Canadian Private Lenders’ Podcast

Ep.95 | Non-Arm’s Length Transactions: Unlocking Opportunities in Private Lending

• Neal Andreino and Ryan MacNeil • Episode 95

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0:00 | 20:28

In this episode of the Canadian Private Lenders Podcast, hosts Ryan McNeil and Neil Andreino take listeners through one of the most overlooked strategies in private lending: non-arm’s length transactions.

They start by unpacking today’s economic climate — rising unemployment in Ontario, hiring freezes, and the disconnect between stock market optimism and real-world struggles. From there, Ryan and Neil explain how non-arm’s length deals, such as family transfers, estate sales, or spousal buyouts, can be financed creatively with private funds when banks refuse to step in.

Whether you’re a mortgage broker, investor, or just curious about how private lending works in unique scenarios, this episode delivers practical insights and proven strategies from two industry veterans.


Show Notes:

00:00 – Opening thoughts: recession talk, unemployment & market cracks

01:38 – Why rates aren’t being cut & the role of inflation

03:08 – Signs of opportunity in multi-unit & commercial properties

05:25 – Today’s topic: What is a non-arm’s length transaction?

06:18 – Definition & real-world family transfer examples

07:32 – Why banks reject these deals (loan-to-value vs. loan-to-cost)

08:33 – Case study: New Brunswick estate property

10:20 – How private lending solved the deal & covered closing costs

11:29 – Refinance strategy: moving from private to alt lender

13:15 – Broker advantage: turning “impossible” deals into wins

15:08 – Similarities to spousal buyouts

16:05 – Equity vs. private lending: flexibility vs. rigidity

17:33 – Key takeaways: trust building & long-term client value

18:30 – Upcoming: Mortgage Summit live show & big interviews

19:40 – Disclaimer & sign-off


Resources:

Find Neil on:

Find Ryan on: