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Bridge Mortgage

Get approved for a bridge mortgage from private lenders in BC today!

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Simple & Fast Approvals

You can get pre-approved in as little as 24 hours.

Borrow Up To 75% Of Your Home's Value

Loans ranging from $50,000 to $2,000,000

Think Outside The Branch®

Great rates and outstanding customer service.

Why Choose Private Lenders For Bridge Financing

When you need a bridge mortgage, private lenders deliver what banks can’t: speed, flexibility, and equity-focused approval. Your Equity Mortgage connects you with BC’s top private lenders who specialize in bridge financing and understand that timing is everything in real estate.

Private lenders offer bridge financing based on your home equity, not credit scores or employment. Get approved in 24-48 hours and close on your new home without waiting for your current home to sell. Our lenders provide bridge loan funding when traditional banks say no.

Quick Approvals and Flexible Bridge Loan Options

Our bridge financing loans are designed for modern real estate transactions where timing is everything. Whether you’re facing a firm sale on your dream home and haven’t yet received an offer on your current house, or you’re managing a complex two properties scenario, bridge mortgage financing provides the cash flow solution you need.

Swing loans and gap financing are alternative terms for bridge products that solve the same problem: how do you pay for your new mortgage when you haven’t yet received funds from your current home sale? With our bridge loan, you don’t have to wait; you move forward with confidence.

How Bridge Financing Works: The Process

  • You submit an application and receive approval within 24 hours
  • We assess your home equity in your current property and connect you with a lender
  • The appraiser conducts a property appraisal on your new house
  • We prepare the documents and register them with interim financing in place
  • Funds are deposited, allowing you to close on your new home immediately
  • When your old home sells, the bridge loan is paid off from proceeds or paid down and remains on your new home

How Private Lenders Approve Bridge Mortgages

Private lenders make it simple:

  • What’s your current home’s value?
  • How much equity do you have?
  • What’s the new property’s purchase price?

That’s it. Most homeowners qualify for a bridge loan in their first conversation. No months of paperwork. No endless documentation.

Bridge mortgage approval from private lenders takes 24-48 hours because they focus on property value and home equity, not complex income verification.

    Get Approved Quick and Easy




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    Reliable & Professional

    Rated 5 Stars On Google

    • Jeff has been the most accommodating, helpful supportive person I could have asked for. He was recommended as "the best broker you can find" and he did not disappoint my... read more

      Amanda watt
      January 9, 2026

      Jeff helped me with info and advice even before he did a financing search for me, which gave me confidence in his willingness and ability to help. He was very... read more

      Briana
      October 18, 2025

      Jeff was incredible to work with. He is great with communication, he’s thorough and knowledgeable. He gets a deal done quickly. Most importantly, he really cares about his clients. 5... read more

      Andrew & Jessica Moorehouse
      October 6, 2025

      I work with Jeff Di Lorenzon to get my 2nd mortgage and he was Fantastic !!! Very Knowlwdgeable answered all my questions. Just a true delight to work with if... read more

      M-D Bensch
      October 1, 2025

      Jeff is amazing, really came through in a pinch with very short notice . We needed a Bridgeloan and only had 10 days to get it done . He got... read more

      Steve Ferguson
      September 26, 2025

      Jeff found us a mortgage that fit our needs. His communication was on point and easy to work with.

      St Tru
      September 18, 2025

      Jeff has been of great assistance for refinancing our home. We have worked with him for a few years and throughout some serious health issues he has been able to find... read more

      Astrid Hansen-Mascheretti
      August 5, 2025

      Jeff DiLorenzo is my go to for my mortgage needs. He is beyond reliable and always finds me the best solution from lenders. He is very knowledgeable of not only... read more

      Peter Siller
      July 2, 2025
    • I have used TMG twice now to obtain financing for my home, and both times the experience has been flawless. Their service was professional, courteous and prompt!

