Private Mortgage Lenders In BC
Get the lowest rates with a trusted mortgage broker, not a bank.
Get the lowest rates with a trusted mortgage broker, not a bank.
You can get pre-approved in as little as 24 hours.
Loans ranging from $50,000 to $2,000,000
Great rates and outstanding customer service.
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:
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:
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:
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:
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 RRSPs, RRIFs, 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.
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.
Private Lender
Our Mortgage Products
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 MoreFor the self employed, mortgage funding may be hard to come by. Browse our stated income mortgages and get approved fast.
Read MoreB-Lenders are mortgage funds with rates between banks & private lenders. Get approved for a B-Lender loan today.
Read MoreBuying a new home before selling your current one? A bridge mortgage loan may be right for you.
Read MoreIf you are looking to get a mortgage with bad credit, you are in luck. Apply for a mortgage today.
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jeff was a great help to us finding cash equity financing. would highly recommend him . thank you jeff
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 my situation and making things work was nothing short of amazing. He managed to get everything done in such a short time. If you're looking for a mortgage broker who delivers with unmatched speed and professionalism, look no further. Highly recommended! Thanks for your help, Jeff!
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 seeking a mortgage.
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!
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!
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 a decision I made with confidence and comfort. No financial decision should leave you feeling abused… and Jeff is the antidote to the stress this type of decision can create. I have no Earthly idea why anyone would go elsewhere. Thank you so sincerely, Jeff!
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 working with Jeff again in the future
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 their mortgage renewals "like you did for us" and they can gain insight and trust in your online platform.
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 Highly recommended to all!
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 He goes above and beyond in building trusting long lasting relationships with his clients.
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 on our home, while not having great credit. Jeff was able to help us refinance so we can do the necessary repairs and get us back on the right track financially, a bonus I might add. Jeff has gone above and beyond to make this process comfortable, less stressful while working tirelessly it felt. You can feel the passion Jeff has in helping people like ourselves. We cant thank him enough. Much appreciation Chad and Michelle
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.
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 with him again.
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 and lending and it shows. He is your go to guy for all aspects of lending.
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 gives it to you straight so I knew where I stood each step of the way. He tells you what to expect and communication is quick. You're not waiting days to find out how things are progressing. Negotiating and securing a loan is stressful but dealing with Jeff allowed me to make informed decisions and finally get through the process. Everything worked out basically the way he said it would.
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 the customers. Thank you Jeff and we are very pleased to have you as our advisor to help us out when we really need. I definitely recommend you to my families and friends. Big 5 stars service.
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 for private lender because conventional lenders won’t approve your mortgage, Jeff is the person that will make it happen.
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 equity loan. He gives details and clear instructions and answer all your questions quickly and the process is straight forward. We are happy we got the check on March 28, the little delays in between and along the process were on our side as we were a bit slow in providing the necessary documents otherwise Jeff is very quick all the way. And what I love with this guy is he is very professional in dealing with his clients. I highly recommend to anyone seeking for excellent service like his. Thank you very much Jeff. All the best for your family and your business.
3 words Honest, experienced and professional! Jeff was able to present a great lending option to me, further educating me about Mortgages !
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 Jeff to be very personable and he Instantly understood my wants and acted immediately. Jeff was super prompt answering any questions or concerns I had. He made the process swift and pleasant! I would highly recommend Jeff to anyone seeking a loan or mortgage. Tanilia Robertson
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.
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 be to make our dreams happen. He was professional and understanding. Highly recommend.
Excellent professional service. Quick results. Secured a first mortgage for us in record time., would highly recommend.
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 would definitely look to Jeff for future loans again and would highly recommend him to all my family and friends! Thanks again Jeff!
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 Thanks again Jeff!
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 discussed various options and whether they are suitable for my needs. From that point onwards, he was prompt, responsive, and was available to answer any questions I have. He gave me all the details I need to ensure my application was completed as soon as possible, and made sure I get all the necessary documents and appraisals completed before they were needed, which made the application process quick and smooth. I am very pleased with his service and would not hesitate using him again in the future, and I will definitely be recommending him to my friends and family. Thank you very much for all your help, Jeff! 🙂
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 Jeff for everything you've done for me! I would recommend you to anyone ! Thanks again and keep up the great work!
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 options, he is definitely the person you want to talk to.
Jeff is amazing to work with !! Always ready to help !
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 all communication and made sure I clearly understood every step of the process. I highly recommend Jeff as a mortgage broker.
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 advice, and been helpful even when I chose not to use his service. He was not biased either way. I know it's there if I need it in the future. I trust his advice.
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 advice, and been helpful even when I chose not to use his service. He was not biased either way. I know it's there if I need it in the future. I trust his advice.
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 and a delight to work with. Thanks Jeff!
Excellent services! Always available to answer my questions. Very responsive.
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 in even the most difficult financial circumstances. You and your family would be doing yourself a great favour to bring Jeff on board to get the job done quickly and to your utmost satisfaction.
