Financing & Execution support
Build for generations
We fund land acquisition
The FairLend Mortgage
Find your fit
Plan draws, capital, and takeout around how your project actually gets built.
Private, institutional, and home-equity financing—all structured by one experienced FairLend team.
Three ways to borrow
Bring us your property and down payment. FairLend coordinates the feasibility, permits, builder, construction financing, draws, and takeout—so your first build can become steady rental income.
Illustrative rental income
*Q1 2026 Toronto CMA benchmark. Actual rent and property eligibility vary.
CMHC maximums shown across eligible Improvement and Refinance paths; 95% LTV and 30-year amortization are product-specific and may not be available together. Approval, rent, and positive cash flow are not guaranteed.
Private-mortgage investing with the administration handled.
Work with FairLend to deliver better outcomes for your clients and grow your business.
Book a free consultation and we'll help you figure out the right financing path.
01/Who We Are
FairLend is an FSRA-licensed mortgage brokerage and administrator specializing in residential mortgages, private lending and construction financing.
We combine seasoned mortgage judgment with modern technology and clear processes, helping borrowers, builders, and investors move faster without losing the human diligence private lending depends on.
With borrower consent, open banking lets us analyze up to 4,500 financial data points to assess creditworthiness using cash-flow patterns and other signals conventional bank underwriting can miss.
Private lending should be practical, transparent, and fair for everyone involved.
Grounded in communities across Canada.
Rigorous underwriting aligned with outcomes.
We invest alongside our lending and investor partners.
02/What We Finance
From private mortgages to permit-heavy rental projects, these are the financing paths FairLend supports across Southern Ontario.
Core lending
File 01
Institutional and private residential mortgage options, including purchases, first homes, and equity access.
Open deal fileFile 02
Flexible revolving credit reviewed around available home equity, property value, mortgage position, and repayment capacity.
Open deal fileFile 03
Short-term capital to bridge gaps and close fast with our 24-hour target for commitment.
Open deal fileFile 04
Residential home refinancing to renew a mortgage, consolidate obligations, or unlock equity with terms reviewed around the property and exit plan.
Open deal fileProject and rental programs
File 05
Financing and guidance for renovations, with local contractor and supplier connections to keep the project on track.
Open deal fileFile 06
Financing and guidance with local expertise for five-unit to multi-tower complexes. From permits through completion and CMHC takeout, FairLend coordinates the financing path.
Open deal fileFile 07
Backyard and laneway homes financed by a team that knows permits, budgets, and timelines.
No build experience required
Bring your property + down payment.
*Q1 2026 Toronto CMA benchmark. Actual rent and property eligibility vary.
File 08
One-stop financing, planning, and MLI Select guidance—plus access to the partner consultants and professionals needed to prepare for qualification.
Prepare the file early
Readiness 01—03Build the qualification path around three core criteria.
Eligibility and approval remain subject to CMHC underwriting.
Refinancing & Acquisitions
File 09
Flexible acquisition financing for stabilized rental properties, underwritten around income, asset quality, and closing timelines.
Open deal fileFile 10
Refinance existing rental properties to renew debt, unlock equity, or improve the capital stack without disrupting operations.
Open deal fileDisciplined capital. Local insight.
Aligned outcomes.
The FairLend build model
One coordinated file connects feasibility, capital, milestone draws, build support, and the eventual exit instead of treating each decision as a separate transaction.
Test whether the site, project economics, zoning, unit mix, budget, timeline, expected value, and intended exit support a financeable build before committing more capital.
Align the land basis, construction budget, borrower equity, working-capital needs, project milestones, and exit in one construction-financing structure.
Coordinate the project team and adjust milestone draws as the work and capital requirements change, subject to the financing terms.
Shape the project, documentation, and operating plan toward an eligible refinance, sale, rental stabilization, or CMHC-insured takeout path.
Review schedule, budget, trades, working capital, draw requirements, and documentation to diagnose a stalled build and coordinate an appropriate recovery plan.
Builder consulting
FairLend helps model the financing and business equation around a build while the builder remains in control of cost and execution.
Toronto luxury single-family assumptions could still produce a positive estimated return in the illustrative FairLend model.
Higher acquisition, construction, and financing assumptions show how quickly the estimated return can compress.
Multiplex and garden-suite options can expand housing output and rental capacity, but they do not guarantee project profit.
The timeline uses illustrative assumptions, not an appraisal, investment forecast, profit projection, or financing commitment. Every site, budget, permit path, and exit requires its own review.
Leadership and accountability
Capital alone does not close a complex file. The team aligns mortgage expertise, technology, operations, financial controls, and legal judgment behind it.
Founder, Principal Broker & MIC Director
Leads mortgage brokerage, private lending, construction-financing, and investment-finance strategy.
CTO & MIC Director
Leads capital-markets systems and AI infrastructure built around human-led underwriting.
CFO & MIC Director
Leads financial oversight, capital planning, reporting, and controls across FairLend.
CLO
Leads legal and risk work, drawing on private-equity, real-estate-law, and cybersecurity experience.
