Private Lending Lawyer in Toronto, Brampton & All of Ontario

Reliable. Affordable. Protects Your Capital.

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Expert Legal Representation for Private Mortgages Across the GTA

Welcome to Perera Law, your trusted real estate and private lending lawyer serving Toronto, Brampton, and all communities in between. Whether your transaction is based in Etobicoke, Mississauga, Caledon, Georgetown, Milton, Orangeville, or Barrie, our firm provides specialized legal oversight for private mortgage investments, debt restructuring, and alternative property financing.

Private lending transactions require speed, accuracy, and thorough legal protection. Unlike standard institutional mortgages from major banks, private loans involve customized terms, specific risk profiles, and strict disclosure requirements under Ontario law. At Perera Law, we represent both private lenders looking to safeguard their capital and borrowers securing alternative financing. From our main hub in Brampton to our West End office at 10 Four Seasons Place in Etobicoke/Toronto, our firm handles every detail to ensure your private mortgage is registered legally and enforced properly.

Comprehensive Private Lending Legal Services

Our firm manages the complete lifecycle of private mortgage transactions, providing clear legal advice and diligent document drafting:

1. Private Mortgage Commitment & Agreement Review

We draft and review private loan commitments, schedule terms, and cost-of-borrowing disclosures. We ensure that interest calculations, payment schedules, default clauses, and renewal terms are clearly stated and legally binding.

2. First, Second & Third Mortgage Registrations

Protecting lender priority is critical in alternative financing. We perform comprehensive title searches, execution searches, and PPSA checks to verify existing liens before registering 1st, 2nd, or subsequent charges on property titles across Toronto, Brampton, and Ontario.

3. Independent Legal Advice (ILA) for Borrowers & Guarantors

To ensure enforceability and satisfy lender requirements, Ontario regulations often require borrowers or co-signers to obtain Independent Legal Advice (ILA). Our firm provides prompt, thorough ILA consultations in plain English so all parties fully understand their legal obligations and risks.

4. Loan Renewals, Term Extensions & Amendments

When a private mortgage reaches maturity, extending or modifying the loan terms requires legal updating to preserve the lender’s priority position. We prepare formal renewal agreements and amendments quickly to keep transactions compliant.

5. Payout Statements & Debt Discharges

Whether paying off a private loan or refinancing back into an institutional mortgage, our office prepares accurate payout statements, per-diem interest calculations, and formal mortgage discharges to ensure clean debt settlement.

Servicing Toronto, Brampton, and All Surrounding Regions

With physical offices strategically located in Brampton (7685 Hurontario St) and Etobicoke/Toronto (10 Four Seasons Pl), Perera Law seamlessly services clients across the entire Greater Toronto Area. We regularly manage private lending files for property owners and investors in:

Central & West GTA: Toronto, Etobicoke, North York, Scarborough, and Mississauga.
Peel & Halton Regions: Brampton, Caledon, Georgetown, Milton, and Oakville.
North & West Ontario: Orangeville, Dufferin County, and Barrie.

Do you live outside these immediate cities? Our office utilizes secure remote signing technology and flexible virtual consultations, allowing us to complete private mortgage transactions for clients anywhere in Ontario without requiring an in-person office visit.

Why Lenders and Borrowers Choose Perera Law

Transparent Flat-Fee Pricing: Private financing should not come with unexpected legal fees. We provide upfront, flat-fee quotes for private loan drafting, registrations, and ILA.
Fast Turnaround Times: Private lending operates on tight schedules. Our firm moves quickly to review documents and register charges so funding is released without delay.
Decade of Real Estate Expertise: Led by Thilini Perera, our firm brings nearly 10 years of specialized residential property and contract experience to every file.
Flexible Evening & Weekend Availability: Open Monday through Sunday until 10:00 PM to accommodate urgent signing needs and busy investor schedules.

Perera Law is here to help with your private mortgage needs—let’s work together.

Contact Our Private Lending Lawyer Today

Get in touch with our office for a transparent, no-obligation quote on your upcoming private lending or mortgage transaction:

Brampton Office: 7685 Hurontario Street, Suite 302 | Phone: (905) 863-1082
Toronto / Etobicoke Office: 10 Four Seasons Pl, Suite 1000 | Phone: (416) 521-3128
Email: [email protected]
Hours of Operation: Monday – Sunday: 9:00 AM – 10:00 PM

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Perera Law is here to help, so let’s work together.

Ask Perera Law about flat-fees, evening/weekend appointments and mobile services.