Private Mortgage Solutions
When traditional lenders cannot help, private mortgages provide fast, flexible financing with a clear exit strategy back to institutional lending.
When Private Makes Sense
Situations Where Private Mortgages Help
A private mortgage in BC is not a last resort. It is a strategic financing tool used when timing, credit, or property type prevents institutional approval.
Bridge Financing
You need to close on your new home before your current property sells. Bridge financing covers the gap so you do not lose the deal.
Credit Rebuilding
Recent credit issues like consumer proposal, bankruptcy discharge, or late payments. A private mortgage gives you time to rebuild before qualifying with a bank.
Quick Closings
Time-sensitive purchases, court-ordered sales, or estate sales requiring 7-14 day closings. Banks cannot move this fast but private lenders can.
Construction & Renovation
Major renovations, property conversions, or construction projects that banks will not finance until the work is complete and the property is appraised.
Private Mortgage Rates
Typical Rate Ranges in BC
Private mortgage rates are higher than institutional rates, but the flexibility, speed, and access to financing often outweigh the additional cost. Every situation is unique.
First Mortgage
Up to 75% LTV
1 Year Term
Second Mortgage
Up to 80% Combined LTV
1 Year Term
Construction / Land
Up to 65% LTV
6-12 Month Term
Rates are approximate and vary based on property type, location, LTV, and borrower profile. Lender fees of 1-3% may apply.
Our Process
How We Structure Private Mortgages
Every private mortgage we arrange includes a clear exit strategy. Our goal is to transition you back to institutional lending at the lowest possible cost.
Assess Your Situation
We review your property, equity position, credit history, and income. We determine the best private lending option and structure the deal to minimize costs.
Match with Vetted Lenders
We work with a network of established, reputable private lenders in BC. Every lender is vetted and regulated. No predatory lending, no hidden terms, no surprises.
Fast Approval & Funding
Private mortgages can be approved in 24-48 hours and funded within 7-14 days. We coordinate with lawyers and appraisers to meet your timeline.
Build Your Exit Strategy
We create a clear plan to transition you to a bank or credit union within 12-24 months. This includes credit repair guidance, income documentation planning, and rate monitoring.
Need Fast, Flexible Financing?
Get a private mortgage quote in 24 hours. We work with vetted private lenders across BC and always include a clear exit strategy.