      Eleah Turkstra
      June 28, 2025

      Working with Jeff Di Lorenzo was a fantastic experience. The entire process was incredibly fast, smooth, and stress-free. Jeff was not only professional but also friendly and approachable — it... read more

      Sue Paull
      June 19, 2025

      Working with Jeff Di Lorenzo was a fantastic experience. The entire process was incredibly fast, smooth, and stress-free. Jeff was not only professional but also friendly and approachable — it... read more

      Sue Paull
      June 18, 2025

      I got in contact with Jeff in regards of private mortgage. He was super easy to talk to, everything was clear and straight forward. Since it was my first mortgage,... read more

      chun hoe ho
      June 11, 2025

      I got in contact with Jeff in regards of private mortgage. He was super easy to talk to, everything was clear and straight forward. Since it was my first mortgage,... read more

      chun hoe ho
      June 10, 2025

      Jeff is a top-tier mortgage broker. He’s incredibly professional, quick to respond, and always puts his clients first. What I appreciate most is his no-nonsense, straight-to-the-point approach—there’s no fluff, just... read more

      Becky Parro
      May 25, 2025

      Jeff is a top-tier mortgage broker. He’s incredibly professional, quick to respond, and always puts his clients first. What I appreciate most is his no-nonsense, straight-to-the-point approach—there’s no fluff, just... read more

      Becky Parro
      May 13, 2025

      My wife Barb and I had the blessing of coming across The Mortgage Group (TMG), Jeff Di Lorenzo a few years back when I was diagnosed with cancer. I was... read more

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      David Rogers
      March 25, 2025
    • First thing I want to say is that I would highly recommend Jeff Di Lorenzo as a mortgage specialist. He’s personable and he knows his stuff. The service he... read more

      Johanne Baird
      March 25, 2025

      My wife Barb and I had the blessing of coming across The Mortgage Group (TMG), Jeff Di Lorenzo a few years back when I was diagnosed with cancer. I was... read more

      media thumbnail 0media thumbnail 1media thumbnail 2
      David Rogers
      March 10, 2025

      First thing I want to say is that I would highly recommend Jeff Di Lorenzo as a mortgage specialist. He’s personable and he knows his stuff. The service he... read more

      Johanne Baird
      March 10, 2025

      Would highly recommend! Fast, efficient, helpful and available when needed. Thanks again. Two thumbs up!

      Jolene Warner
      December 25, 2024

      I choosed Jeff among other mortgage specialists due to his both professional work and enthusiasm. He gave me three financial options and help me pick the most suitable option to... read more

      Thai Nguyen
      December 25, 2024

      Would highly recommend! Fast, efficient, helpful and available when needed. Thanks again. Two thumbs up!

      Jolene Warner
      December 4, 2024

      I choosed Jeff among other mortgage specialists due to his both professional work and enthusiasm. He gave me three financial options and help me pick the most suitable option to... read more

      Thai Nguyen
      December 2, 2024

      It's been a great experience working with Jeff. He's very professional, knowledgeable and gets straight to the point without being judgemental. I'd been a bit wary working with... read more

      Wendy
      November 25, 2024
    • It's been a great experience working with Jeff. He's very professional, knowledgeable and gets straight to the point without being judgemental. I'd been a bit wary working with... read more

      Wendy
      October 31, 2024

      I was referred to Jeff by a friend who worked with him successfully on many properties. I feel very fortunate for the referral because I needed an expert for... read more

      Nico Eichhorst
      October 25, 2024

      I was referred to Jeff by a friend who worked with him successfully on many properties. I feel very fortunate for the referral because I needed an expert for... read more

      Nico Eichhorst
      October 7, 2024

      Efficient, friendly and responsive service. All of our questions were answered timely and the process was smooth and simple.

      Sylvia Mohos
      September 25, 2024

      Efficient, friendly and responsive service. All of our questions were answered timely and the process was smooth and simple.

