Compare private, bad credit, self-employed, and debt consolidation options across 30+ BC lenders. Built for the situations banks decline. Free. No credit pull.
Four lender tiers, one platform. We match your file to the right one.
8.99–12.99% on 1st position. Funded by BC MICs and individual lenders when banks won't move fast enough.
Learn moreB-lender and private options for BC homeowners with 550+ beacons, consumer proposals, or bankruptcy history.
Learn moreBank-statement and stated-income programs for incorporated owners who write off heavily or are under 2 years in business.
Learn moreHELOC, 2nd mortgage, and refinance options to swap 22% credit card debt for 7% secured rates.
Learn moreAccess up to 80% LTV. Real options if your bank declined. A-lender, B-lender, and private compared side by side.
Learn moreMore time than most realize. Refinance options if you have equity and need 12 months to restructure.
Learn moreThree steps. No credit pull until you authorize a specific lender submission.
2-minute qualifier covers property type, equity, income source, and goal.
Your situation is compared against current BC private and alt lender criteria.
A BCFSA-licensed mortgage professional who specializes in your situation calls within 1 business day.
Four working calculators, no signup required.
Monthly interest-only payment, lender fees, total 12-month carry, net cash after deductions.
Open calculatorEstimate available BC home equity line of credit and compare to refinance and 2nd mortgage alternatives.
Open calculatorStress-test math, GDS/TDS ratios, BC-specific costs. See max purchase price.
Open calculatorProperty Transfer Tax with first-time buyer + newly built exemptions + foreign buyer additional tax.
Open calculatorNo credit pull. No obligation. A licensed BC mortgage professional calls within 1 business day.
"Two banks said no after my self-employed file didn't show enough on paper. Vantage matched me to a B-lender that actually understands business bank statements. Funded in 3 weeks."
"Needed a bridge mortgage in 10 days for a Vancouver close. The broker Vantage referred me to had three competing private offers within 48 hours. Saved me from losing my deposit."
"Honest about what I could and couldn't qualify for. Didn't try to upsell. Helped me consolidate $42K in credit card debt into a 2nd mortgage — saving over $500/month."
Names and identifying details modified for privacy.
No. Vantage is a free information and comparison platform. You'll only ever pay normal lender fees on a B-lender or private mortgage (typically 1–3% of the loan), or no fee at all on an A-lender deal — and those fees are paid directly to the lender or licensed mortgage professional, never to Vantage.
No. The qualifier on this page collects situational information only and does not pull your credit. A credit pull only happens later, once you've spoken with a licensed mortgage professional and authorized them to submit your application to a specific lender.
No. Vantage is an information and comparison platform. We do not arrange, broker, or negotiate mortgages. Once you're matched, you work directly with a BCFSA-licensed mortgage professional who handles the application, lender shopping, and closing.
Most of the people who use Vantage come to us after a bank decline. B-lenders, credit unions, and private mortgage lenders use very different criteria than the big 5 banks — and a "no" from the bank doesn't mean "no" everywhere.
Yes. Lower Mainland, Vancouver Island, Okanagan, Northern BC, and rural areas. Some lenders only fund in metro markets; we'll point you to the lenders that will look at your specific property and location.
A clean private file closes in 5–10 business days from application to funding, assuming the appraisal comes back cleanly and your file is complete. Banks typically take 3–6 weeks.
2-minute qualifier. No credit pull. No obligation.
Check my options →