• Private Mortgage

    Vancouver Header

What is a Private Mortgage?

Private Mortgages can be a residential, commercial, or construction mortgage. In some cases where credit, income, or the property do not fit well with conventional lenders, private lending can be a good options. Rates are higher than traditional lenders because the risk is higher to the lender. Ideally, private mortgage financing is a short-term solution until we can move the client back into a conventional lender.

We work with private lenders so that we can facilitate private mortgage borrowing for our clients that need it. Our private lenders or MIC’s invest in individual mortgages, with the lender’s interest in the property registered directly on title. Each private lender is sent property and client details and can make a decision on whether to invest on a file by file basis in keeping with each investor’s preferences.

A Private Mortgage can help with:

  • Proof of Income
  • High 1st Mortgage Payout Penalty
  • Renovations
  • Job Loss
  • Bad Credit
  • Foreclosure
  • Bankruptcy
  • Consumer Proposal
  • Debt consolidation Mortgage
  • Second Mortgage consolidates all debt and gives you payment relief.
  • You have a unique property, raw land, second property, or a non-conforming first or second property
  • Large development projects
  • Customized financing

Contact us for more information.

Private Mortgage Rates

Our private mortgage rates are the most competitive mortgage rates in the city. We provide low rate, low fee private mortgages to ensure more money stays in your pocket. See below for our private mortgage rate details.

Residential Mortgage Rates

Residential Purchase & Refinance

  • 1st Mortgage starting at 5.95%
  • 2nd Mortgage starting at 7.49%
  • 3rd Mortgage starting at Inquire for rate
  • Loan-to-value up to 85%
  • Interest only Mortgage
  • Interest Reserve available
  • 1-Year Open Mortgage available
  • $100,000 – $10,000,000

Commercial Mortgage Rates

Commercial Purchase & Refinance

  • 1st Mortgage starting at 7.49%
  • 2nd Mortgage starting at Inquire for rate
  • Loan-to-value up to 80%
  • Interest only Mortgage
  • Interest Reserve available
  • 1-Year Open Mortgage available
  • $100,000 – $50,000,000

Construction Mortgage Rates

Construction Financing

  • 1st Mortgage starting at 7.49%
  • 2nd Mortgage starting at Inquire for rate
  • Up to 80% of total cost (land + construction)
  • Up to 75% on land only (case by case)
  • Can fund entire construction cost
  • Interest only Mortgage
  • Interest Reserve available
  • 12-18 month terms available
  • $100,000 – $50,000,000
  • Customized solutions tailored for all construction projects
  • Single-family, multi-family, duplex, triplex, fourplex, low-rise, mid-rise, high-rise + more

Lending Guidelines

Types Of Mortgages

  • 1st, 2nd and 3rd mortgages
  • NO credit or beacon score requirements.
  • NO debt servicing requirements.
  • NO income verification needed in most cases – Flexible BFS and Stated Income requirements
  • Most residential and commercial properties considered – owner occupied and rental
  • Construction financing available

Lending Guidelines

  • Residential in urban areas – up to 85% LTV
  • Residential in smaller towns – up to 75% LTV
  • Mortgages up to $50,000,000. Large mortgages considered on a case-by-case basis
  • Raw land, mobile homes, acreage properties and small commercial also available
  • Flexible payment and amortization options available including interest only payments
  • We can deal with bankruptcies, collections and judgments for taxes – even foreclosures!

Easy Contact

Email at amit@sandhucapital.ca

Or call 604-706-1000 for more information

Client Testimonial

Sandhu Capital
⭐ ⭐ ⭐ ⭐ ⭐
Amit Sandhu helped me secure multiple private mortgages for my real estate development projects. We’ve never had such a smooth and stress-free process, along with an amazing rate. Definitely one of the top private mortgage brokers in Vancouver, B.C.

Who is Sandhu Capital?

Sandhu Capital is your Vancouver and Lower Mainland Mortgage Brokerage. We are always ready to move forward with you to obtain the mortgage you need with the sharpest mortgage rate available. Whether it’s a fixed rate or variable rate mortgage you are after, we are dedicated to finding the best mortgage rates in Vancouver, including Home Loans, Consolidation Loans, Lines of Credit and more. No matter what you need, our team of Mortgage Specialists will follow through to find the best mortgage product that fits your individual circumstances. Our free online mortgage calculator keeps you informed on how much your mortgage payment will be as well as show how different mortgage rates will affect the mortgage you require. As your Vancouver mortgage broker, Sandhu Capital is committed to clear communication with our clients. We make sure you are informed on all the mortgage options available to you. We call you back within 24 hours to make sure that you have the fastest service available.

We are available in Vancouver, BC and surrounding areas. Sandhu Capital is your Vancouver mortgage specialist. With years of experience in the investment industry we know how to wade through the challenging process of getting a mortgage. We provide smarter options to putting your mortgage in place. We know how important it is to have an experienced professional Mortgage Specialist available to walk through your mortgage experience and stay with you through to the very end. We get you the best possible rate, guaranteed! Call us now so that you can get that mortgage you’ve been waiting for. We already have been working for you, making sure that you will have every option of a mortgage available to you. Sandhu Capital is on call for you!

Save thousands of dollars on your private mortgage when you work with Sandhu Capital.

CONTACT US APPLY ONLINE

Call Now ButtonCall Now