      Sylvia Mohos
      September 22, 2024

      jeff was a great help to us finding cash equity financing. would highly recommend him . thank you jeff

      Doug Nelson
      July 10, 2024

      I couldn't be more impressed with the service provided by Jeff. From the get-go, he was incredibly responsive to all my emails, often replying within minutes. His ability to understand... read more

      Levania Pranoto
      June 26, 2024

      Among highly admirable qualities, what I like best about Jeff is his honesty / transparency. He was able to guide, inform, encourage and gave me insights that lead to... read more

      Veggie Hunter
      June 25, 2024
    • It was a truly professional experience and thank-you Jeff Di Lorenzo for processing our Mortgage. We will recommend you to friends & family so you can help others processing their mortgage... read more

      John Karroll
      June 25, 2024

      Jeff is a pleasure to work with. He makes what can feel like a very overwhelming process easy and ensures you are getting the best possible outcome for your needs.... read more

      Alexander Sasha Torchinsky
      June 25, 2024

      You can only give 5 stars or I would have given more!! Found Jeff while searching for someone that could help Michelle and I get some much needed repairs done... read more

      Crowtattooed !
      June 25, 2024

      I am very grateful for Jeff’s help. He has a very kind approach, he was incredibly organized and professional, and worked very fast. I would definitely recommend Jeff to anyone... read more

      Bel Rafsanjani
      June 24, 2024

      Jeff made the process so quick and simple! He is also very quick at responding and just a very nice person to deal with! Would highly recommend!

      Annie Cuillerier
      April 24, 2024

      Jeff was amazing to work with, it was an amazing weight lifted to finally catch a break during a very trying time. I highly recommend his services. Thank you!

      Caitlin Delaplace
      April 24, 2024

      Jeff worked hard at helping me out when it seemed like nobody else could help. He was personable knew exactly what I needed at the time. I look forward to... read more

      Jordan
      November 24, 2023

      Among highly admirable qualities, what I like best about Jeff is his honesty / transparency. He was able to guide, inform, encourage and gave me insights that lead to... read more

      Veggie Hunter
      November 24, 2023
    • It was a truly professional experience and thank-you Jeff Di Lorenzo for processing our Mortgage. We will recommend you to friends & family so you can help others processing... read more

      John Karroll
      October 24, 2023

      Wonderful experience working with Jeff! Jeff offered great insight into the different types of mortgage products available and provided me with an excellent recommendation on a suitable solution. ... read more

      Kelvin Tang
      October 24, 2023

      Jeff is a pleasure to work with. He makes what can feel like a very overwhelming process easy and ensures you are getting the best possible outcome for your needs.... read more

      Sasha Torchinsky
      October 24, 2023

      You can only give 5 stars or I would have given more!! Found Jeff while searching for someone that could help Michelle and I get some much needed repairs done... read more

      Crowtattooed !
      September 24, 2023

      My experience with Jeff Di Lorenzo was one characterized as professional, personable and results oriented. Jeff worked diligently with all parties to ensure a timely, satisfactory outcome.

      Kimberly Ross
      September 24, 2023

      Beyond amazing! Helped me land a lender in a very difficult spot. Very professional and presented me with all the options and which was best for me. Will be working... read more

      Jeff Reade
      July 24, 2023

      We have refinanced and renewed multiple properties with Jeff. He is professional, diligent and on top of everything. He has accumulated a wealth of knowledge through all avenues of mortgages... read more

      Crystal Moon
      July 24, 2023

      It was obvious from the get go that Jeff had a ton of knowledge and experience just from the answers he gave to all my questions but more importantly Jeff... read more

      Rick Tanaka
      July 24, 2023
    • Jeff and Penny are wonderful professionals to deal with. They are efficient, reply your inquiries promptly and very knowledgeable as well transparent. They are very professional and follow up with... read more

      A L
      July 24, 2023

      Jeff was the most professional and helpful broker I have worked with. He explained everything in detail and updated me every step of the way. If you are looking... read more

      Cathay Chau
      July 24, 2023

      I submitted my online application Feb 23, and I got response right that day. Jeff has done a great, fast and efficient job in helping my family with our home... read more

      Gloria Dinamling
      July 24, 2023

      I submitted my online application Feb 23, and I got response right that day. Jeff has done a great, fast and efficient job in helping my family with our home... read more

      Gloria Dinamling
      June 25, 2023

      I found Jeff through Google while researching home equity loans and he replied to my inquiry that was sent on Sunday night by calling me first thing Monday morning and... read more

      Ying Ying Lee
      June 25, 2023

      3 words Honest, experienced and professional! Jeff was able to present a great lending option to me, further educating me about Mortgages !

