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Private Lenders In BC

Get the lowest mortgage rates with trusted private lenders, not banks.

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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.

Private Lenders In BC With The Lowest Rates 

Get approved by trusted private lenders in BC who offer the lowest mortgage rates outside traditional banks. Our private mortgage lenders provide quick approvals—sometimes within 24 hours—with flexible terms tailored to your unique needs.

Why Choose Private Lenders?

  • Flexible Qualification: No rigid bank rules; your home’s equity matters most.
  • Fast Approvals: Loans approved in as little as 24 hours.
  • Multiple Mortgage Types: 1st, 2nd, and 3rd mortgages available.
  • Wide Application Use: Debt consolidation, renovations, buying a new home before selling your old one, business capital, education, vacation loans, and more.
  • Low Rate Options: Great rates for homeowners and real estate investors with high equity in major BC centers.
  • Credit & Income Friendly: Credit scores and income issues are often not barriers.

How To Get Approved

Private mortgage lenders in BC focus primarily on your home’s equity, not your credit or income. 

Typically, you can borrow:

  • Up to 75% of the home value in major cities
  • Smaller towns usually see loan-to-value ratios around 50%-65%

Approval times: As fast as 24 hours for basic applications. Interested in finding out what type of loan you can qualify for? Get in touch with us today.

Private Mortgage Terms & Process

  • Most private mortgage loans are short term (1-2 years).
  • We match you with the best lender based on your situation and financial goals.
  • We evaluate:
    • Your down payment and affordability
    • Desired loan amount
    • Monthly payment ability
    • Income and credit documentation
    • Duration of financing needs
    • Market rates and lender offers
  • Our founder’s strong relationships with private lenders ensure you get the best possible deal.

Give us a call today or apply through our contact form and we will call you back right away.

Specialized Lending Solutions

Documents You’ll Need

  • Mortgage Application
  • Credit Score (if available)
  • Current Mortgage Statements (1st & 2nd)
  • Property Appraisal
  • Property Tax Proof
  • Strata Documents (if applicable)
  • Foreclosure or CRA Judgment Documents (if applicable)

Private mortgage lenders in BC focus primarily on your home’s equity, not your credit or income. 

Typically, you can borrow:

  • Up to 75% of the home value in major cities
  • Smaller towns usually see loan-to-value ratios around 50%-65%

Approval times: As fast as 24 hours for basic applications. Interested in finding out what type of loan you can qualify for? Get in touch with us today.

  • Most private mortgage loans are short term (1-2 years).
  • We match you with the best lender based on your situation and financial goals.
  • We evaluate:
    • Your down payment and affordability
    • Desired loan amount
    • Monthly payment ability
    • Income and credit documentation
    • Duration of financing needs
    • Market rates and lender offers
    • Our founder’s strong relationships with private lenders ensure you get the best possible deal.
  •  

Give us a call today or apply through our contact form and we will call you back right away.

  • Mortgage Application
  • Credit Score (if available)
  • Current Mortgage Statements (1st & 2nd)
  • Property Appraisal
  • Property Tax Proof
  • Strata Documents (if applicable)
  • Foreclosure or CRA Judgment Documents (if applicable)

    Get Approved Quick and Easy




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    FAQs

    Private lenders take a flexible, practical approach that focuses primarily on your home equity rather than strict credit or income requirements. In BC, private mortgage lenders understand that not every borrower fits conventional lending criteria and often approve loans within 24 hours, offering tailored solutions especially for those facing challenges qualifying with traditional banks.

    Private lenders offer first, second, and third mortgages for debt consolidation, renovations, business capital, self-employed income, and more. They also finance unique properties like raw land, mobile homes, acreage, and farms. Additionally, some private mortgage lenders in BC operate through Investment Corporations, allowing investors to participate in diversified mortgage pools regulated under Canadian tax laws.

    Yes, individual private lenders, often business people or retirees with mortgage and real estate knowledge, provide flexible lending. They offer alternatives to traditional financing tailored to your needs, especially if you require quick or unconventional mortgage solutions in BC.

