With a private mortgage, you can often borrow up to 85% of your property’s appraised value. Our private mortgage rates are directly tied to this Loan-to-Value (LTV) percentage. A lower LTV means less risk for the lender and a much better interest rate for you. To get your personalized rate based on your property’s value, call our experts today.
*After submitting this form, we will contact you within 24 hours.
Compare Our Private Mortgage Rates
At Seven Lending, our rate structure is based on a simple principle: risk. The lower the loan-to-value (LTV), the lower our risk, and the better the interest rate we can offer you. While we place less emphasis on credit score or income, our primary considerations are:
Below are our current interest-only mortgage rates. Our goal is transparency, which is why our lender fee is a flat 1.50% of the loan amount for all LTV tiers.
Note: Rates are indicative, subject to change, and based on approved credit (O.A.C.).
We combine competitive, equity-based rates with a service designed for your peace of mind.
No hidden clauses or last-minute surprises. We provide a clear, written explanation of all terms, fees, and prepayment options.
Get a quote and explore your options with zero impact on your credit score.
Our best rates are reserved for those with higher equity (lower LTV). We focus on your property’s value, not your credit history.
Forget the banks’ endless paperwork. Our streamlined process moves from approval to funding in days, not weeks.
You will notice that private lending rates are different from those at major banks. This is because we play a different role in the market and serve different needs. Here’s a simple breakdown of the key differences:
The rates above are a guideline, but the best way to understand your options is to get a quote based on your unique situation. You can also review our expert tips for borrowing a loan to ensure you are fully prepared for your application.
Here are simple answers to some common questions about our private mortgage rates.
Our rates are fixed. This means your interest rate will never change for the entire loan term. Because of this, your monthly payments are always the same, which makes budgeting easy and predictable for you.
You don’t have to pay this fee from your own pocket. Instead, it is a one-time fee that we simply take from the loan money before you receive it.
Your home’s equity is the most important thing we look at. However, a very good credit score can sometimes help you get a slightly better rate. A lower credit score might mean a slightly higher rate, but it will not stop you from getting approved with us.
*After submitting this form, we will contact you within 24 hours.
*After submitting this form, we will contact you within 24 hours.
*After submitting this form, we will contact you within 24 hours.