      Scott Butt
      March 23, 2023

      I recently had the pleasure of finding Jeff Di Lorenzo on a simple internet search. I was seeking a private lender for a equity loan on my home. I found... read more

      Tanilia Robertson
      February 9, 2023

      Cold emailed Jeff with a question and was impressed with his answer and will reach out to him if we need support with our mortgage. Wow! Great service.

      Mountain View Equine Rescue
      February 9, 2023
    • Our experience with Jeff was solid - he worked with us to get the financing we needed on an investment property and put us on the path we needed to... read more

      Jennifer Dayton
      January 10, 2023

      Excellent professional service. Quick results. Secured a first mortgage for us in record time., would highly recommend.

      Ryan C
      January 10, 2023

      Had just an amazing experience with Jeff. Very professional, informative, helpful and promt, Even responded to my emails while on vacation. The process was very quick smooth and easy. I... read more

      Patrick Leong
      November 10, 2022

      Jeff is a great guy! Always professional and responds quickly with all the information that I need. I very highly recommend for any mortgage needs you might have. ... read more

      Allison Law
      July 24, 2022

      I found Jeff through Google while researching home equity loans and he replied to my inquiry that was sent on Sunday night by calling me first thing Monday morning and... read more

      Ying Ying Lee
      July 10, 2022

      Jeff went above and beyond to help me get out of my current situation . I found him by chance and I sure am lucky I did! Thank you... read more

      Celina A
      July 10, 2022

      Jeff is very fast and efficient. There are many products that banks won't offer you for not much more. Just make sure you include all parties: lawyers, accountants and Jeff I'm... read more

      Edwin Sugiono
      June 25, 2022

      Jeff helped me set up a mortgage quick and easy. He is very professional, informative, and patient. Im very happy with his service. If you are looking for mortgage loan... read more

      RICK SUN
      June 10, 2022
    • Jeff is amazing to work with !! Always ready to help !

      Sarnali Das
      April 10, 2022

      Jeff is highly personable and informative. He tells you the facts, what your options are, and helps you make the best decision for your circumstances. He has given me honest... read more

      Krista Vallis
      April 10, 2022

      Jeff was very supportive, and knowledgeable about helping me get a mortgage. Jeff communicated clearly and professionally, and was very easy to talk to. He responded promptly to... read more

      ruth deweerdt
      April 10, 2022

      Jeff is highly personable and informative. He tells you the facts, what your options are, and helps you make the best decision for your circumstances. He has given me honest... read more

      Krista Reich
      March 30, 2022

      Jeff was great to deal with! I was needing better options asap, and Jeff was able to help me out very quickly and effectively. He's also very personable and knowledgeable,... read more

      Julie Monroe
      March 10, 2022

      Speaking as a fellow mortgage broker, I cannot speak more highly of Jeff Di Lorenzo's expertise in the field. Knowledgeable, fast, friendly and efficient, Jeff goes to bat for clients... read more

      Penny Borg
      February 10, 2022

      Jeff, thank you so very much for working with my wife Nadia and I in securing financing in an epic purchase situation, an opportunity of a lifetime that would have... read more

      jonathan m
      February 10, 2022

      Jeff is a great guy! Always professional and responds quickly with all the information that I need. I very highly recommend for any mortgage needs you might have. ... read more

      Affinity Dance Studio
      February 10, 2022
    • I have been a client of Jeff's for several years now and highly recommend using him for your mortgage needs. He is knowledgeable, efficient, friendly, and professional. Jeff has... read more

      Stephanie Swanson
      February 10, 2022

      Jeff is very fast and efficient. There are many products that banks won't offer you for not much more. Just make sure you include all parties: lawyers, accountants and... read more

      Edwin Sugiono
      February 10, 2022

      Excellent services! Always available to answer my questions. Very responsive.

      kin man cheng
      February 10, 2022

      Working with Jeff was a very positive experience. He is professional, courteous and super fast at responding to any questions or concerns. I would definitely recommend his services to... read more

      Jackie B
      February 10, 2022

      Jeff is wonderful to work with. He is always responsive and possess great ability to secure the best deal for your situation.

