Thea is a private mortgage platform built to eliminate the inefficiencies brokers and lenders deal with every day.
Why we built this
Between us, we've spent years on both sides of the mortgage table — originating deals through institutional channels, funding them through private capital, and navigating everything in between. A-lenders, B-lenders, MICs, bridge financing, construction, mezzanine — across residential, multifamily, commercial, and land.
We've watched great deals die over a missing appraisal. We've seen brokers spend more time chasing paperwork than closing. We've seen lenders pass on good files because they showed up incomplete and unstructured.
Thea exists because the process shouldn't get in the way of the deal.
The problem we're solving
Private mortgage deals move fast — but the process doesn't. Brokers spend hours chasing missing information. Lenders receive incomplete packages. Deals fall apart over admin, not merit. We built Thea to fix that.
How we work
Submit your deal in one email. Our team reviews it, validates the file, and forwards it to lending partners. You get updates as it moves.
Receive pre-packaged, vetted deals tailored to your criteria. No sourcing, no chasing brokers. Just clean files ready to review.
Every file gets a deal summary, LTV analysis, borrower profile, and draft LOI before it ever reaches a lender.
Our values
We move fast because deals don't wait.
No surprises. Clean files, clear terms, honest communication.
We're not a marketplace. We're a team that works with people we trust.
Who we work with
We partner with individual private lenders and family offices deploying capital in Ontario real estate. Typical deal sizes range from $50K – $2MM.
Our current focus is first and second residential mortgages.