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FAST, FLEXIBLE MORTGAGE APPROVALS

No Income Loans BC, Canada
(When Banks Want Pay Stubs You Cannot Provide)

Short-term private financing, fast approvals, and real solutions for complex situations. No credit score requirements.

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Trusted by BC Homeowners

5.0 Rated on Google

Licensed BC Mortgage Brokers

Transparent Fees

Exit Strategy Focused

Fast Approvals

Private Lender Network

Local Market BC Expertise

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.

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A smarter alternative to payday loans

No Proof of Income. Real Equity. Real Options.

Banks and credit unions put proof of income first, before anything else. No pay stubs, no employment letter, no loan. That process works for salaried employees and fails almost everyone else: the self-employed, retirees, investors living off assets, and those drawing government benefits, disability benefits, Canada Child Benefit, or EI payments as their primary income source.

At Your Equity Mortgage, we arrange no income loans in BC, Canada through private lenders who use an equity-based approach to underwriting. Your credit score, credit report, and employment history matter less than the value behind the file.

Can you get a mortgage with no proof of income in BC? Yes. And we will show you exactly how.

    Get Approved Quick and Easy



    Your Equity MortgageNo Income Mortgage

    Real terms. Predictable payments

    This Is Not a Payday Loan

    No income proof loans through private lenders are property-secured mortgages. That is a fundamentally different product from payday loans, cash advance products, car title loans, auto title loans, or pawn shop loans, all of which carry high-interest rates, tiny loan amounts, and repayment timelines that accelerate high-interest debt rather than resolve it.

    No income loans give you access to meaningful funds at secured lending rates, with a structured loan agreement, predictable monthly payments, and a real repayment plan. If you are wondering, can you get a mortgage with no proof of income, these types of no income loans offer a legitimate, property-backed solution. Payday lenders use instant bank verification and direct deposit as their only qualifiers. We use your equity.

    Here is how the options stack up:

    Loan Type Secured? Income Needed? Best For
    No income verification mortgage Yes, property No Homeowners with equity, no traditional employment
    Home equity loan Yes, existing home Minimal Access money from property you already own
    Stated income mortgage Yes Self-declared Self-employed with bank statements
    Unsecured loans / personal loans No Yes Small amounts, good credit score required
    Car title loans / auto title loans Yes, vehicle No Short-term only, very high interest rates
    Payday loans No Direct deposit Emergency cash, not a mortgage product
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    Borrower Profiles

    Who This Is For

    Self-employed borrowers with consistent income but no pay stubs or traditional employment verification to show to most lenders

    Borrowers on government assistance, government benefits, government subsidies, disability benefits, or EI payments

    Retirees drawing from a registered retirement savings plan, pension, or investment income

    Investors whose debt-to-income ratio disqualifies them from traditional banks despite strong asset value

    Homeowners with bad credit, a thin credit history, or existing debts they need to consolidate into one manageable monthly payment

    Anyone who has already been declined by traditional banks, credit unions, or multiple lenders and needs an equity-based path forward, such as no income loans

    Step-By-Step Overview

    How it Works

    Step-By-Step Overview

    How it Works

    STEP 1

    Review your file

    We look at your property value, financial situation, existing debts, and what no income loan options in Canada are realistic for your loan amount. No credit check at this stage.

    STEP 2

    Match your product

    We compare no income proof loans, home equity loans, second mortgages, and stated income mortgages across our private lender network. Bank statements, government benefit letters, direct deposit history, and Registered Retirement Savings Plan (RRSP) records all help build your file even without pay stubs.

    STEP 3

    Review terms honestly

    We walk through interest rates, loan amount, origination fees, additional fees, and monthly payments before you sign anything. If the numbers do not support your financial health or a realistic repayment plan, we will tell you.

    STEP 4

    Close and plan the exit

    Most borrowers use a short-term no income verification mortgage as a bridge to rebuild their credit score, establish consistent income documentation, and qualify with B-lenders  or traditional banks. We build that transition into the plan from day one.

