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first time home buyer

First Time Homebuyer Private Loan

Get approved in as little as 24 hours. Call now!

CALL OR TEXT NOW

778-839-3963

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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.

At Your Equity Mortgage, we offer first time homebuyers in BC alternative mortgage solutions when traditional banks say no. Qualify based on your property’s value and your available down payment, not just your credit score or income history.

Private Lending for First Time Homebuyers

If you’re a first time homebuyer in Vancouver or anywhere in BC, you face major hurdles: rising purchase prices, strict lending rules, and upfront costs such as your down payment and closing costs. Private mortgage lenders focus on your property and equity. That means more flexibility for approval, even if you have non-traditional employment, bad credit, or are self-employed.

  • Fast approval: Get your application processed in days, not weeks.
  • Flexible terms: Choose a structure that fits your income and goals.
  • Clear eligibility: Approval is based on your home’s value, not just credit files.
  • Bigger range: Works for newly built, existing, or substantially renovated homes.

The Approval & Purchase Process

You start with a quick online application. Our team reviews your goals and key documents – proof of income, down payment, and property details. We present private lenders who fit your situation and walk you step by step from pre-approval through closing. Expect a simple process with honest guidance and full breakdowns of legal fees, title insurance, mortgage payments, and tax implications.

    Get Approved Quick and Easy




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    pylonpylon

    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

    Ready to Buy Your First Home in BC?

    Your Equity Mortgage connects first time homebuyers across BC with private mortgage lenders who approve based on your property value and down payment, not just your credit score. Whether you’re searching in Vancouver or elsewhere in BC, we offer fast approvals and flexible mortgage solutions tailored to your situation.

    Apply online or call us seven days a week. We’ll review your needs, explain your options clearly, and help you move forward with confidence. No pressure. No jargon. Just honest guidance from start to closing.

    CALL OR TEXT NOW

    778-839-3963

    call jeff di lorenzo

    Frequently Asked Questions

    A first time homebuyer is someone who has never owned a home anywhere and meets residency and property value criteria. Federal programs may have slightly different definitions.​

    Yes. The FHSA, RRSP Home Buyers Plan, and TFSAs can all help you boost your down payment and reduce tax. You may also be eligible for the BC land transfer tax rebate and the federal non-refundable first time home buyers’ tax credit.​

    Private lenders are flexible. They focus on your property and down payment, not just your credit score or income stability. This helps more first time homebuyers in BC get approved quickly, especially if your bank declined your application.​

    Budget for the down payment, legal closing costs, title insurance, appraisal fees, property taxes, mortgage insurance (if required), and moving expenses. Private lender rates can be higher, but you gain speed and chance of approval.

    A first home savings account (FHSA) lets you grow your down payment tax free. You can contribute annually, and both your contributions and investment growth are tax deductible up to a maximum benefit. When you withdraw funds for a qualifying home purchase, withdrawals are tax free if you meet eligibility criteria as a Canadian resident.​

    Yes. The federal government Home Buyers Plan allows you to withdraw up to $60,000 from your registered retirement savings plan (RRSP) tax free. You then start repaying the amount over up to 15 years, usually beginning the second calendar year after your home purchase.​

    Both your home savings account and tax free savings account (TFSA) are eligible for coverage under the Canada Deposit Insurance Corporation (CDIC) up to certain limits. This protects your savings and ensures your funds are secure while you prepare for home ownership.​

    A qualifying home is usually a new or existing home purchased as your primary residence, where you or your common law partner plan to live. Certain provinces and federal programs set specific eligibility criteria for home’s purchase price, ownership history, and residency status.​

    The federal government offers a non refundable tax credit up to $1,500, and the BC First-Time Home Buyers Program provides a full or partial property transfer tax exemption based on your home’s purchase price. You may also qualify for a new housing rebate (GST/HST rebate) and annual homeowner grants from the provincial housing corporation.​

    The federal government and BC offer programs like down payment assistance, repayable loans, homeowner grants, step by step guides for buyers, and more to help you achieve home ownership. These programs can help you access more money up front and lower costs during the buying process.​

    You start with getting pre-approved, then house hunting, submitting offers, and upon home purchase you’ll complete the closing steps including paying taxes, legal closing costs, and finalizing your mortgage amount. Your eligibility criteria, annual income, and total savings determine your maximum benefit and options at each step.

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    Get Approved For A Loan In As Little As 24 Hours

    Apply Today 778-839-3963