alternative mortgage solutions

Private Mortgage Lenders In BC

Get the lowest rates with a trusted mortgage broker, not a bank.


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 Mortgage Lenders In BC With Lowest Rates

Our top-rated private mortgage lenders understand that not all applications fit into the traditional lenders’ rigid guidelines. That’s why if you apply for a mortgage loan in BC, we take a common sense approach to getting you approved.

With approvals in as little as 24 hours, our lenders provide 1st, 2nd & 3rd mortgages for:

  • Debt consolidation
  • Home renovations
  • Self employed income
  • Outstanding taxes
  • Buying a new home before selling your old one 
  • Education
  • Business capital
  • Vacation loans 

We have some of the lowest rate options for high equity loan-to-value homeowners and real estate investors in major centers.

Private mortgage lenders in BC are the simplest type of lenders to qualify under. 

With your home’s equity being the largest consideration in accepting an application, we can get you approved in as little as 24 hours. 

If you are interested in finding out what type of loan you can qualify for, get in touch with us today.

Private lenders in BC will lend up to 75%, and in some cases 85%, of the home’s value in major cities. In smaller populations the loan-to-value ratio will be less, usually 50% to 65%. 

Want to hear the best part? Unlike conventional loans, the borrower’s credit score or income situation does not matter when calculating the loan amount.

Yes, we know that traditional mortgage lenders can take ages to approve a loan. With our private mortgage lenders, approvals can take as little as 24 hours for basic applications. 

Give us a call today! We can even assist you through this process over the phone. 

Or you can apply through our contact form and we will call you back right away.

Private Mortgage Best Rate Options for LTV ratio under 65% in major centers. 

Conditions apply so call for details.

Private mortgage lenders in BC vary greatly in the types of terms and conditions they offer. As a result, these types of loans require more considerations than just the rate of interest. 

Most private home equity loans are required for a short period of time, such as one or two years. Our promise to you is to match you with the right lender for your current situation, under the best monthly payment rates and terms.

As your mortgage broker we will walk you through the following steps:

  • Independent review of your personal situation including your home’s purchase price
  • How much down payment you’re willing to pay and whether you can afford a higher interest rate
  • The loan amount that you need
  • Assessment of your needs and wishes like monthly mortgage payments you can afford to pay
  • Verified and stated income documentation
  • Estimated time you require financing
  • Market evaluation of lending institutions (to determine rates and terms that best suits your needs)
  • Determine if direct or indirect loan is best for you
  • We review the different offers for you 
  • A complete review of your income and credit situation to help guide you for improvement

Unlike traditional mortgage lenders, we take a unique approach to equity financing. 

After many years of pushing volume business for a lending firm, our founder Jeff switched his focus to client care. In all these years he has developed valuable relationships with both individual private lenders in BC and large lending institutions. 

These groups are willing to work with him and his clients to match the best products and services for each individual file. 

Together, our goal is to achieve the greatest outcome for your financial well being.

On 1 January 2023, Canada imposed a ban on all non-residents. As a result, it has become more challenging for those not born in the country to obtain access to property here. However, despite this major change, vacation homes, mobile homes, and recreational properties such as cabins or cottages are exempt from the ban on foreign buyers and can be bought and enjoyed by non-residents.

At the same time, certain categories of non-residents such as international students and foreign workers that have been present in Canada for a certain number of years, as well as those with temporary resident status, may also purchase one residential property — as long as they intend to become permanent residents. 

Also, refugee claimants, diplomats, consular staff and members of international organizations living in Canada can continue to buy properties without further restrictions. 

If you are a non-resident interested in buying property in Canada, contact us right away and we’ll explore your options together.

Here is a short list of information you may need to be qualified for private mortgage lenders:

  • Mortgage Application
  • Credit Score
  • 1st Mortgage Statement
  • Appraisal
  • 2nd Mortgage Statement (if applicable)
  • Proof of Property Taxes owed/paid
  • If strata 1 year AGM & 1-year Strata Min and a copy of the home’s fire insurance policy
  • Foreclosure copies of any documents if the CRA judgment is a copy of documents.

If you have any questions please call, and we can easily assess your current situation.

Our Private Mortgage Lenders in BC Can Help You With:

  • Proof of Income issues
  • High 1st Mortgage Payout Penalty
  • Renovations
  • Job Loss
  • Bad Credit
  • Foreclosure
  • Bankruptcy
  • Consumer Proposal
  • Debt consolidation Mortgage
  • Second Mortgages to consolidate all debt and get payment relief.
  • Great financing solutions for unique properties like raw land, second properties or any non-conforming first or second property.

