Alternative Mortgage Solutions
Home Equity Loans
Unique Borrower Situations
Life Events & Transitions
Challenging Credit Profiles
Special Property Types
Not sure which mortgage is right for you?
Not sure which mortgage is right for you?
Licensed BC Mortgage Broker Serving British Columbia
Jeff Di Lorenzo helps BC homeowners access home equity, navigate bad credit, and find private lending solutions — regardless of where you live in the province.
Where we work
We serve homeowners in every corner of British Columbia — from Metro Vancouver to rural northern communities. Our fully remote process means geography is never a barrier to getting the financing you need.
Metro Vancouver is one of Canada’s most competitive real estate markets, where homeowners frequently need access to equity to manage high-cost mortgages, consolidate debt, or bridge financing gaps the banks won’t touch. We help Vancouver homeowners navigate private lending and second mortgages efficiently.
The Fraser Valley has seen rapid price appreciation, making home equity a valuable resource for homeowners in Abbotsford, Langley, Surrey, Chilliwack, and Mission. Whether you need to refinance, consolidate, or access equity for renovations, we work with lenders familiar with Fraser Valley property values.
Vancouver Island homeowners in Victoria, Nanaimo, Comox, Campbell River, and surrounding communities often face unique lending challenges due to property types and lender coverage gaps. We regularly work with Island homeowners on second mortgages, equity loans, and alternative financing solutions.
The Okanagan’s strong property values give homeowners significant equity to work with. We help Kelowna, Vernon, and Penticton borrowers unlock that equity through private mortgages and home equity loans — particularly useful for self-employed business owners and seasonal income earners common in the region.
Kamloops and the BC Interior present lending opportunities that many major banks overlook. We serve Interior BC homeowners who need debt consolidation, bad credit mortgage solutions, or access to home equity — working with private lenders who understand the Interior’s distinct property markets and income patterns.
Homeowners in Prince George, Fort St. John, Terrace, and smaller BC communities are underserved by major lenders. We work with private mortgage lenders who lend province-wide and evaluate applications based on equity rather than urban market assumptions. Our fully remote process makes Northern BC homeowners just as accessible to us as anyone else.
Every community we serve
We serve homeowners in all of the following BC communities. Don't see your city?
Contact us — if you own property in BC, we can likely help.
Metro Vancouver & Lower Mainland
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Coquitlam
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New Westminster
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North Vancouver
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West Vancouver
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Port Coquitlam
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Port Moody
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Pitt Meadows
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Delta
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White Rock
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Langley (City)
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Langley (District)
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Bowen Island
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Lions Bay
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Anmore
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Belcarra
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Fraser Valley
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Abbotsford
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Chilliwack
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Mission
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Hope
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Harrison Hot Springs
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Kent
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Agassiz
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Sardis
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Vancouver Island & Victoria
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Langford
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Colwood
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Saanich
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Oak Bay
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Esquimalt
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View Royal
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Sooke
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North Cowichan
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Ladysmith
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Qualicum Beach
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Port Alberni
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Courtenay
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Comox
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Cumberland
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Campbell River
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Port Hardy
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Okanagan & Similkameen
Thompson, Nicola & Interior BC
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Chase
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Mission
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Ashcroft
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Cache Creek
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Logan Lake
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Barriere
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Barriere
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Kootenays & Boundary
Cariboo & Central BC
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Williams Lake
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Quesnel
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100 Mile House
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Clinton
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Lillooet
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Barriere
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McBride
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Valemount
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Sea to Sky & Sunshine Coast
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Whistler
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Squamish
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Pemberton
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Gibsons
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Sechelt
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Powell River
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Lillooet
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Bowen Island
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Northern BC
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Prince George
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Prince Rupert
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Terrace
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Kitimat
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Fort St. John
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Dawson Creek
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Fort Nelson
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Smithers
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Houston
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Burns Lake
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Vanderhoof
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Hazelton / New Hazelton
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Stewart
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Mackenzie
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Tumbler Ridge
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Chetwynd
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Don’t see your community? We serve all of British Columbia including unincorporated areas, rural properties, and communities not listed above. Contact us directly.
