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Home Equity Loans In BC

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

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778-839-3963

pylonpylon

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.

Unlock Your Home Equity in BC Quickly and Easily

We make the process of getting a home equity loan in BC very simple. Unlock up to 75% of your home’s equity with fast approval, competitive rates, and minimal paperwork. Apply now to see your credit limit immediately

Why Private Home Equity Loans Are Your Smart Choice

Leverage your home’s appraised value—even with less-than-perfect credit—to access funds from $30,000 to $2,000,000+.

  • 24-hour approvals on home equity loans in BC
  • Fixed-rate and variable interest rate options
  • No income or credit-score barriers; focus on available equity
  • First, second, or third mortgage solutions
  • Tax-deductible interest paid on home improvements

Fast Quotes in Three Steps

  1. Fill in amount, postal code, and contact
  2. Appraise your home for Market Value
  3. Get approved and receive funds Fast.

Home Equity Loans From BC’s Best Private Lenders

Fastest Approval

Home equity loan in BC approved in 24 hours.

Minimal Documentation:

Stated income accepted; focus on equity.

Flexible Terms

Loan positions from first mortgage to third mortgage.

Transparent Costs:

Full BC Disclosure Statement provided. 

Competitive Rates:

Fixed interest rate or variable rate options

Personalized Service:

Expert guidance and tailored loan solutions from a dedicated mortgage expert.

Introduction & Disclosure

I’m Jeff Di Lorenzo, and my goal is to help you secure the best terms on your home equity loan throughout Vancouver and BC, with transparent support and all required BC provincial disclosures provided.

Important

Home equity loans in BC can carry higher rates and fees compared to standard mortgages. Carefully consider your options and your financial needs. For more details on home equity loans, consult Canada.ca.

Google APR Disclosure

To comply with Google’s policies, the maximum APR for home equity loans is 34%, with a minimum of 7.49%. Loan terms range from 12 months to 40 years (interest-only options available). Actual rates depend on your situation.

Home Equity Loan Examples (Interest-Only Payments)

Mortgage TypeAdvance AmountMonthly PaymentInterest RateTermAPRNet Proceeds
1st Mortgage Low$300,000$1,437.505.75%1 year7.603%$294,790
1st Mortgage High$300,000$1,875.007.5%1 year15.103%$277,540
2nd Mortgage Low$100,000$5756.9%1 year10.210%$97,040
2nd Mortgage High$100,000$1,00012%1 year25.810%$86,540

  • All loans require real estate as collateral.
  • Net proceeds reflect deductions for typical closing costs (legal, appraisal, brokerage, lender, registration, payout penalties, renewal fees).
  • Actual rates and terms vary based on property, location, and borrower profile.

Contact me for a free personal assessment to find the best solution for your needs.

    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 Unlock Your Home’s Value?

    Take the next step to access your equity and see your personalized home equity loan options. Fast approvals and a simple, no-obligation process mean you can get started easily.

    Start by requesting your tailored loan offer—our team will assess your needs, walk you through your options, and guide you every step of the way. Whether you’re looking to consolidate debt, make a large purchase, renovate, or simply unlock the value tied up in your property, our experts make it simple.

    Get your free quote and discover the cash available in your home—no obligation, just clear answers and fast service.

    CALL OR TEXT NOW

    778-839-3963

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    Frequently Asked Questions

    A fixed-rate second mortgage that lets you borrow a lump sum against your home’s equity, repaid over a set period with monthly payments. Interest paid can be tax-deductible for home improvements.

    Up to 75% of your home’s market value, minus your outstanding mortgage balance. Typical limits range from $30,000 to $2M+.

    A HELOC is a revolving line of credit with variable rate; a home equity loan is a one-lump-sum, fixed-rate loan.

    No—our private BC home equity lenders focus on your home’s appraised value over credit scores or income verification.

    Legal fees, appraisal fees, lender fees, broker fees, and registration costs. Total fees vary by loan amount but typically range from $3,000 to $15,000.

    Yes—refinance for lower rates, different terms, or to access additional funds as equity grows.

    A home equity line of credit operates alongside your existing mortgage, allowing you to borrow money up to a maximum amount based on the value of your home and your outstanding balance. Payments are made separately from your first mortgages, and you can use the funds for large purchases, debt consolidation, or personal finance needs.

    Private mortgage lenders review your credit application by evaluating the appraised value of your home, recent sales in your area, your outstanding balance, and your overall financial situation.

    Yes, a reverse mortgage allows a homeowner to use home equity to pay off an existing mortgage, cover other loans, or access cash for home buying and personal finance. There are typically no required monthly payments; the full outstanding balance and interest are paid when you move, sell the home, or the last borrower leaves the property. Repayment periods and fees depend on the financial institution’s policy.

    Home equity lines and second mortgages often offer lower interest rates compared to unsecured loans and credit cards. By consolidating debt into a single loan with a fixed or variable interest rate, you can reduce your overall monthly payment and interest costs.

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    Get Approved For A Loan In As Little As 24 Hours

    Apply Today 778-839-3963