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 otherwise slipped through our fingers. I hope anyone reading our review will seriously consider seeking the professional assistance of Jeff Di Lorenzo for all your equity and loan needs. We could praise Jeff repeatedly but it wouldn’t be enough. Jeff has twice assisted us in pursuing our dreams. Even in the 11th hour, Jeff pulled out all the stops to get our deal done - something that was far and above anything I would have hoped for or expected. When an unexpected complication arose, Jeff did what he needed to do with ease and grace which made everything get back on track to completion. I will always appreciate Jeff’s professionalism, expertise, knowledge and resourcefulness. I know that the banks would have happily let our dreams die on the vine but Jeff was our first stop this time around for options - based on positive experience of his helping us previously. I implicitly trust Jeff, and although we have only known Jeff on a professional basis, I can say with confidence that he is simply the best. If what you’re needing financially can be done, Jeff will be able to help you do it! Thanks again Jeff!!!
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 Thanks again Jeff!
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 helped me find the mortgage that is best suited to me. Give him a call, and find out how he can help you.
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 Jeff I'm all conversations so you're all the same page because it's the government that may slow you down.
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 anyone looking for a mortgage broker they can trust.
Jeff is wonderful to work with. He is always responsive and possess great ability to secure the best deal for your situation.
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 It's a YES from me. Update: Taking equity out of my home not once, but twice, after a lifestyle of living frugally, doubling down on mortgage payments and paying credit cards off in full every month was quite a blow to my self esteem and ego. With Jeff being so professional, quick, thorough, and somewhat funny, it was easy to let anxiety and shame give way to gratitude for the relief that has allowed me the time and resources I needed to focus in on and adequately address what life was trying to show me. If you resonate with integrity, honesty and easy going vibes with professional results, Jeff's the one you want. Thank you Jeff!
Jeff was fantastic to work with, and we highly recommend him.
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 impressed with the fast, efficient, and professional way he handles our requests. We certainly do recommend contacting Jeff to anyone who might be shopping around for mortgage financing. It’s very reassuring to know that we can contact Jeff because he always makes mortgage financing simple and easy. Thank you, Jeff. Ken & Gaye
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 He's very professional and easy to work with
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 Not only is Jeff an excellent broker, he is personable and sincere, qualities I think make all the difference in business. If you are looking for a really great broker who's easy to work with, I would gladly recommend Jeff Di Lorenzo!
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 position to complete the loan on better terms that uniquely benefited our family. I hope everything will work out with finalizing our loan but even if something comes up that prevents completion, I feel you did your utmost to help represent our best interests. I look forward to working with you again when our mortgage is up for renewal next year. Thank you! Jonathan
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 fast and efficient. My husband and I came back after rebuilding our credit and he has now proven how he can get you back to a "A" Lender in the least stressful, fast and efficient way. He was available to answer any questions and help us along this process even after 5pm and I really appreciate everything he did for my husband and myself. Thanks for everything!!!
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 was a pleasure to work with, taking the time to be kind and to make sure he understood all details so he could find the solution that best fit my circumstances. Once he had several options, he felt the least expensive would be the best fit and, upon review, I agreed. This is someone you can trust to fight for your best interests and never try to upsell to his own advantage. Jeff did more for me than my bank could. Reny Auger
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
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 was very knowledgeable and kept us up to date throughout the process. I would recommend his services to anyone that needs quality home equity loan at a great rate.
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 highly recommend him
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 Not only is Jeff an excellent broker, he is personable and sincere, qualities I think make all the difference in business. If you are looking for a really great broker who's easy to work with, I would gladly recommend Jeff Di Lorenzo!
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 in varied ways until I fully understood. I would have no hesitation recommending Jeff to my friends and family.
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 god I checked in with Jeff at The Mortgage Group. He not only saved me thousands of dollars right off the bat, I've got a plan to refinance in 12 months and will continue to benefit financially from Jeff's guidance. I used to believe that some things were to good to be true. How could a single broker, Jeff Di Lorenzo, save me more than the big business? Well he did, and I'm a believer. Thanks Jeff, I look forward to working with you for all of our future mortgage needs.
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 when another business takes a couple hours out of their busy day to answer all my questions. I sent him like 30 questions, not your usual 5 or 6, and he responded within 24 hours thoroughly and understandably Highly suggested. Had a MUCH better feel with this business than the chartered banks, who kind of seem too big to care about you
Excellent service and excellent advice
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 help with loans.
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 my financial situation and provided unbiased advise even when the best option was potentially with someone else. Jeff has come through when I have needed his help the most and I highly recommend him. Please feel free to contact me with any questions.
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 Not only is Jeff an excellent broker, he is personable and sincere, qualities I think make all the difference in business. If you are looking for a really great broker who's easy to work with, I would gladly recommend Jeff Di Lorenzo!
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 in varied ways until I fully understood. I would have no hesitation recommending Jeff to my friends and family.
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 god I checked in with Jeff at The Mortgage Group. He not only saved me thousands of dollars right off the bat, I've got a plan to refinance in 12 months and will continue to benefit financially from Jeff's guidance. I used to believe that some things were to good to be true. How could a single broker, Jeff Di Lorenzo, save me more than the big business? Well he did, and I'm a believer. Thanks Jeff, I look forward to working with you for all of our future mortgage needs.
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 when another business takes a couple hours out of their busy day to answer all my questions. I sent him like 30 questions, not your usual 5 or 6, and he responded within 24 hours thoroughly and understandably Highly suggested. Had a MUCH better feel with this business than the chartered banks, who kind of seem too big to care about you
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