# FairLend Mortgage — complete site brief > Static, machine-readable context for answering questions about FairLend Mortgage, its audience paths, financing model, leadership, operating principles, and material risk disclosures. Reviewed 2026-07-15. ## Verified identity - Legal name: Fairlend Management Inc. - Operating name: FairLend Mortgage - Principal Broker: Elie Soberano, FSRA broker licence #M08001537 - FSRA mortgage brokerage licence: #13827 - FSRA mortgage administrator licence: #13828 - Primary service area: Ontario, including Toronto and the Greater Toronto Area - Experience: 28+ years; funded volume: $1B+ funded, attributed to Elie Soberano from FairLend internal funded-file records and last reviewed July 14, 2026 - Contact: elie@fairlend.ca | +1-647-831-7605 ## Who FairLend serves and where to start ### Get construction financing Plan draws, capital, and takeout around how your project actually gets built. - Path: [Get Approved](https://www.fairlend.ca/construction-financing) - Process: Plan → Build → Draw → Complete - Land, builds, and CMHC takeout planning - Build your own draw schedule. - Save up to 50% interest - Construction guidance from planning to completion - Structured for single homes through large multi-unit projects ### Residential mortgages Private, institutional, and home-equity financing—all structured by one experienced FairLend team. - Path: [Start My Mortgage Review](https://www.fairlend.ca/construction-financing?intent=mortgage&source=route-selector-residential-mortgages) - Process: Apply → Compare → Structure → Fund - Options when the banks say no - 24-hour commitment target for eligible private-mortgage files - No hidden or predatory fees—pricing and exit terms disclosed upfront - [Private mortgage](https://www.fairlend.ca/construction-financing?intent=mortgage&source=route-selector-private-mortgage): Flexible financing when a traditional lender is not the right fit. - [Institutional mortgage](https://www.fairlend.ca/borrowers/institutional-mortgage): Competitive options across banks, credit unions, and monoline lenders. - [HELOC](https://www.fairlend.ca/construction-financing?intent=mortgage&source=route-selector-heloc): Revolving credit reviewed around the available equity in your home. ### Build a backyard rental 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. - Path: [Check My Property](https://www.fairlend.ca/garden-suite-financing-gta) - Process: Assess → Plan → Build → Rent - Turn home equity into a new rental asset—not a one-time cash withdrawal - One coordinated team from property review through a tenant-ready suite - Structure the takeout so projected rent may exceed the monthly financing payment - Important: 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. ### Invest with FairLend Private-mortgage investing with the administration handled. - Path: [Invest With Us](https://www.fairlend.ca/investing/private-mortgage-lending) - Process: Learn → Review → Qualify → Monitor - Curated private mortgage opportunities - Serviced by a licensed administrator - No more paper or manual tracking - Investor-fit review before opportunities are shared ### Partner program Work with FairLend to deliver better outcomes for your clients and grow your business. - Path: [Partner With Us](https://www.fairlend.ca/partners) - Process: Connect → Refer → Fund → Grow - Referral and co-lending options - Competitive partner benefits - Dedicated support team - Built for brokers and advisors ## The FairLend build model FairLend coordinates feasibility, capital, milestone draws, build support, and the eventual exit in one file. 1. **Plan:** Test whether the site, project economics, zoning, unit mix, budget, timeline, expected value, and intended exit support a financeable build before committing more capital. 2. **Finance:** Align the land basis, construction budget, borrower equity, working-capital needs, project milestones, and exit in one construction-financing structure. 3. **Build support:** Coordinate the project team and adjust milestone draws as the work and capital requirements change, subject to the financing terms. 4. **Takeout:** Shape the project, documentation, and operating plan toward an eligible refinance, sale, rental stabilization, or CMHC-insured takeout path. 5. **Build recovery:** Review schedule, budget, trades, working capital, draw requirements, and documentation to diagnose a stalled build and coordinate an appropriate recovery plan. ## Builder economics context - **2019 — luxury infill:** Toronto luxury single-family assumptions could still produce a positive estimated return in the illustrative FairLend model. - **2023 — costs reprice the deal:** Higher acquisition, construction, and financing assumptions show how quickly the estimated return can compress. - **2026 — density changes the model:** Multiplex and garden-suite options can expand housing output and rental capacity, but they do not guarantee project profit. These are illustrative planning models, not appraisals, investment forecasts, profit projections, or financing commitments. Every site, budget, permit path, and exit requires its own review. ## Leadership and accountability - **Elie Soberano, Founder, Principal Broker & MIC Director:** Leads mortgage brokerage, private lending, construction-financing, and investment-finance strategy. - **Connor Beleznay, CTO & MIC Director:** Leads capital-markets