What we offer province-wide
Available to homeowners throughout British Columbia, including remote and rural areas. Every product below can be arranged entirely by phone, video, and e-signature.
01
Access the equity built up in your BC home as a lump sum. Ideal for debt consolidation, renovations, or major expenses. Private lenders focus on your property value, not your credit score.
02
A second mortgage lets you borrow against your home's equity while keeping your existing first mortgage in place — useful for BC homeowners who have a low-rate first mortgage they don't want to break.
03
Past credit problems don't have to prevent BC homeowners from accessing mortgage financing. We work with private and B-lenders who evaluate your application based on home equity and your overall situation.
04
When banks and credit unions say no, BC private lenders can often say yes. We maintain relationships with private mortgage investors throughout British Columbia who lend on equity-based terms province-wide.
05
Consolidate high-interest credit cards, lines of credit, and loans into a single lower-rate mortgage payment using your BC home's equity. We help homeowners across the province significantly reduce their monthly obligations.
06
BC self-employed homeowners often show low taxable income on paper, making bank approval difficult. Stated income and no-income-verification mortgages let us structure financing around your actual financial situation.
Who we work with
Every mortgage situation is different. Here are the types of borrowers we most commonly help throughout British Columbia.
A lot of BC homeowners have a strong property and a shaky credit history — missed payments during a difficult period, a past consumer proposal, or a discharged bankruptcy. Banks apply a hard cutoff; we don't. We work with private and B-lenders across British Columbia who look at the whole picture: your equity, your current income, and where you're headed — not just where you've been.
Many BC small business owners and contractors write off legitimate business expenses, which reduces the taxable income that banks use to qualify you. Through stated income and alternative mortgage products, we can structure financing around your actual cash flow rather than your line 15000 — a common solution for self-employed homeowners throughout British Columbia.
With BC property values where they are, many homeowners are sitting on significant equity they can use to pay down high-interest credit cards and loans. A home equity loan or second mortgage can consolidate multiple payments into one manageable amount at a much lower rate — without breaking your existing first mortgage or triggering prepayment penalties.
A spousal buyout mortgage in BC requires refinancing the property in one partner's name and paying out the other's equity share. This often means qualifying on a single income — which traditional banks sometimes won't approve. We work with lenders who specialize in separation scenarios and understand the emotional and financial complexity involved in these situations.
How it works
Our process is designed for BC homeowners who need clear answers fast, without unnecessary complexity or office visits.
1
We discuss your situation, your property, and your goals by phone or video. There's no commitment, no credit check to start, and no pressure — just a candid conversation about your options.
2
Based on your BC property, equity, income, and credit profile, we identify which products and lenders are the best fit. We present your options clearly, with rates and terms explained in plain language.
3
Once you choose a product, we handle the lender submission and coordinate with lawyers across BC. Documents are signed electronically. Most files close within one to two weeks of application.
Fully remote, province-wide. We work with BC homeowners by phone, video call, and e-signature. You never need to visit a physical office at any point in the process — whether you’re in Vancouver, Prince George, or anywhere in between.
Your mortgage specialist
Licensed Mortgage Broker — British Columbia
Jeff Di Lorenzo is a licensed BC mortgage broker who has specialized in alternative, private, and equity-based lending solutions since 2010. Over more than a decade helping BC homeowners, Jeff has built deep relationships with private lenders, B-lenders, and mortgage investors who operate province-wide — allowing him to find solutions that major banks consistently miss.
Jeff has helped hundreds of BC homeowners access their equity, consolidate debt, overcome bad credit situations, navigate separations, and secure financing when traditional channels fell through. His focus is on clear advice, realistic options, and closing transactions that actually serve the borrower’s long-term financial health.
