CALL OR TEXT

mortgage lenders for bad credit history

Mortgage Refinance Rates in BC

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

CALL OR TEXT NOW

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.

Looking for competitive mortgage refinance rates in BC? At Your Equity Mortgage we connect you with private lenders who approve refinancing based on your home equity, not your income or credit score. Get approved fast and access the cash you need.

Why Refinance Your Mortgage?

Refinancing your mortgage can lower your monthly payments and put cash in your pocket. You can consolidate debt, fund home renovations, or cover unexpected expenses. The process lets you tap into your home equity without selling your residential property.

Many homeowners refinance to save money when interest rates drop. Others need to switch from a variable rate mortgage to a fixed rate for more predictable monthly payments. Your reasons matter, and we help you find mortgage solutions that fit your situation — including access to some of the best mortgage refinance rates in your area.

Refinance Mortgage Rates in BC

Mortgage refinance rates depend on several factors. Your loan to value ratio matters. So does your current mortgage balance and the term you choose. Private lenders calculate rates differently than traditional banks or credit unions.

Private mortgage refinance rates typically range higher than bank rates. But approval comes faster and easier. You qualify based on your home’s value and available equity. Your income, credit history, or employment status won’t stop you from getting approved.

Mortgage Refinancing Through Private Lenders

Fast Approval

Get approved in 24 to 48 hours. Private lenders move quickly because they focus on your residential property value, not endless paperwork.

Higher Loan Amounts

Borrow up to 80% of your home’s value. Access more credit than your current lender allows.

Flexible Requirements

Bad credit? Self-employed? No problem. Private lenders work with borrowers that banks turn away.

Debt Consolidation

Combine multiple debts into one monthly payment. Lower your total cost and simplify your budget.

Costs and Fees for Mortgage Refinancing

Refinancing involves several costs beyond the interest rate. Budget for these expenses:

Legal Fees

Your lawyer handles the paperwork and title transfer. Legal costs typically run $800 to $1,950 in BC.

Prepayment Penalties

Breaking your current mortgage early may trigger penalties. These vary by lender and your mortgage type.

Appraisal Fees

Lenders need to confirm your home’s current value. Appraisals cost $300 to $750.

Lender Fees

Private lenders charge processing and administration fees. These typically range from 1% to 3% of your loan amount.

    Get Approved Quick and Easy




    Recent Posts

    Our Mortgage Products

    What Loan Are You Looking For?

    Get approved for an investment property mortgage in BC. Private lenders fund rental property financing based on equity. Fast approvals, flexible terms.

    Read More

    Access your home's equity with a cash out refinance in BC. Private lenders approve based on equity, not credit. Apply today with Your Equity Mortgage.

    Read More

    Get competitive refinance mortgage rates in BC. Private lenders approve based on home equity, not credit. Fast funding available.

    Read More

    Our private lenders will offer you the best loan deals. Get approved based on your home equity, not your income, capital or credit score.

    Read More

    For the self employed, mortgage funding may be hard to come by. Browse our stated income mortgages and get approved fast.

    Read More

    B-Lenders are mortgage funds with rates between banks & private lenders. Get approved for a B-Lender loan today.

    Read More

    Buying a new home before selling your current one? A bridge mortgage loan may be right for you.

    Read More

    Private mortgage lenders can get you approved in 24 hours. Competitive rates and fast approvals.

    Read More

    If you are looking to get a mortgage with bad credit, you are in luck. Apply for a mortgage today.

    Read More

    Fight off foreclosure with a mortgage. Approval in as little as 24 hours, and mortgage financing up to 70% of your home’s market value.

    Read More

    If you own a partial interest in real estate, we have private partial interest mortgage financing options that might work for you.

    Read More

    A second mortgage is commonly used to get additional funds without refinancing your first mortgage. Discover how we can help.

    Read More

    Borrow up to 80% of your homes equity, lower your payments, and improve cash flow.

