When the Banks Say “No”, RiverRock MIC Says “Let’s Take a Look.”
RiverRock Mortgage Investment Corporation (RiverRock MIC) is a Toronto-based private lender that specializes in deals most banks won’t touch, but should.
Whether it’s self-declared income, soft credit, or a recent bankruptcy, RiverRock isn’t scared of messy paperwork. They lend based on what matters most: marketable real estate in urban and suburban Ontario.
And unlike many lenders who treat private deals like a last resort, RiverRock is designed for them. With 1st and 2nd mortgages up to 80% LTV, open terms, prepaid options, and a streamlined underwriting model, they give flexibility to borrowers who need it most, and get deals done when others can’t.
The Flexible Private Lender That Actually Understands Real Life.
Why Borrowers Love RiverRock MIC
Self-Declared Income Borrowers
Qualify without tax returns. RiverRock’s flexible income program makes it easier to prove affordability—even without a T4.
Poor or Thin Credit
Bad credit doesn’t mean no mortgage. RiverRock prioritizes property strength over score—and gives you a path forward.
Bankruptcy or Consumer Proposal
Need to clean up your credit file? RiverRock supports payout strategies that help you rebuild and move on.
Self-Employed
Income doesn’t need to be traditional. RiverRock works with business owners using stated income and flexible underwriting.
Urban & Suburban Ontario
From Toronto to Ottawa, RiverRock lends where the market is strongest—focused on high-resale-value homes across Ontario.
Open Terms & Prepaid Options
Stay liquid and flexible. RiverRock offers open-term mortgages and prepaid solutions to suit your goals and cash flow.
TL;DR: Who’s RiverRock For?
Self-employed borrowers without provable income
People with bruised, thin, or no credit history
Clients recovering from bankruptcy or consumer proposal
Borrowers who need open terms, prepaid options, or short-term flexibility
Homeowners in urban and suburban Ontario, including the Ottawa-Kingston corridor
If you’ve got marketable real estate, RiverRock cares more about your property than your paperwork.
Is RiverRock MIC the smartest move for your mortgage?
I’ll help you find out - no guesswork, just answers.
Thinking of Using RiverRock MIC? Here's What You Really Need to Know
-
RiverRock lends in urban and suburban Ontario, with an increasing focus on the Ottawa–Kingston corridor. They prioritize residential properties with strong resale potential.
If your property is in a rural area, we’ll review the file and advise if RiverRock is a good fit, or recommend another lender.
-
Oui. Yes. Both.
RiverRock offers full bilingual servicing, especially considering their focus on Ottawa in English and French - making life easier for borrowers and brokers alike. -
Absolutely. RiverRock regularly works with borrowers who are in, or just coming out of, a consumer proposal or bankruptcy.
They offer prepaid mortgage options to pay out the proposal and start rebuilding your credit immediately. -
RiverRock offers:
1st and 2nd mortgages
Loan-to-value up to 80%
Open and short-term options
Prepaid interest structures (great for cash flow and rebuilding credit)
Mortgages are typically 6–12 months, but built with flexibility in mind.
-
Rates are based on a combination of:
Loan-to-value (LTV)
Credit strength
Property type and location
Generally, the more equity you have, the better your rate.
-
RiverRock MIC is a private lender.
-
No, RiverRock is only available through licensed mortgage brokers and agents.
That’s where we come in. We help you structure the deal and secure their most competitive terms. -
Yes, as with all private lenders, fees are part of the structure.
Typical closing costs include:Lender fee (usually a flat percentage of the mortgage)
Broker fee (often included in prepaid options)
Legal fees and title insurance
In many cases, some or all of these fees can be rolled into the mortgage, so you don’t need to pay them out-of-pocket.
RiverRock MIC
Contact & Helpful Tools
Looking to learn more about RiverRock MIC or explore their mortgage options? Here’s the key info you need, no guesswork, no hassle.
-
200 Bay Street, Suite 3120
Toronto, Ontario M5J 2J1 -
-
Phone: (416) 504-1886
Fax: (416) 364-5999
Note: RiverRock works exclusively through mortgage brokers like me — calling them directly usually means they’ll refer you back to a broker.
-
Hours of Operation:
Monday – Friday: 9:00am - 5:00pm -
