One application, many lenders
Lendrite is an independent brokerage. We do not own a lender and no lender owns us, so your application can go to whichever of these fits it: a bank, a credit union, a lender that works only through brokers, or, when a bank's rules do not fit, a lender beyond the big banks.
The lists below are the lenders active in BC that accept broker applications. Programs and rules change often; we confirm the fit with the lender before anything is submitted. Lenders that work direct only, or whose current status we could not confirm, are not listed.
Banks that work with brokers
The big banks and the smaller banks that take broker applications.
| Lender | Known for |
|---|---|
| TD Canada Trust | Full-range residential lending through brokers. |
| Scotiabank | Residential purchases, refinances and renewals. |
| BMO | Residential lending through its broker network. |
| National Bank | All-in-one mortgage and credit line; alternative lending through its Optimum arm. |
| Manulife Bank | Manulife One, a mortgage combined with everyday banking; equity-based lending. |
| Bridgewater Bank | Self-employed owners, newcomers with bank-statement income, investment property. |
| BDC | Business loans and credit for the company behind the property (business lending only). |
BC credit unions
Local lenders with their own view of local property, including construction.
| Lender | Known for |
|---|---|
| Coast Capital Savings | Surrey-based; up to four rental properties plus a home; merged with Prospera in 2026. |
| Tru Cooperative Bank (Envision Financial, Valley First, Island Savings) | Formerly First West; a large share of its mortgages come through brokers. |
| Beem Credit Union | The second-largest credit union in the province and an active construction lender. |
| Coastal Community Credit Union | Vancouver Island and north-central BC. |
| Community Savings Credit Union | Surrey-based, with the Aria Savings division. |
Lenders that work only through brokers
Prime lenders you cannot walk into, because brokers are their branch network.
| Lender | Known for |
|---|---|
| MCAP (with RMG, Merix and Lendwise) | The largest independent lender in Canada; a stated-income route for self-employed owners. |
| First National | Prime lending plus an alternative program for non-traditional income. |
| CMLS Financial | Vancouver-based; residential, commercial and construction; a rental-income program. |
| RFA Mortgage Corporation | Prime lending, with alternative lending through RFA Bank. |
| MCAN Home | Prime plus alternative-income programs. |
| Strive Capital | Prime insured lending plus an equity program with no minimum credit score. |
| Marathon Mortgage | Self-employed owners and newcomers. |
| Radius Financial | A self-employed specialist. |
When a bank's rules do not fit
For income that is real but hard to document, newcomers, rentals and credit that is still recovering.
| Lender | Known for |
|---|---|
| Equitable Bank | Self-employed owners, newcomers, rentals, foreign income; also prime insured lending. |
| Home Trust | Up to 80% of value with no minimum credit score; a credit-rebuild path back to prime. |
| B2B Bank | Self-employed owners up to 80% of value; stated income to 65%. |
| Haventree Bank | Non-traditional income and bruised credit; a mortgage that converts as credit improves. |
| Community Trust | Lower credit or limited documents. |
| National Bank Optimum Mortgage | Alternative lending, including rentals up to 80% of value. |
| RFA Bank of Canada | Self-employed owners, newcomers, credit repair, rentals. |
| WealthONE Bank of Canada | Newcomers, self-employed owners including holding companies, multiple rentals, foreign income. |
Reverse mortgages for owners aged 55 and over: HomeEquity Bank (CHIP), Equitable Bank (PATH Home Plan) and Home Trust (EquityAccess).
Private lenders, for a defined period
Short-term lending with a planned exit back to a bank or credit union, every cost in writing first.
Residential and home equity
Neighbourhood Holdings, Antrim Investments, VWR Capital, PHL Capital, Pacifica MIC, Cambridge MIC, Canguard MIC, AP Capital MIC, First Circle MIC, Armada Mortgage, All Island Equity MIC, Capital Direct, Alpine Credits, Pioneer West, CMI Financial, Shelter Lending.
How private lending works →Construction, development and commercial
Gentai Capital, Peakhill Capital, Timbercreek Financial, Atrium MIC, KV Capital, Builders Capital, Cameron Stephens, Firm Capital, ACM Advisors, Terrapin MIC, Cooper Pacific, Statesman Capital.
How construction financing works →Private lenders are matched to a deal one at a time, on the strength of the property and the exit plan. This page lists who is active in BC, not a recommendation of any one of them.