Most of them are achieved through traditional lenders and institutions like banks, but some are accomplished through less traditional means.

I have a few private institutional lenders I can use that are lighter on the rates and terms, etc.

I was hoping to hear some of the common lenders or institutions that my fellow canadians might commonly use for hard money loans.

As a broker, I'm always trying to find the best deal for the specific client and property.If you are looking for local private money lenders, your local real estate investment groups might have some leads for you as well.Most institutional private lenders are going to need an appraisal/valuation of the property, and permits to be issued for the construction of the building (if your area requires it). 

Financial institutions have long looked at the money that comes from RE transactions and feel that they don't make enough of it and have made attempts via legislation to move into the domain of Realtors but the NAR has successfully lobbied to stop them.

When you say private lender, is this institutional capital or from an individual?

This may be easier with hard money as it is more institutional.

Are you referring to institutional lenders?

There plenty of other opportunities elsewhere, my clients are involved in institutional grade properties across the country.

Truly private money could simply be one person lending money while hard money is usually an institution or similar.