Private Lending Real Estate Appraisals
Private lending moves fast, and decisions rely on accurate, defensible market value.
We provide independent, professionally supported valuations designed for private lenders, investors, brokers, and borrowers who need reliable numbers, strong comparable selection, neighbourhood analysis, marketability review, and clear commentary built specifically for private lending decisions across the GTA and surrounding areas.
Overview
Private lending plays a major role in today’s real estate market. Many borrowers do not qualify through traditional lenders, and private lenders rely almost entirely on one thing, an appraisal they can trust.
Private lending decisions depend on:
• true market value
• equity position
• condition and marketability
• neighbourhood stability and absorption
• property risk profile
• likelihood of resale
Advanced Appraisals structures every private lending valuation to support each stakeholder. Borrowers receive clear explanations. Underwriters and mortgage administrators get a clean, easy to review structure. Investors receive the detail needed to understand risk and market behavior.
You receive an appraisal that is independent, defensible, standards compliant, and tailored to the requirements of first, second, and third mortgage lending.
WHY PRIVATE LENDING APPRAISALS MATTER
We frequently complete valuations for:
• borrowers who do not qualify with traditional lenders
• homes under renovation or mid renovation
• refinancing or debt consolidation
• bridge financing
• short term and interest only lending
• investment property purchases
• second and third mortgages
• equity take outs
• urgent or time sensitive closings
• self employed or stated income clients
• homes requiring repair or improvement
• unique, complex, or hard to finance properties
Our reporting reflects actual market behavior and the lending conditions tied to each scenario.
Each private lending appraisal includes:
• independent estimate of market value
• comparable sales grid with detailed adjustments
• market and neighbourhood analysis
• absorption rate and days on market indicators
• marketability assessment
• condition and functional layout review
• identification of resale related risk factors
• commentary tailored for lenders, brokers, and investors
• current market trend summary
• consideration of renovation status and deferred maintenance
• highest and best use review when relevant
• clear reconciliation explaining valuation logic
• loan to value context for lender clarity
• fully standards compliant reporting
• clean, consistent, underwriter friendly formatting
The result is a valuation that is strong, defensible, and ready for private lending decisions.
We provide private lending appraisals for a wide range of properties across the GTA and surrounding areas including:
• detached homes
• semi detached homes
• freehold townhomes
• condominiums and stacked towns
• luxury estates and custom built homes
• homes with additions or major renovations
• legal and non legal rental suites
• multi unit residential up to four units
• rural and semi rural properties
• older homes with unique layouts
• properties requiring repair or upgrades
• high value estate properties
Complex properties receive expanded commentary so lenders understand the real impact on value.
Private lending centers on risk control. While we do not provide lending advice, we clearly outline property and market based risks.
Neighbourhood Behaviour
Strength, stability, and local buyer demand.
Absorption Rate
How quickly comparable homes are selling.
Condition and Marketability
Impact of deferred maintenance, upgrades, or renovation status.
Comparable Quality
Strength and reliability of available data.
Location Considerations
Busy streets, rail lines, commercial influence, or irregular positioning.
Layout and Functionality
Floor plan, usability, and buyer appeal.
Legal vs Non Legal Suites
Impact on demand and value.
Each risk factor is presented in clear, practical language that lenders, brokers, and borrowers can easily
Private Lenders and Investors
• individual private lenders
• mortgage investors
• MICs
• syndicated lending groups
• real estate backed investment firms
Brokers, Lawyers, and Administrators
• mortgage brokers
• mortgage administrators
• trustees and lending entities
• real estate lawyers
Borrowers
• homeowners accessing equity
• landlords and investors
• self employed clients
• borrowers with fast closing requirements
All parties rely on clarity, accuracy, and a fully independent valuation.
SERVICE AREAS
We provide private lending appraisals across the GTA and surrounding areas including:
Mississauga, Brampton, Oakville, Burlington, Milton, Halton Hills, Toronto, Vaughan, Richmond Hill, Markham, Pickering, Ajax, Whitby, Oshawa, Hamilton, Ancaster, Stoney Creek, Grimsby, Niagara Falls, St. Catharines, Barrie, Innisfil, Bradford, New Tecumseth, and nearby communities.
For Private Lenders
• precise equity position
• confidence in lending decisions
• clear comparable selection
• strong support for underwriting
• reduced exposure to risk
For Mortgage Brokers
• clean structure for lender submission
• faster file movement
• fewer lender questions
• stronger guidance for clients
For Borrowers
• clarity on market value
• smoother lending process
• professional documentation
• confidence in equity position
Your completed appraisal package includes:
• concluded fair market value
• comparable sales grid
• market and neighbourhood analysis
• property condition review
• marketability and risk commentary
• highest and best use review when applicable
• digital PDF report
• support for follow up questions
• fast turnaround options
How is a private lending appraisal different from a bank appraisal?
Private lending appraisals place stronger emphasis on equity, marketability, and risk. The structure is cleaner and tailored to private underwriting expectations.
Do you evaluate homes that need repairs or renovations?
Yes. Condition, deferred maintenance, and renovation status are always factored into value.
Can you work directly with my broker or lender?
Yes. We coordinate with mortgage brokers, administrators, and private lenders throughout the process.
Do private lenders accept your reports?
Yes. Our reporting is used by MICs, individual lenders, private lending groups, and syndicated investors across the GTA and surrounding areas.
How quickly can the appraisal be completed?
Most private lending requests are completed in one to two business days. Rush options are available.
Can this appraisal be used later with a traditional lender?
Sometimes. Certain institutional lenders require lender ordered reports. We can advise based on the situation.
