Expanding Our Lending Horizon: Now Offering up to 80% Loan-to-Value (LTV) on Urban Purchases
At Keystone MIC, we pride ourselves on being a private mortgage lender that looks beyond the traditional lending box to make strong, practical deals happen.
While our standard lending guideline is up to 75% Loan-to-Value (LTV), we understand that many great opportunities — especially value-add or income-producing real estate — require flexibility.
That’s why we’re excited to announce that Keystone will now consider up to 80% LTV on purchases in urban markets across Atlantic Canada, including Halifax, Dartmouth, Moncton, and St. John’s.
When We’ll Consider 80% LTV
Our goal is to support borrowers who are improving properties and strengthening their portfolios. We’re open to lending up to 80% LTV when:
🏗️ The borrower plans to renovate or improve the property’s value after purchase.
🏘️ Additional real estate is offered as security, providing stronger collateral.
📍 The property is located in a strong, stable market with solid resale or rental potential.
This flexibility benefits real estate investors, house flippers, and mortgage brokers seeking private mortgage solutions for clients buying or upgrading properties in Atlantic Canada’s urban centres.
We can also consider 80%+ LTV when the loan is secured against multiple properties, giving experienced investors even more leverage and flexibility.
Example: Dartmouth, Nova Scotia Value-Add Purchase
Here’s an example of how this can look in practice.
A borrower in Dartmouth, NS identified a single-family home priced below market value due to outdated finishes and deferred maintenance. The property was in a sought-after neighbourhood with strong comparable sales for renovated homes.
Purchase Price: $475,000
Estimated After-Repair Value (or As-Complete value): $650,000
Keystone’s Loan: 80% of purchase = $380,000
Renovation Holdback: $50,000 (released in progress draws as work is completed)
Total Financing: $430,000
This renovation loan structure allowed the borrower to close quickly, access construction funds in stages, and complete updates that significantly increased the property’s value.
When the renovations was complete, the home appraised at $650,000, the borrower has created approximately $220,000 in equity — setting them up for a refinance with a traditional lender or a profitable resale.
This is a great example of how bridge financing through a private lender can help investors unlock value and move efficiently on time-sensitive deals.
Why It Matters
At Keystone MIC, we believe in practical lending backed by real-world understanding. Every deal tells a story, and when the fundamentals make sense, we’re ready to help borrowers and brokers structure a solution that works.
By offering up to 80% LTV on urban properties, Keystone helps:
Borrowers act quickly on competitive opportunities
Real estate investors preserve more working capital
Renovators improve and stabilize housing supply in growing communities
Partner with Atlantic Canada’s Trusted Private Lender
If you’re a mortgage broker looking for flexible private mortgage options for your real estate investor or other borrower clients — from bridge loans to renovation financing — our team is here to help.
📧 Reach out to Keystone MIC today to discuss your next deal and see how we can help make it work.