Investment Corporation is an investment and lending company designed specifically for First & Second mortgage lending (primarily residential mortgage lending) in Canada.

These Investment Corporations are governed by the tax regulations of Section 130.1 of the Income Tax Act of Canada. Therefore are eligible for RRSPsRRIFs, DPSPs, or RESPs investing. Private Lender’s shares in an Investment Corporation enables you to invest in a diversified and secured pool of mortgages.

An individual lender can be anyone who understands mortgages, real estate and has enough funds to lend. 

Lenders are usually business people or retirees looking to yield a higher rate of return on their savings.

If you want to have a good idea about our individual lenders in BC, apply now

There is no obligation. Get a free quote, fast!

Do you own a property with another family member? Wondering whether you can borrow on your half of a home?

Half interest mortgages are defined as a mortgage on your half of the interest, in a joint ownership. A Half Interest Mortgage can be in 1st, 2nd and even 3rd possession. Private mortgage lenders in BC usually lend up to only 50% of your half Interest. 

If you’re a homeowner  who would like to find out more about borrowing against your half of a home, call us today.

With our private mortgage lenders, foreclosure mortgage financing is made available. 

The fact that good people can get caught in tough situations, can be just as overwhelming as the foreclosure itself. Foreclosure financing can be complex, and finding the right mortgage broker to help you is very important. 

Contact us right away if you are looking for a private mortgage lender in BC, and let’s navigate these difficult times together.

What will private mortgage lenders consider that traditional lenders might not?

Unlike most conventional loans, for private loans, the size and location of a property matter. Private mortgage lenders look at the entire value of the acreage while banks will often only consider the appraised value of the house and 5 acres. 

Private lenders have a wider scope when assessing your property. They might look at the value of the house and 10 acres, the value of outbuildings, if a certain part of the land receives additional revenues, etc. 

Call to speak with one of our financial experts in BC and lets discuss your mortgage options.

Planning on adding improvements to the raw land like buildings, running power, septic, or a mobile home? Our private lenders in BC are more willing to finance.

Higher rates of interest can be charged though on your private raw land mortgage.

Native leased land is located on a reserve which is owned by Her Majesty the Queen in Right of Canada. The land has been set aside as Reserve Land under the Indian Act of Canada. Certain band members (called “Locates”) had possession of these lands and requested that the Federal Government enter into 99-year leases with Developers, for the benefit of the various Locates. 

Essentially, the band member agreed to suspend his or her use and occupation of the land for the 99-year period of the lease. All in return for payment of the prepaid rent for the term of the lease. 

Each lease is a direct contractual agreement between the Federal Government and the developer. There are no other parties to the lease.

Mobile home mortgage loans can sometimes be a little tricky to find financing for. Local Credit Unions have some programs for these but what if your mobile home or property doesn’t fit into their lending guidelines? What are your options?

Our private mortgage lenders will lend on some mobile homes on rental pads, leased land and your own land. 

Check with our lenders to find out what information will be needed for approval.

  • Maximum LTV 50%
  • Major Cities & Towns
  • Residential or Commercial
  • Farms 5 acres of land used in appraisal

Private commercial mortgage lenders are not driven by the credit of the borrower. It is essential that the collateral property have substantial equity and/or generate sufficient income.

Income producing buildings are popular for commercial private mortgage lenders. Funds are available for residential apartment complexes.

The pricing of commercial mortgages varies based on each property and borrower’s unique situation. That’s why it is impossible to quote rates and fees without a thorough understanding of the property and covenant involved in the transaction.

  • Smaller Mortgages – $100,000.00 and up
  • Multi use buildings like retail & apartment mix
  • Owner Occupied Commercial Businesses
  • Raw Land (LTV Limited)
  • Land being developed for Commercial use
  • Smaller centres not normally serviced by the banks
  • Standard loan application
  • Personal on all applications
  • Corporate only on incorporate companies
  • Net worth statements of all parties
  • Income verification via tax returns
  • Corporate financial statements
  • 2 Years T1
  • Purchase agreements
  • MLS information sheet (if MLS sale)
  • Estimate of the finished value of the project
  • Satisfactory level 1 environmental assessment
  • Copy of strata documents
  • Current full appraisal as is
  • Estimated full appraisal upon completion

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    Reliable & Professional

    Rated 5 Stars On Google From 45+ Reviews

    • 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

      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 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 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 Vallis
      April 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 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

      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

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

      kin man cheng
      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

      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

      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

      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 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.

      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

      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

      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


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