Testimonials
500+
BC homeowners helped
15+
Years serving BC
5.0★
Average Google rating
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
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
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
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
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
Jeff found us a mortgage that fit our needs. His communication was on point and easy to work with.
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
Jeff DiLorenzo is my go to for my mortgage needs. He is beyond reliable and always finds me the best solution from lenders. He is very knowledgeable of not only... read more
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!
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
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
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
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
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
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
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
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
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
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
Would highly recommend! Fast, efficient, helpful and available when needed. Thanks again. Two thumbs up!
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
Would highly recommend! Fast, efficient, helpful and available when needed. Thanks again. Two thumbs up!
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
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
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
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
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
Efficient, friendly and responsive service. All of our questions were answered timely and the process was smooth and simple.
Efficient, friendly and responsive service. All of our questions were answered timely and the process was smooth and simple.
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
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
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
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
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
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
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!
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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 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
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
Jeff is amazing to work with !! Always ready to help !
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
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
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
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
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
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
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
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
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
Excellent services! Always available to answer my questions. Very responsive.
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
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
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
Jeff was fantastic to work with, and we highly recommend him.
Common questions
Everything you need to know about working with Your Equity as a homeowner anywhere in British Columbia.
Yes. Your Equity serves homeowners throughout all of British Columbia, not just Metro Vancouver. We work with clients in the Fraser Valley, Vancouver Island, the Okanagan, Northern BC, and rural communities province-wide. Because our entire process can be completed remotely by phone, video call, and e-signature, your location within BC is never a barrier to getting approved.
Yes, many of our clients in British Columbia have had past credit challenges including collections, late payments, consumer proposals, or discharged bankruptcies. As a licensed alternative mortgage broker, we work with private lenders and B-lenders across BC who evaluate your application based on home equity and overall situation rather than credit score alone.
Your Equity serves the entire province of British Columbia, including Metro Vancouver, the Lower Mainland, Fraser Valley, Vancouver Island and Victoria, the Okanagan (Kelowna, Vernon, Penticton), Kamloops, Prince George, Northern BC, and all rural and smaller communities throughout BC. No location within the province is outside our service area.
No. Our process is fully remote and paperless. BC homeowners anywhere in the province can apply by phone or video call, submit documents electronically, and sign mortgage documents digitally. You never need to visit a physical office at any point in the process — this is by design, so that homeowners in Victoria, the Okanagan, or Northern BC have the same access as anyone in Vancouver.
Alternative mortgages in British Columbia are provided by private lenders or B-lenders rather than major chartered banks. They are designed for borrowers who do not qualify under traditional bank criteria due to self-employment income, past credit issues, non-standard property types, or unique financial circumstances. Approval is typically based on the equity in your BC property rather than strict income documentation or credit score requirements.
Yes. Self-employed British Columbia homeowners are one of the most common borrower types we help. Through stated income and no-income-verification mortgage products, we can structure financing based on your actual financial situation rather than traditional T4 or NOA income documentation that banks require. Many BC contractors, business owners, and freelancers qualify through this route when traditional banks won't approve them.
Generally, most home equity loans and second mortgages in British Columbia require at least 20–25% existing equity in your property after the new financing is in place. The exact amount depends on the lender, your property location within BC, and your overall financial picture. Properties in Metro Vancouver and the Okanagan often have more lender options due to their established market values. Contact us for a free consultation to assess your specific situation.
We regularly close mortgages in rural British Columbia within one to two weeks of approval, and in urgent situations we can sometimes move faster. Timeline depends on the lender, property appraisal availability in your BC community, and how quickly documentation can be collected. Our remote process means there is no delay caused by your geographic location — we work with lawyers and appraisers throughout the province.
Ready to get started?
No credit check required to start. No commitment. Just a candid conversation about your mortgage options from a licensed BC broker who’s helped hundreds of homeowners in your situation.
Available across British Columbia. Response within 1 business day. jeff@yourequity.ca
