Renewing Your Mortgage

Private Mortgages in British Columbia | Flexible Financing Solutions

As a specialist in private and alternative mortgages—and an active private lender—I provide fast, equity-based financing for homeowners and investors across Vancouver and all of British Columbia, including small towns.

Why Choose a Private Mortgage?

Private mortgages are ideal when traditional lenders say "no." They offer:
✅ Funding in days, not weeks
✅ No income verification, bad credit OK (approval based on property equity)
✅ Flexible terms (open or closed)
✅ Loan amounts from $20,000 to $5M

Common uses:

  • Debt consolidation

  • Business investments

  • Renovations

  • Property purchases

  • Preventing foreclosure

Private Mortgage Solutions

1. Traditional Private Mortgages

  • 1st mortgages from 5.99% | 2nd mortgages from 9.95%

  • No upfront fees – Only an application, credit check, and appraisal required

  • Renewal fees as low as $250 (some lenders charge up to 1.5%)

2. Home Equity Line of Credit (HELOC)

  • Registered as a 1st or 2nd mortgage

  • Access funds on-demand, like a bank LOC

  • No income verification – Just an application and appraisal

3. Home Equity Visa

  • From $100,000 to $500,000 | Rates from 8.99%

  • 1% cashback on purchases

  • Requires business registration + revenue proof (bank statements, invoices)

  • No tax returns needed

4. B-Lender Stated Income Mortgages (Self-Employed)

  • Rates from 5.99% | Minimum 20% down

  • No tax returns – Just business registration + 6–12 months of bank statements

  • Accepts tips, commissions, and cash income

5. Reverse Mortgages

  • For borrowers 55+ (or private reverse mortgages for any age)

  • No income verification – Loan amount based on age + property value

  • No monthly payments required (optional interest-only payments)

  • Up to 40% of property value (private lenders for clients of any age)

6. Partial Interest Mortgages ( Half Interest)

  • Borrow up to 65% of your ownership stake (no co-signer required)

  • Ideal for inheritance buyouts, co-ownership splits, or investment properties

Serving All of BC – Including Small Towns

I’ve successfully arranged private mortgages in:
Prince George, Kamloops, Vernon, Prince Rupert, Ucluelet, Campbell River
Salmon Arm, Merritt, 100 Mile House, Quesnel, Courtenay & more.

Why Work With Me?

  • Same-day approvals in most cases

  • Direct access to private lenders (no middlemen)

  • Transparent terms & competitive rates

Need a private mortgage tailored to your needs. Contact me today for fast, hassle-free financing!