Stop calling 20 brokers. HypothIQ maps every private lender in Quebec — rates, terms, LTV limits, regions served — so you can compare and connect before you apply.
No more blind applications. See the market before you commit.
Tell us about your property, location, loan amount, and situation. Self-employed? Credit challenges? Construction project? We've seen it all — just be upfront and we'll find what fits.
Instantly see which private lenders serve your region, their current rates, LTV limits, fees, and terms — side by side. No more guessing what's available or who lends where.
Found a lender that fits? Connect directly or get pre-qualified before submitting a full application. You go in informed, with realistic expectations on rates and terms.
Quebec's private mortgage market is opaque. HypothIQ brings transparency to every part of the process.
See real private mortgage rates side by side. Compare interest rates, lender fees, and total cost of borrowing across dozens of lenders.
Enter your property details and get matched with lenders who actually fit your profile. No wasted applications, no surprise rejections.
See exactly which lenders operate in which regions of Quebec. Montréal, Québec City, Laurentides, Estrie — find who lends where you need.
Get a preliminary answer before applying. Know your odds, expected rate range, and likely terms — so you negotiate from a position of knowledge.
LTV ranges, interest rates, fees, loan terms, renewal conditions — all visible by lender. No hidden surprises after you've already committed.
Full French and English support. Browse, compare, and apply in whichever language you're comfortable with. Built for Quebec.
HypothIQ is for borrowers who need financing outside the traditional banking system.
Income hard to prove on paper? Private lenders look at the property, not just your T4.
Building or renovating? Find lenders who specialize in construction draws and project financing.
Scaling your portfolio? Compare bridge loans and short-term financing for your next acquisition.
Buying before selling? Short-term private financing to bridge the gap between properties.
Past credit issues? Private lending can be a stepping stone back to conventional financing.
Browse Quebec's private lending market for free. Compare rates, find lenders in your region, and go in informed.
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