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:
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Debt consolidation
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Business investments
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Renovations
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Property purchases
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Preventing foreclosure
Private Mortgage Solutions
1. Traditional Private Mortgages
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1st mortgages from 5.99% | 2nd mortgages from 9.95%
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No upfront fees – Only an application, credit check, and appraisal required
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Renewal fees as low as $250 (some lenders charge up to 1.5%)
2. Home Equity Line of Credit (HELOC)
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Registered as a 1st or 2nd mortgage
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Access funds on-demand, like a bank LOC
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No income verification – Just an application and appraisal
3. Home Equity Visa
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From $100,000 to $500,000 | Rates from 8.99%
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1% cashback on purchases
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Requires business registration + revenue proof (bank statements, invoices)
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No tax returns needed
4. B-Lender Stated Income Mortgages (Self-Employed)
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Rates from 5.99% | Minimum 20% down
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No tax returns – Just business registration + 6–12 months of bank statements
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Accepts tips, commissions, and cash income
5. Reverse Mortgages
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For borrowers 55+ (or private reverse mortgages for any age)
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No income verification – Loan amount based on age + property value
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No monthly payments required (optional interest-only payments)
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Up to 40% of property value (private lenders for clients of any age)
6. Partial Interest Mortgages ( Half Interest)
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Borrow up to 65% of your ownership stake (no co-signer required)
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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?
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Same-day approvals in most cases
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Direct access to private lenders (no middlemen)
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Transparent terms & competitive rates
Need a private mortgage tailored to your needs. Contact me today for fast, hassle-free financing!