    Read More

    Learn more about the private mortgage rates for your 1st, 2nd, or 3rd mortgage. Find out today's rates!

    Read More

    Non-resident with ties to Canada? We have options with as little as 25% down payment.

    Read More

    You can "buy out” your spouse from your mortgage if you want to keep a jointly owned property after a separation.

    Read More

    Out of work, self employed or retired? Borrow up to 75% of your equity with a no income verification mortgage.

    Read More

    Find out more about the best alternatives to a reverse mortgage in BC using your home equity. Apply for a mortgage today.

    Read More

    Find alternative options for construction & commercial mortgages.

    Read More

    Looking to refinance a mortgage in BC? Read our complete guide to help you get started with your mortgage refinance process.

    Read More

    A mobile home mortgage in British Columbia can be a tricky thing to find. We'll help you get the best LTV. Apply today!

    Read More
    pylonpylon

    Reliable & Professional

    Rated 5 Stars On Google

    • 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

      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

      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

      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 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

      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

      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
    • 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

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

      Sylvia Mohos
      September 25, 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

      I have worked with Jeff for many years with my mortgage. We went from having to use alternate lenders to getting approved at a major bank with his help.... read more

      Teresa Longworth
      October 1, 2019

      I have had the pleasure of working with Jeff Di Lorenzo as my mortgage broker and have found him to be very capable and knowledgeable, a professional in every way... read more

      Kristin T
      July 24, 2019

      Thanks very much Jeff. You helped us through a challenging process to get the best possible equity offer - which saved us costs and put us in a stronger... read more

      jonathan mann
      June 20, 2019
    • Jeff helped me out a few years ago when we were in a little financial difficulty and he gave us a way out and still own our home. He was... read more

      Donna Tellier
      February 15, 2019

      I have had the pleasure of working with Jeff Di Lorenzo as my mortgage broker and have found him to be very capable and knowledgeable, a professional in every way... read more

      Kristin Thu
      February 10, 2019

      We have worked with Jeff on all our mortgage requirements, he always does the best for us and we have ultimate faith in his ability and knowledge. Would... read more

      Irene Fraser
      February 10, 2019

      My parents needed fast financing to close on a very profitable business opportunity. Jeff put together a private 1st & 2nd home equity loan in just a few days. He... read more

      Rajdeep Singh
      February 10, 2019

      Thanks for making this very easy and helpful Jeff is very good at what he does keep up the good work 5 star sevice 10 star guy thanks jeff

      larry zimmer
      February 10, 2019

      Jeff not only solved all my equity loan issues, he was able to do so quickly, as well as at great terms & rate. Throughout the entire process he... read more

      Restorative Reiki New Westminster
      February 10, 2019

      Jeff is extremely helpful, responsive and transparent in his approach to assisting you with your financial needs. He was always willing to answer question and would present concepts and situations... read more

      Philip le
      January 9, 2019

      I had done the typical thing and approached Alpine Credits and Capital Direct. Both provided approval relatively quickly and I thought the fees associated with the product was "normal". Thank... read more

      collin murray
      February 10, 2018
    • Worked with Steve Nipius now on my mortgage application, and boy did he ever go many extra miles for me. As a small business owner myself, I really appreciate... read more

      Corey Ogilvie
      February 10, 2017

      I have had the pleasure of working with Jeff twice now and my experience has been nothing short of exceptional. Unlike other brokers/banks, Jeff took a genuine interest in... read more

      Kaelan K
      February 10, 2016

      With Jeff's professionalism, we got the loan we needed in no time. He was prompt, informative and helpful. I would recommend him to my friends who would be needing... read more

      Rowena Santos
      February 10, 2016

      Excellent service and excellent advice

      Sol Desmond
      February 10, 2016

      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
      January 1, 1970

      Jeff not only solved all my equity loan issues, he was able to do so quickly, as well as at great terms & rate. Throughout the entire process he... read more

      Restorative Reiki New Westminster
      February 10, 2019

      Jeff is extremely helpful, responsive and transparent in his approach to assisting you with your financial needs. He was always willing to answer question and would present concepts and situations... read more

      Philip le
      January 9, 2019

      I had done the typical thing and approached Alpine Credits and Capital Direct. Both provided approval relatively quickly and I thought the fees associated with the product was "normal". Thank... read more

      collin murray
      February 10, 2018

    Ready to Explore Your Options?

