Dez Capital is a Canadian non-bank mortgage lender specializing in residential, construction, development, and commercial loans in the Golden Horseshoe Area. We provide customized mortgages in amounts up to $10 million. Our goal is to be a financial partner with our clients and provide capital in ways that will guarantee success in their real-estate projects.

We offer various mortgage solutions for several real estate asset classes. Contact us to learn more about how we can work with you.

*To obtain a list of qualified brokers, contact info@dezcapital.com or The Financial Services Regulatory Authority (FSRA)


All our real estate mortgage loans are mediated by accredited mortgage brokers* whose prime responsibility is to secure the most suitable financing option within a reasonable turnaround time. We work with the brokers to create a financing plan that satisfies development objectives and time constraints. Brokerage services are provided at no additional cost. All loans are equity-based, and the loan to value (LTV) is determined by the property’s appraised value. Learn more about the types of mortgages we offer and details about our loan program below.


• Loan to Value up to 75%
• From single-family residential through multi-tenant residential buildings


• Commercial deals are executed case-by-case


• Loan to Value up to 70%
• Finance any stage of the project, irrespective of how many units are pre-sold
• Fast processing of draws to save time and money for builders


• Ideal financing package for builders to purchase and construct new residential homes under the same financing umbrella
• First and Second Mortgage Construction
• Seamless financing from start to finish
• One-stop financing means less legal fees, time and paperwork


Financing for land purchase, development and approval phase, as well as marketing and sales. Customized financing options to deliver a successful outcome for the developer.


Amount $250,000 – $10,000,000
Amount $250,000 – $10,000,000
Lending Area Greater Toronto Area (GTA), Barrie, Kitchener, Waterloo, Burlington, St. Catharines, Hamilton
Maximum / Minimum Term 12 Months Open
Mortgages 1st and 2nd Position
Payment Type Interest Only, Calculated and Payable Monthly
Term Sheet Within 48 Hours
Turnaround 3 – 7 Business Day Turnaround
Lender Fee 1 – 3% of the Loan Amount

If you are a broker and have a potential deal, please send a complete mortgage package to brokerdeals@dezcapital.com so we can begin our underwriting process. Alternatively, please call us at 416.519.9090 and we will be happy to answer any additional questions you may have.