Canadian Private Lenders’ Podcast
The #1 Podcast on Private Mortgage Lending in Canada. Ryan MacNeil and Neal Andreino of Keystone Capital Group outline their private mortgage lending experience and help you grow your mortgage business, while focusing on the importance of the growing Canadian Mortgage Broker channel.
Canadian Private Lenders’ Podcast
Ep.112 | The Core Private Lending Deals Every Broker & Investor Should Understand
In this solo episode of the Canadian Private Lenders Podcast, Ryan MacNeil breaks down the core types of private lending deals and explains when, and why, they make sense for brokers, investors, and borrowers.
Ryan starts with major industry news, including EQ Bank’s acquisition of PC Financial, before diving deep into Keystone’s most common loan structures. From single-family construction and renovation loans to quick-close purchases, refinances, and bridge loans, this episode explains how private lending solves real-world problems around speed, flexibility, and deal execution.
Whether you’re navigating tight closing timelines, complex renovations, or relocation scenarios, this episode provides a practical framework for understanding how private capital fits into the broader mortgage ecosystem.
Show Notes:
00:00 – Major mortgage industry news: EQ Bank acquires PC Financial
00:55 – Episode 112 intro
05:28 – Single-family construction loans explained
06:13 – Why private lenders outperform banks in construction financing
07:33 – Draw schedules, speed, and avoiding project delays
11:28 – Renovation loans & fix-and-flip financing
12:10 – Why banks struggle with renovation lending
13:42 – Staged funding, flexibility, and exit strategies
15:25 – Standard private purchase loans
16:21 – Quick-close scenarios when banks miss deadlines
17:55 – Using private lending as a short-term solution
20:28 – Refinance & equity take-out loans
22:38 – Leveraging property equity for investments or renovations
26:15 – Bridge (relocation) loans explained
28:54 – How blended LTVs can unlock higher leverage
31:43 – Real-world bridge loan example
33:16 – Final recap & key takeaways
34:28 – How to connect with Keystone & closing remarks
Resources:
Keystone Capital Group
CPLP Instagram: @cplpodcast
Keystone Instagram: @keycapgroup
Find Neal On:
Instagram: @neal.andreino
LinkedIn: Neal Andreino
Find Ryan on:
LinkedIn: Ryan MacNeil
E-mail: ryan@keycap.ca