Najib Damerji -Mortgage Broker

Private credit is rapidly replacing banks by offering faster, flexible, cash-flow-focused financing for real estate investors.

Banks are retreating due to regulation, slower underwriting, and rising competition from institutional private lenders.

Private lenders innovate with DSCR, bridge, construction loans and finance diverse, growing property sectors.

Institutional capital influx strengthens private credit’s scale, stability, and superior risk-adjusted returns across cycles.

Investors benefit from speed and flexibility but must manage higher costs, due diligence, and liquidity risks.

How Private Credit Is Transforming Real Estate

Canada’s mortgage delinquency rate is expected to continue rising despite the recent quarterly decline.
Upward pressure will intensify as over 750K mortgages renew at higher rates this year.
A further 1.15M renewals in 2026 will add significant national repayment stress.
Higher borrowing costs will challenge households as renewal rates remain well above pandemic lows.
Mortgage renewals at substantially higher costs than in 2020 will increase financial strain for Canadians.