    Private lenders in BC provide half interest mortgages, allowing borrowers to mortgage their share of a jointly owned property. These can be structured as first, second, or third mortgages, typically lending up to 50% of your ownership interest.

    Yes, private mortgage lenders in BC offer refinancing solutions for homeowners facing foreclosure, providing vital financial relief and helping navigate complex situations with expert guidance.

    Private mortgage lenders evaluate the full value of acreage, farm, or ALR properties—including outbuildings and additional revenue sources—unlike traditional lenders who may focus narrowly on the home and limited acreage. This holistic approach benefits rural property owners seeking financing in BC.

    Private lenders in BC often finance raw land, especially when improvements like buildings or utilities are planned. These loans typically carry higher interest rates but enable land development and investment beyond traditional lender criteria.

    Yes, some private lenders in BC provide mortgage financing for native leased land, which is reserve land leased under long-term agreements with the federal government. These loans respect the unique lease structure and legal framework governing such lands.

    Private lenders in BC offer mortgages for mobile homes on leased pads or owned land, helping borrowers unable to meet strict credit union or bank guidelines find tailored financing solutions.

    Typically, private lenders limit loan-to-value ratios on raw land to about 50%, financing residential, commercial, and farm land parcels up to five acres, with variations based on location and property type.

    Private lenders prioritize substantial equity and income generation from the commercial property rather than borrower credit scores. They often lend on smaller commercial loans, multi-use buildings, owner-occupied businesses, raw land intended for development, and properties in smaller centers underserved by banks.

    Private mortgage lenders in BC often approve loans within 24 hours for straightforward cases, delivering much faster funding than traditional lenders.

    Reputable private lenders require clear exit strategies like refinancing or property sale and focus on strong collateral, working through professional brokers to ensure fair and transparent lending.

    Condtions apply due to the foreign buyer ban.

    Mortgage brokers specialize in connecting borrowers with the right private lenders and alternative lenders in Canada. They help those with credit challenges, non-traditional income, or bad credit gain access to private loans by assessing financial situations and recommending suitable private mortgage options. This often results in a faster approval process compared to traditional mortgage lenders and financial institutions.

    Most private lenders focus more on the property value and a solid exit strategy than a borrower’s credit history or detailed credit checks. Unlike traditional financial institutions that rely on strict credit scores and bank account history, private lenders offer flexible loan terms like interest-only loans, making them a viable short term solution for borrowers with low credit or non-traditional income.

    Borrowers choosing private mortgage financing should anticipate origination fees, legal costs, and potentially higher interest rates than those charged by most lenders from traditional financial institutions. These costs are typically outlined clearly in the mortgage contract. Despite these fees, private lenders offer competitive interest rates and flexible mortgage payments that accommodate borrowers’ financial needs.

    Mortgage investment corporations (MICs) pool investor funds to provide mortgage-based investments, enabling private lenders to offer a wider range of mortgage options. MICs allow borrowers to access competitive interest rates and repayment plans that often include interest-only payments. Many private lenders collaborate with MICs to serve borrowers who may be overlooked by traditional financial institutions, offering alternative lending solutions with flexible loan terms. Investment Corporations in BC and Alberta specialize in first and second mortgage lending, primarily residential. They comply with Section 130.1 of the Canadian Income Tax Act, making them eligible for RRSP, RRIF, DPSP, and RESP investments. Buying shares in these corporations allows investors to access a secure, diversified pool of mortgages managed by private lenders.

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    Rated 5 Stars On Google From 45+ Reviews

    • 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

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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

      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

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      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

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      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

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      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!

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      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

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      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

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      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

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      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.

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      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

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      January 10, 2023

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

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      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

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      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

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      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

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      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

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      June 10, 2022

      Jeff is amazing to work with !! Always ready to help !

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      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

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      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

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      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

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      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

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      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

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      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

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      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

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      February 10, 2022

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

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      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

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      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

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