    Our Mortgage Products

    What Loan Are You Looking For?

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

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    Get approved for bankruptcy loans in BC. Private lenders use home equity, not credit, to offer fast funding while you rebuild credit. Apply today!

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    First-time homebuyers in BC: Get approved based on equity, not credit. Fast funding across Vancouver and BC.

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    Get approved for investment property mortgages in BC. Equity-based funding, fast and flexible.

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    Cash-out refinance in BC: Approved based on equity, not credit. Apply today.

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

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    Get flexible financing with private lenders and enjoy lower initial rates that adjust with the market.

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

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

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

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

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

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    Reliable & Professional

    Rated 5 Stars On Google From 45+ Reviews

    • 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

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      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

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      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

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      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

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      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.

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      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

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      August 5, 2025

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      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!

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      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

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      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
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      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

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      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

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      November 25, 2024
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      September 22, 2024

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      June 25, 2024
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      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

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      November 24, 2023
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      March 23, 2023

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      February 9, 2023
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      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

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      February 10, 2022
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      February 10, 2021

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      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

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      February 10, 2020

    Simple / Transparent / Secure

    Ready to Talk?

    No income loans in BC, Canada are most readily available through private lenders. If you have equity and a clear financial need, book a call today. We are available 7 days a week, including for same-day funding requests.

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    Frequently Asked Questions

    Yes. A no income verification mortgage in BC is available through private lenders who approve based on property equity rather than pay stubs or an employment letter. Most lenders at banks and credit unions will decline without employment income documentation, but private lenders evaluate the deal differently. This is where Your Equity Mortgage can help with no income loans.

    The key difference is security. No income loans through private lenders are property-secured, with structured monthly payments and a clear loan agreement. Payday loans and payday lenders offer small, short-term cash loans at very high interest rates with no security. If you own property with equity, a no income verification mortgage is almost always the better financial decision.

    Yes, in some cases. Private lenders are more flexible than traditional banks about what counts as consistent income. Employment insurance, EI payments, disability benefits, Canada Child Benefit, government assistance, and government subsidies can all be considered alongside your bank statements and credit report when private lenders assess your file.

    It can, but it is not the deciding factor. Private lenders focus on your property equity and the overall financial situation first. A bad credit score or limited credit history is not an automatic disqualifier the way it is with traditional banks or most lenders using conventional underwriting. That said, a good credit score does help with interest rates and loan terms.

    Depending on your situation, private lenders may accept bank statements, instant bank verification records, direct deposit history, government benefit letters, Canada Child Benefit statements, registered retirement savings plan documentation, or a summary of non-traditional income sources in place of traditional employment verification. We guide you through exactly what to prepare.

    Private no income loans carry higher interest rates than traditional bank mortgages because they represent higher risk for lenders. Rates vary depending on your credit score, loan amount, property equity, and the lender. We are transparent about interest rates, origination fees, additional fees, and monthly payments before you commit to a loan agreement.

    They overlap but are not identical. Unemployed loans typically refer to short-term options, including payday loans or employment insurance-backed loans, for people between jobs. No income verification mortgages are specifically for borrowers who have assets and equity but cannot satisfy traditional employment verification requirements, regardless of their employment status.

    The main risk is taking on debt without a realistic repayment plan. If your monthly payments exceed what you can consistently cover, securing the loan against your home creates serious financial stability concerns. At Your Equity Mortgage, we review your existing debts, financial habits, and forward income plan before recommending any no income loans, because borrowing responsibly is not just a phrase we use.

    A stated income mortgage allows self-employed borrowers to declare their income without traditional pay stubs, usually supported by bank statements and business records. A no income verification mortgage goes further and does not require income declaration at all, relying fully on equity. Both are available through private lenders in BC, and the right choice depends on what you can document and how much equity you have.

    Apply Today 778-839-3963