BC Mortgage Lender Directory
A working reference of B-lenders, MICs, and private mortgage lenders active in British Columbia. Rate ranges and minimum criteria are general — confirm current programs with a licensed BCFSA mortgage professional before you apply. Updated May 2026.
Match the kind of file you have to the lenders most likely to fund it. Then take the qualifier and a licensed mortgage professional will shop your specific file across the matched lender shortlist — saving you from speculative applications that waste credit pulls.
B-lenders (alternative banks and monolines)
Federally regulated, OSFI-supervised. Take applicants who don't fit big-5 bank criteria but have provable income and 20%+ down/equity. All accept BC properties.
| Lender | Min beacon | Rate range | Specialty |
|---|---|---|---|
| Equitable Bank | 550+ | ~6.5–8.5% | Established B-lender — strong on self-employed and new immigrants |
| Home Trust | 550+ | ~6.75–8.5% | Wide product mix — Accelerator (near-prime), Equityline |
| MCAP B-side | 620+ | ~6.75–8.0% | Strong on transitional A-to-B files |
| Strive Capital | 550+ | ~7.0–8.5% | Self-employed and stated-income programs |
| Haventree Bank | 520+ | ~7.5–9.0% | Lowest beacon threshold in the B-lender tier |
| Community Trust | 580+ | ~7.0–8.5% | Alt-A and bank-statement programs |
Lender fees: typically 1% of loan, built into deal. Programs change frequently — confirm with a licensed mortgage professional.
Major BC-active MICs (Mortgage Investment Corporations)
Pooled investor capital lending to BC properties. Generally cheapest tier in private — competitive rates, formal underwriting, want clean files with believable exits.
| MIC | Position | Rate range | BC coverage |
|---|---|---|---|
| Fisgard Capital | 1st, 2nd | ~8.99–11.99% | BC HQ — strong in Victoria, Vancouver Island, Lower Mainland |
| CMI Mortgage Investments | 1st, 2nd | ~9.49–12.99% | National — strong in Lower Mainland and Okanagan |
| Antrim Investments | 1st, 2nd | ~9.49–12.49% | National — preferred urban BC |
| Vault Mortgage | 1st, 2nd | ~9.99–12.99% | BC-focused — flexible on file complexity |
| Romspen Investment | 1st (larger deals) | ~9.99–12.5% | Larger commercial / mixed-use BC deals |
| VWR Capital | 1st, 2nd | ~10.49–13.49% | BC and Alberta — flexible on rural |
Lender fees: typically 1–2% on 1st mortgages, 1.5–3% on 2nds. Most MICs require submissions through a licensed BCFSA mortgage professional, not direct from borrowers.
Individual private lenders
Wealthy individuals who fund private mortgages personally. Rates can be competitive but availability fluctuates with their cash position. Usually accessed through brokers — not publicly listed. Often the most flexible on unusual file types (rural, leasehold, mixed-use).
| Type | Rate range | Strength |
|---|---|---|
| Single-investor 1st position | ~9.99–13.99% | Fast decisions, flexible on file |
| Syndicated private (2–3 investors pooled) | ~10.49–14.49% | Larger loan amounts than single investors |
| Family office / boutique | ~9.49–12.49% | Competitive on clean urban BC files |
Property types each tier accepts
| Property type | A-lender | B-lender | MIC | Individual private |
|---|---|---|---|---|
| Detached, metro Vancouver | ✓ | ✓ | ✓ | ✓ |
| Townhouse, condo (well-traded strata) | ✓ | ✓ | ✓ | ✓ |
| Rural / acreage (under 5 acres) | Limited | ✓ | ✓ | ✓ |
| Rural / acreage (5+ acres) | Rare | Limited | Some | ✓ |
| Leasehold (e.g. Squamish Nation land) | Rare | Limited | Some | ✓ |
| Former grow-op (in title history) | No | Rare | Some | ✓ |
| Mobile / manufactured (on owned land) | Limited | Some | ✓ | ✓ |
| Mobile / manufactured (rented pad) | No | No | Rare | Some |
| Mixed-use commercial/residential | Specialized | Some | ✓ | ✓ |
| Construction completion | No (different product) | Limited | Some | ✓ |
What lenders look at, in order
- LTV (loan-to-value). The single biggest lever. Lower LTV = more lenders bidding = better rate.
- Property type and location. See table above. Metro Vancouver detached is universal; rural mobile on a leased pad is one lender, maybe.
- Income source and provability. T4 > 2-yr self-employed average > bank statements > equity-only.
- Beacon score. Matters at A-lender and B-lender; almost irrelevant at private (equity-based).
- Exit plan (private only). "How do I refinance you out in 12 months?" If you can answer this, you'll get better terms.
See which lenders fit your file
2-minute qualifier matches your situation to the right lender shortlist. No credit pull, no obligation.
Check My OptionsDirectory last reviewed May 2026. Lender programs, rates, and criteria change frequently — this is a working snapshot, not a guarantee of program availability. Confirm current terms with a BCFSA-licensed mortgage professional. Vantage does not endorse or recommend any specific lender; we list them as a reference for borrowers researching BC mortgage options.