Private mortgage solutions across BC for homeowners who need to move fast — releasing equity, stopping foreclosure, or consolidating debt when traditional lenders can't help in time.
A short-term, equity-based bridge — not a forever mortgage.
Banks and even B-lenders work on credit scores, provable income, and timelines measured in weeks. Private lenders and Mortgage Investment Corporations (MICs) lend primarily against the equity in your property — so when speed or circumstances rule out traditional financing, private lending can bridge the gap.
Private lenders in BC typically lend up to around 75–80% of a property's value (often less for rural or unique homes). Enter your numbers for an estimate — your inputs stay on this page.
Estimate only. Actual LTV depends on the property, location, marketability and lender. Private financing is typically short-term and higher-cost than bank financing; figures here are illustrative and not an offer of credit or a specific rate.
At the selected LTV, after existing secured debt
Equity-based financing for time-sensitive, unconventional, or credit-challenged situations across British Columbia.
Behind on payments, facing a demand letter, or already in the BC court process? A private refinance can clear arrears, pay out the existing lender, and buy you time to stabilize and plan an exit. In BC, foreclosure runs through the courts — which usually leaves a window to act. The earlier you reach out, the more options you have.
Talk through foreclosure options →Release cash from your home in days — for a time-sensitive opportunity, a deposit, a tax bill, or an obligation that can't wait for bank timelines.
Discuss equity takeout →Roll high-interest credit cards and loans into one equity-secured payment to stop the bleed and protect your credit while you reorganize.
Look at consolidating →Buy before you sell. Cover the gap between completing your new purchase and the sale of your current home, including deposit funds for firm closing dates.
Plan a bridge →Equity-based approval when recent tax returns, a young business, or timing don't yet satisfy a bank's income requirements.
Talk options →A recent consumer proposal, collections, or thin credit doesn't have to be the gatekeeper — with private lending, your equity leads the decision.
See what's possible →Pay out CRA debt, property-tax arrears, or liens registered against your property before they escalate into bigger problems.
Clear arrears →Keep the low-rate first mortgage you don't want to break. Access equity with a second behind it instead of paying a costly penalty to refinance.
Explore a second →Raw land, rural or unique homes, mixed-use, or a property mid-renovation — the files banks decline on the property alone.
Discuss the property →Private money is a tool, not a trap. Used well, it solves a short-term problem and sets up the long-term fix. Here's the honest picture so you can decide with clear eyes.
Decisions hinge on your home's equity and marketability far more than your credit score or provable income.
Private mortgages are arranged for a defined period — often 6 to 24 months — as a bridge, not a permanent solution.
Rates and fees are higher than bank financing. The real question is whether the solution is worth the cost versus the alternative.
We map the way out from day one — refinancing into an A- or B-lender once your situation stabilizes.
Most private lenders in BC lend up to roughly 75–80% of a property's value (combined with any existing mortgages), and often less for rural, unique, or hard-to-sell properties. Your usable equity is the property's value at that LTV minus what you already owe.
Often yes. Because foreclosure in British Columbia proceeds through the courts, there is frequently a window during which a private refinance can pay out arrears and the existing lender. Acting early generally gives you the most options.
Private deals can move much faster than bank financing — sometimes within days — because approval centres on equity and the property rather than lengthy income verification. An appraisal and clear title are usually still required.
Yes. Private mortgages carry higher rates and fees than bank or B-lender financing because they're short-term, equity-based, and higher-risk for the lender. They make sense when the cost is outweighed by the problem they solve, and there's a clear exit.
Income documentation is usually lighter than with banks, since the decision is equity-driven. Some lenders still ask for basic confirmation, but provable income is rarely the deciding factor.
The goal is to refinance into a lower-cost A- or B-lender once the issue is resolved — arrears cleared, credit rebuilt, income seasoned, or a sale completed. We map that exit before you sign.
Whether it's a deadline, a default notice, or an opportunity you can't miss, a short confidential conversation is the fastest way to know your options.
Looking for renewals, purchases, or standard refinancing? Visit our full mortgage services for BC & Alberta →
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