      Rex Fong
      February 10, 2021

      He was efficient. He was friendly - actually he's quite a cool guy. It all happened the way he said it would go down - integrity and know-how.... read more

      Alexander Zuke
      February 10, 2021

      Just a note of thanks for the exceptional service you provided to us on our recent mortgage refinancing. We have worked with Jeff for many years, and we are extremely... read more

      Ken Parson
      February 10, 2020

      Jeff was fantastic to work with, and we highly recommend him.

      Nick
      February 10, 2020

    Get Your Free Assessment

    At Your Equity Mortgage we specialize in bridge financing work that works for BC homebuyers. Our team understands bridge loan terms, bridge loan interest, and how bridge financing solves your timing challenge.

    Get in touch with us for a free assessment. We’ll help you understand which mortgage package best suits you, and advise whether or not you should use a bridge mortgage loan.

    CALL OR TEXT NOW

    778-839-3963

    call jeff di lorenzo

    Frequently Asked Questions

    A bridge mortgage (also called bridge financing or bridge loan) bridges the gap between buying your new home and selling your current home. Bridge mortgage financing is secured against both properties, using your home equity to unlock funds fast.

    When your current home sale closes, proceeds pay off the bridge loan automatically. You’re left with just your permanent financing on your new property.

    Private lenders approve bridge mortgages in 24-48 hours, sometimes faster. This is the main advantage of bridge financing versus traditional mortgages. When you need to close on your new home quickly, private lenders deliver.

    Most lenders require 25% or higher of home equity in your current house. Higher equity positions mean better bridge loan interest rates and easier approval. Private lenders focus entirely on this number, not your credit or interest history.

    No. This is where private lenders differ from banks. You don’t need a firm sale agreement or even an offer on your current property. Bridge financing from private lenders works without pre-selling, giving you freedom to sell on your timeline.

    Most bridge loans offer 6-12 month bridge loan terms, plenty of time for your current home to sell. If your old property hasn’t sold by maturity, you can:

    • Extend the bridge mortgage (most lenders allow this)
    • Refinance into long term financing
    • Adjust your sale strategy

    We’ll discuss contingencies before you commit.

    • Bridge loan costs involved typically include:
    • Bridge loan interest (higher than traditional rates, but short-term)
    • Origination fees (1-3% of loan amount)
    • Legal fees ($900-$2,100)
    • Appraisal costs ($450-$1,200)
    • Closing costs and administrative charges

    Interim financing costs are offset by the speed and certainty of bridge financing. You avoid losing your dream home or accepting lower offers because you’re forced to sell quickly.

    Bridge loan interest rates run 2-5% higher than traditional mortgages. However, you only pay interest for 3-6 months, not 25 years. A $300,000 bridge loan at 6% for 4 months costs ~$6,000 in interest—often cheaper than the cost of losing your dream home.

    Yes. Private lenders approve bridge mortgages based on home equity and property value, not credit scores. This is why borrowers choose bridge financing from private lenders over banks. Even with credit challenges, strong equity qualifies you for a bridge loan.

    A bridge mortgage is short-term financing (6-12 months) designed to bridge between buying and selling homes. A home equity loan is longer-term financing used to access your equity for various purposes.

    Need a short term loan to pay for your new home purchase? Bridge financing is your answer. Need funds for other purposes? A home equity loan may work better.

    A firm purchase agreement strengthens your bridge mortgage application with private lenders. However, many lenders approve bridge financing even with conditional offers, especially if you have strong equity. 

    Gap financing and swing loans are alternative names for bridge mortgages. They all solve the same problem: how to pay for your new mortgage before your current home sale closes. Bridge financing works the same way, giving you immediate funds to close and then paying back from your sale proceeds.

    Yes. Bridge mortgage financing works for investment properties, rental properties, or any real estate purchase. Bridge loan terms for investment scenarios may differ slightly, but private lenders structure bridge financing loans for diverse situations.

    Contact Your Equity Mortgage for a free assessment. We’ll review your home equity, answer your questions, and explain bridge loan terms clearly. We handle everything—appraisals, legal fees, documentation – and we’ll find the best private lender for you. You focus on your new home.

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    Get Approved For A Loan In As Little As 24 Hours

    Apply Today 778-839-3963