Solidity Group Mortgage Lender Profile
Generally for Owners of homes, farms or investment property in small town and rural Ontario who need private financing outside the banks.
Who they are
Solidity Group Mortgage Investment Corporation is a private lender in London, Ontario, structured as a mortgage investment corporation and licensed by the Financial Services Regulatory Authority of Ontario under licence 12202. It raises capital from investors, who subscribe through the company and follow their holdings on an online investor portal, and lends that capital out as mortgages sourced largely through mortgage brokers. It describes its own approach as focused, conservative, transparent and simplified. Broker and investor enquiries are handled on separate lines from the same London head office. The company does not publish a founding year on its website.
What they lend on, and who for
Solidity says its lending niche is small town and rural Ontario, a market many urban-focused private lenders avoid, and it lends on residential, agricultural and investment properties. The specifics a borrower would want to compare are not published: it does not state mortgage positions, term lengths, loan-to-value limits or borrower criteria, so you would need to ask for its current lending terms rather than assume them. Most of its business reaches it through mortgage brokers, so in practice a licensed broker would package and submit your file. It is most relevant if your property sits outside the major Ontario centres.
How to approach Solidity Group
You can contact Solidity Group yourself; nothing stops you. What you cannot easily find out is what they will actually accept. What loan-to-value they will genuinely go to on your property, what exit they want to see, what the lender fee comes to, and how fast they can fund — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Private · MIC |
| Registered as | Solidity Group Mortgage Investment Corporation |
| Head office | 1 Commissioners Road East, Suite 211, London, ON N6C 5Z3 |
| Website | soliditygroup.ca |
| Phone | 519-671-1451 |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for Solidity Group
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with Solidity Group?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about Solidity Group
Is Solidity Group a real mortgage lender?
Yes. Solidity Group is a private (mic) based in Ontario. Its own site is soliditygroup.ca.
What kind of lender is Solidity Group?
Private — categorised in our directory as MIC. Equity lenders — the property matters more than the borrower. Short terms, higher rates, lender fees, and speed. Right for a genuinely temporary problem, wrong as a destination.
Should I go to Solidity Group directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with Solidity Group regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would Solidity Group approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does Solidity Group lend?
Its head office is in Ontario. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would Solidity Group take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file