Private Mortgage

Private Mortgage Loan in BC

Fast, Flexible Financing When Traditional Lending Falls Short

At Sandhu Capital, we specialize in arranging private mortgages across Surrey, Vancouver, and the Lower Mainland. Private mortgage lending provides a flexible alternative to traditional bank financing, offering fast approvals, minimal documentation, and tailored solutions for a wide variety of real estate needs.

Whether you’re purchasing a home, refinancing a commercial property, or seeking short-term funding for a development, private mortgage solutions can help you move forward, on your terms.

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What is a Private Mortgage?

A private mortgage is a loan secured by real estate, provided by private individuals or mortgage investment corporations (MICs), rather than banks or credit unions. These loans are based primarily on the equity in the property, not just your credit or income.

Private mortgages are typically short-term (6–24 months), interest-only, and used as interim financing when conventional lending is not available or feasible. They are ideal for borrowers who:

• Have poor or limited credit history

• Are self-employed or have non-traditional income

• Need fast closing timelines

• Own non-conforming or complex properties

• Are looking to consolidate debt or avoid foreclosure

Types of Private Mortgages We Offer

At Sandhu Capital, we arrange private financing for a wide range of property types and borrower scenarios. Below are the key private mortgage services we provide:

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1. Private Residential Mortgages

Designed for homeowners or buyers who need flexible financing outside the box of traditional lenders. We work with clients who are:

• Purchasing primary or rental homes

• Refinancing to access home equity

• Facing mortgage arrears or foreclosure

• Rebuilding credit after financial hardship

Private residential mortgages offer a quick and reliable solution—secured against the property and often approved within days.

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2. Private Commercial Mortgages

These are tailored for business owners, investors, or developers acquiring or refinancing commercial and income-generating properties. We arrange financing for:

• Retail buildings, warehouses, and offices

• Mixed-use properties

• Multi-family residential buildings

• Hospitality and service-based businesses

• Complex borrower structures (corporations, LPs, JVs)

We understand commercial financing complexities and structure deals that work for both the lender and the borrower.

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3. Private Construction Mortgages

For builders and developers, we provide progress-draw construction loans with flexible structures and customized funding schedules. Whether you’re building a single-family home or a large multi-unit development, we can help finance:

• Residential new builds

• Townhome communities

• Apartment complexes

• Custom homes

• Renovation or rebuild projects

Our team works closely with lenders, appraisers, and quantity surveyors to ensure funds are released on time as construction milestones are met.

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4. Private Land Loans

Land financing can be challenging through traditional lenders due to lack of income generation. Private land mortgages are ideal for:

• Raw land acquisitions

• Holding property for future development

• Land assemblies and rezoning applications

• Agricultural and rural parcels

We arrange short-term land loans secured by the property, giving you the time needed to execute your development or exit strategy.

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5. Private Bridge Loans

Bridge financing offers a temporary solution when you need capital quickly between two real estate transactions. Common uses include:

• Buying a new home before selling your current one

• Accessing equity during refinancing delays

• Funding time-sensitive investments

• Solving short-term liquidity gaps

Private bridge loans are fast, flexible, and designed to help you seize opportunities without unnecessary delays.

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Why Choose Sandhu Capital for Private Mortgages?

• Fast Approvals & Funding — Often within 24–72 hours
• Access to a Vast Network of Private Lenders Across B.C.
• Tailored Financing Structures for Unique Situations
• Transparent Terms, No Surprises
• Expertise Across All Property Types

We handle every step. From application to appraisal to funding, ensuring a smooth and professional experience from beginning to end.