Private mortgage lenders in your city
Local rates, how much you can borrow, the rules that apply where you live, and the neighbourhoods we cover.
Written and reviewed by Asim Ali, Mortgage BrokerUpdated 5 November 2026
Licensed: BCFSA (BC) · RECA (Alberta) · FSRA (Ontario) · check our licences
Where do you need a private mortgage?
Private lenders set different limits in different places. In Metro Vancouver, Toronto, Calgary and Edmonton most will lend to 75% of value on a first mortgage. In smaller cities it is usually 65-70%. Each city page shows the local numbers.
British Columbia
Lower Mainland, Fraser Valley, Vancouver Island and the Interior. Licensed with BCFSA. BC rates and rules.
Alberta
The lowest private rates of the three provinces. Licensed with RECA. Alberta rates and rules.
Ontario
Toronto, the GTA, Ottawa and southwestern Ontario. Regulated by FSRA. Ontario rates and rules.
Don't see your town? We lend anywhere in BC, Alberta and Ontario where a local appraiser can value the property. Tell us where it is.
Tell us three things. A licensed broker calls you today.
No credit check. No ID. No date of birth. We ask what a lender decides on: the property, the equity and the deadline.
- 1Same-day call from Asim Ali or a licensed colleague
- 2A range for rate, fees and APR on the call
- 3Written commitment in 1-2 business days if you go ahead
- 4Nothing to pay until the mortgage funds
Asim Ali, Mortgage Broker
Licensed in BC, Alberta and Ontario · (604) 591-3590