01
For brokers
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.
About Thea
Built for the way private lending actually works.
Your AI co-broker for private mortgages.
Thea organizes the file, closes information gaps, and helps good deals reach the right lender with less back and forth.
Why we built this
We’ve worked on both sides of the mortgage table.
Between us, we’ve spent years originating deals through institutional channels, funding them through private capital, and navigating everything in between: A-lenders, B-lenders, MICs, bridge financing, construction, and 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, and lenders pass on good files because they arrived incomplete and unstructured.
Thea exists because the process shouldn’t get in the way of the deal.
The problem
Private mortgage deals move fast. The process doesn’t. Deals should win or lose on their merits, not because the file was buried in admin.
How we work
One workflow. Every side of the deal.
02
For lenders
Receive pre-packaged, vetted deals tailored to your criteria. No sourcing, no chasing brokers. Just clean files ready to review.
03
For the deal
Every file gets a deal summary, LTV analysis, borrower profile, and draft LOI before it ever reaches a lender.
What we stand for
Built for momentum and trust.
Speed
We move fast because deals don’t wait.
Clarity
No surprises. Clean files, clear terms, honest communication.
Relationships
We’re not a marketplace. We’re a team that works with people we trust.
Who we work with
Private mortgage professionals across Ontario.
We partner with mortgage brokers, individual private lenders, and family offices deploying capital in Ontario real estate.
Deal size
$50K to $3MM
Current focus
1st & 2nd mortgages
Work with Thea