terms, and trusted service across the province.

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Over $25 million in private mortgage financing granted.

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Number of homeowners in Quebec.

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Quebec residents with non-traditional credit or income profiles.

Simple Process to Follow

Bad credit? No problem. We’ve simplified the process to help homeowners like you get fast approval.

STEP 1

Check If You’re Eligible

No credit? Don’t worry — it’s easy to find out if you qualify. In just a few clicks, we’ll review your home equity and financial profile to determine your options.

STEP 2

Find the Right Loan Option

Based on your home’s value and your goals, we’ll recommend the private mortgage solution best suited to you – even if the bank said no.

STEP 3

Get Approved and Funded

Once your offer is accepted, we move fast. Most of our clients receive their funds within three business days.

Ready to Take The Next Step?

Get approved for a private mortgage loan today.
Our Quebec-based team is here to make your real estate goals a reality—quickly and stress-free.

We simplify mortgages and make them accessible to everyone!

Experience stress-free mortgage financing starting today.

Get Approved Fast!

We specialize in helping individuals restore their financial situation by accessing the equity in their property to pay off their debts.

What we offer.

Home Equity Loans

Private Mortgages

60-day Notices

Helping Quebecers access financing with confidence.

Simple Process to Follow

Check If You’re Eligible

Find the Right Loan Option

Get Approved and Funded

Ready to Take The Next Step?

Testez votre éligibilité