FairLend Mortgage is the operating name of Fairlend Management Inc., FSRA mortgage brokerage licence #13827 and mortgage administrator licence #13828. Elie Soberano is the Principal Broker, licence #M08001537.
Our Ethos
FairLend was built around a straightforward belief: fair lending is not only good for society. It is good business.
Fair lending is not charity. It is an operating model built around shared success.
Borrowers get clear terms, a realistic exit, and financing that solves the problem without creating a larger one.
Investors get disciplined underwriting, transparent information, and professionally administered private mortgage opportunities.
Builders get capital structured around how projects are actually built.
FairLend earns relationships that last beyond a single transaction.
Our vision is to point private capital toward better outcomes: strong mortgages, repeat relationships, attractive opportunities for investors, and more homes Canadians can afford to live—and raise a family—in.
Frequently asked questions
Clear answers for borrowers, investors, builders, and partners remain available even when JavaScript is unavailable.
For homeowners and property owners weighing a private mortgage, bridge loan, renewal, equity takeout, or second mortgage.
Sometimes yes, sometimes no. FairLend reviews the borrower, property, current mortgage position, available equity, payment capacity, documentation, timing, fees, and exit path together. The goal is a clear read on whether private financing solves the problem or creates a bigger one.
FairLend targets a 24-hour application-to-commitment path for complete private mortgage files. Timing depends on file completeness, borrower cooperation, property review, appraisal requirements, underwriting, available capital, and lender fit.
The structure should make cost and exit visible before you commit. FairLend discusses the rate, broker fees, lender fees, renewal considerations, reasonable and predefined payout terms where supportable, administration and default fees, closing costs, and all material conditions in plain language. Independent legal, registration, and discharge costs may still apply.
No. Responsible private mortgage financing still requires underwriting, documentation, property review, valuation, lender fit, and a realistic repayment or exit path. The value of the review is a practical answer, not a rushed promise.
For investors looking at private mortgage credit with professional underwriting, administration, and reporting.
No. Private mortgage investments are not bank deposits, are not CDIC-insured, are not guaranteed, and may not be liquid on demand. Investors review a complete file, accept private-credit and liquidity risk, and rely on disciplined underwriting, legal documentation, administration, reporting, servicing, and recovery support rather than a deposit guarantee.
Private mortgage investing always involves risk. Principal and payments can be delayed, impaired, or lost. FairLend reviews the borrower, property, mortgage position, valuation support, LTV, payment capacity, documentation, legal structure, and exit path, but does not guarantee capital preservation, payment, recovery, or valuation accuracy. Investors remain responsible for their own diligence and for obtaining independent legal, financial, tax, and appraisal advice.
Yes. Investor access is built around visibility before commitment, not blind allocation. Investors review the available deal package before funding, including project details, mortgage position, valuation support, LTV, borrower profile, term, rate, fees, material risks, legal documentation, closing requirements, and the administration structure. Opportunities remain subject to investor review, deal availability, documentation, suitability considerations, and final underwriting.
FairLend operates the administration layer after funding. That can include digital closing coordination, dedicated platform lawyers, PAD collection, payment tracking, investor disbursements, servicing, renewals, payouts, legal and document workflow, reporting, borrower coordination, investor coordination, and default escalation where required. The investor portal is the visibility layer for reviewing deal status, documentation, payment administration, reporting, and communication with the FairLend team.
For builders, owners, and small developers planning multiplexes, infill builds, garden suites, laneway suites, renovations, and rental projects.
Construction financing has to account for land value, build scope, permits, budget drift, draw timing, working capital, appraisal support, documentation, site progress, and exit strategy. FairLend structures the financing around how the build actually happens, not just the completed property value.
DrawFlow is FairLend's milestone-based draw workflow. As approved milestones are completed and verified, draw availability can unlock. The goal is to align capital with verified progress and working-capital needs, not to force every project into a rigid preset draw calendar.
Yes. Early is often better. FairLend can help think through site strategy, acquisition price, project type, unit mix, budget assumptions, working capital, permit path, documentation gaps, CMHC MLI Select readiness where applicable, and the takeout plan before expensive decisions harden.
No. Financing cannot guarantee contractor performance, cost control, permit timing, market conditions, or completion. FairLend can support draw planning, milestone review, site visibility, administration, and recovery resources where needed.
For mortgage brokers, agents, architects, planners, engineers, builders, consultants, trades, suppliers, and professional advisors.
The program is for the broader build ecosystem: mortgage brokers, broker owners, real-estate professionals, architects, planners, engineers, builders, project managers, cost consultants, technical consultants, trades, suppliers, and advisors involved early enough to influence project outcomes.
No. For broker-originated relationships, the client remains your client. FairLend acts as a specialist private mortgage and construction financing desk that supports the complex parts of the file with clear role boundaries.
No. A late-stage approval opinion is too small. FairLend helps partners and clients shape the project earlier: site strategy, acquisition price, unit mix, budget, capital structure, draw planning, execution support, and exit path.
No. Financing remains subject to underwriting, file completeness, project economics, borrower capacity, property value, available capital, documentation, and legal review. The program creates better structure and earlier clarity, not guaranteed approvals.