    Contact Your Equity Mortgage today for a free assessment of your mortgage refinancing needs. 

    Apply online or call us seven days a week. We review your situation and provide honest feedback about your refinancing options. If refinancing makes sense, we move fast to get you approved and funded.

    You get personalized advice based on your specific needs. We explain your options clearly. No sales pressure. No confusing jargon.

    CALL OR TEXT NOW

    778-839-3963

    call jeff di lorenzo

    Frequently Asked Questions

    Fixed mortgage rates stay the same throughout your mortgage term. Your monthly payment never changes and you know exactly what you pay each month. This stability helps with budgeting and can be appealing when mortgage refinance rates are expected to rise.

    Variable rate mortgages fluctuate with market changes. Your interest rate changes when the prime rate moves. Variable interest rates can save you money when rates drop but they carry greater risk if rates climb.

    Variable mortgage rates get calculated semi annually or monthly, depending on your lender. Some borrowers prefer variable rate mortgages for short terms, others want the security of fixed rates for a five year fixed term or longer. To learn more about the differences between these refinance mortgage rates in BC, read our full guide here.

    For the best home mortgage refinance rates, compare offers from multiple mortgage lenders. Don’t settle for the first rate quote you receive. Different lenders serve different borrower types.

    Improve your loan to value ratio by paying down your mortgage balance before refinancing. A lower ratio often means better refinance mortgage rates.

    Additionally, consider your mortgage term carefully. Shorter terms usually come with lower rates but longer terms provide payment stability. Match your term to your financial goals.

    Lock in a rate hold if you find good mortgage refinance rates. This protects you if rates rise before your mortgage agreement closes.

    Refinance when you need to consolidate debt and simplify your finances. One monthly payment beats juggling multiple bills.

    Consider refinancing if interest rates have dropped significantly since you got your original mortgage. Even a 1% reduction in your annual percentage rate can save thousands over your mortgage term.

    Refinancing works well for accessing equity to fund home renovations. Upgrading your property increases its value. You improve your home and potentially boost your equity position.

    Don’t refinance just because someone tells you to. Run the numbers and make sure the benefits exceed the costs — compare mortgage refinance rates carefully to ensure it’s worth it.

    BC’s housing market affects refinance rates. Vancouver and Victoria have higher property values than smaller communities. Your location influences your home’s appraised value and your borrowing power.

    The Bank of Canada sets policy rates that influence mortgage rates across Canada. But private lenders set their own rates based on risk and market conditions. BC’s strong housing market generally supports competitive private lending rates.

    Provincial regulations affect mortgage lending in BC. Your mortgage broker navigates these rules and finds lenders who work within BC’s legal framework.

    Refinancing involves several costs beyond the refinance mortgage rates. Budget for legal fees, which typically run $800 to $1,950 in BC. Your lawyer handles the paperwork and title transfer.

    Lenders need to confirm your home’s current value through an appraisal. These cost $300 to $750. Breaking your current mortgage early may trigger prepayment penalties. These vary by lender and your mortgage type.

    Private lenders charge processing and administration fees, typically ranging from 1% to 3% of your loan amount. Some lenders charge additional fees for rate holds, credit checks, or other services. Ask about all costs upfront to understand the total expense of refinancing.

    SimpleTransparentSecure

    Get Approved For A Loan In As Little As 24 Hours

    Apply Today 778-839-3963