Private Lending Legal Services in Ontario
Private lending can offer attractive opportunities—particularly when loans are secured against real property. However, without proper legal safeguards, even a single oversight can expose lenders to delays, enforcement challenges, or potential losses. Whether you’re lending personally, through a corporation, or as part of a mortgage investment entity, Ontario law imposes strict requirements on how loans are structured, documented, and enforced.
At Nihang Law, we assist private lenders across Ontario in navigating these requirements. We provide legal advice to help structure enforceable lending arrangements, register security interests on title, and manage legal remedies in the event of borrower default.
What Is Private Lending?
Private lending refers to loans provided by individuals, corporations, or investment groups rather than traditional financial institutions like banks or credit unions. These loans are often secured by real estate and may be sought by borrowers who do not meet institutional lending criteria due to credit history, income verification, or other factors.
While private lending can offer flexible structuring and quicker closings, these transactions also carry legal and financial risks. Proper legal guidance is essential to ensure compliance with Ontario’s lending and mortgage laws.
How Nihang Law Can Help
We offer legal support for private lending transactions, including:
- Reviewing the transaction and identifying applicable legal requirements
- Advising on loan structure to support enforceability and regulatory compliance
- Drafting and reviewing loan agreements, mortgage or charge documents, and supporting materials
- Assisting with title registration to secure the lender’s interest
- Advising on enforcement options in the event of borrower default, including power of sale or foreclosure proceedings
Why Clients Work With Us
Our team has experience advising on a range of real estate-secured transactions, including first and second mortgages, bridge loans, and multi-party investments. We understand the time-sensitive nature of these transactions and aim to provide timely, practical legal advice without compromising on legal diligence.
Where possible, we offer flat-fee pricing for private lending services to provide transparency and predictability. We strive to clearly explain the legal steps and documentation involved, so our clients are well-informed throughout the process.
Contact Us
If you are considering or involved in a private lending transaction, contact Nihang Law for legal advice tailored to your needs. We can help you understand your legal obligations and reduce risk.
Call us at 416-321-0253
Email us at info@nihanglaw.com