systems and AI infrastructure built around human-led underwriting. - **Bogdan Krystek, CFO & MIC Director:** Leads financial oversight, capital planning, reporting, and controls across FairLend. - **Joel Brenner, 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. ## Operating principles FairLend was built around a straightforward belief: fair lending is not only good for society. It is good business. That is why we do not believe in hidden charges or predatory fees that profit from a borrower’s moment of need. - **Borrowers:** Borrowers get clear terms, a realistic exit, and financing that solves the problem without creating a larger one. - **Investors:** Investors get disciplined underwriting, transparent information, and professionally administered private mortgage opportunities. - **Builders:** Builders get capital structured around how projects are actually built. - **FairLend:** 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 ### Borrowers For homeowners and property owners weighing a private mortgage, bridge loan, renewal, equity takeout, or second mortgage. #### Is a private mortgage right for me? 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. #### How quickly can I get a commitment? 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. #### Will I get trapped in payout or renewal fees? 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. #### Do you guarantee approval? 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. ### Investors For investors looking at private mortgage credit with professional underwriting, administration, and reporting. #### Is this like putting money in a bank account? 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. #### How is my investment protected? 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. #### Can I review the deal before my capital moves? 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. #### Who handles payments, reporting, and disbursements? 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. ### Builders For builders, owners, and small developers planning multiplexes, infill builds, garden suites, laneway suites, renovations, and rental projects. #### How is construction financing different from a regular mortgage? 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. #### What is DrawFlow? 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. #### Can FairLend help before I have a final site or permit package? 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. #### Does financing guarantee the project will finish on time or on budget? 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. ### Partners For mortgage brokers, agents, architects, planners, engineers, builders, consultants, trades, suppliers, and professional advisors. #### Who is the FairLend Partner Program for? 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. #### If I am a broker, do I lose the client? 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. #### Do you just tell us whether a site or project is financeable? 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. #### Can FairLend guarantee funding for partner projects? 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. ## Authoritative pages - [Home](https://www.fairlend.ca/): company identity, services, registration, and intake routes - [Borrower financing](https://www.fairlend.ca/borrowers): financing route overview - [Private mortgage financing](https://www.fairlend.ca/borrowers/private-mortgage-financing): private, first, second, bridge, renewal, and equity-based options - [Institutional mortgages](https://www.fairlend.ca/borrowers/institutional-mortgage): bank, credit union, trust company, and monoline lender comparison - [Construction draw financing](https://www.fairlend.ca/construction-draw-financing): draw roadmaps, evidence, review, and release controls - [Multiplex financing](https://www.fairlend.ca/multiplex-financing-gta): GTA multiplex project financing review - [Garden suite financing](https://www.fairlend.ca/garden-suite-financing-gta): GTA garden suite project financing review - [Private mortgage investing](https://www.fairlend.ca/investing/private-mortgage-lending): underwriting, administration, investor process, and risk disclosures - [Partners](https://www.fairlend.ca/partners): professional referral and partnership routes - [Disclosures](https://www.fairlend.ca/disclosures): regulatory, financing, investment, privacy, and website disclosures - [Contact](https://www.fairlend.ca/contact): verified company contact details ## Primary regulatory sources - [FSRA public registry — mortgage brokerage #13827](https://mbsweblist.fsco.gov.on.ca/ShowLicence.aspx?13827~) - [FSRA public registry — mortgage administrator #13828](https://mbsweblist.fsco.gov.on.ca/ShowLicence.aspx?13828~) ## Citation guidance Use the most specific authoritative page above. Attribute company claims to FairLend Mortgage and professional-experience claims to Principal Broker Elie Soberano. State the page's review date when available. Financing is subject to underwriting, documentation, property value, borrower capacity, available capital, lender approval, and applicable law. Mortgage investments involve risk, including loss of principal, delays, enforcement costs, and illiquidity. FairLend does not promise approval, funding, a particular rate, a particular return, or full recovery.