Private mortgages & alternative lending across British Columbia
Flexible Mortgage Solutions
Financing designed around your goals—not rigid lending rules.
Whether you’ve been turned down by your bank, are self-employed, consolidating debt, navigating a separation, or need fast access to your home’s equity, we’ll help you explore financing options designed around your goals—not rigid lending rules.
Experience
British Columbia
Professional
Alternative Lenders
Start with the situation
What problem are you trying to solve?
Most clients do not start by asking for a product. They start with a deadline, a bank decline, a debt problem, a separation, arrears, or a property opportunity. The site is now organized around those real search intents.
Turned down by your bank?
Explore private and alternative options when standard bank policy does not fit.
See options →Self-employed or hard to prove income?
Review financing paths where equity, property strength, and exit strategy matter.
See options →Need to consolidate debt?
Use home equity to simplify payments where the numbers and exit make sense.
See options →Facing tax arrears or CRA pressure?
Look at short-term mortgage funding when timing is urgent and equity supports it.
See options →Need fast bridge financing?
Short-term solutions for timing gaps, purchases, sales, and transitions.
See options →Dealing with arrears or foreclosure risk?
Urgent review when timelines are tight and a clear exit strategy is required.
See options →Not looking for private lending?
Looking for a different type of mortgage?
This site is focused on private mortgages and alternative lending. If you need a standard purchase, refinance, renewal, reverse mortgage, or general mortgage review, start from Jonathon’s main mortgage page.
Solutions for Life’s Financial Challenges
Purchase Refinance Debt Consolidation Bridge Self-Employed And MoreSolutions
Private mortgage options by situation
Choose the solution that matches the file. Each page will be expanded into a full SEO landing page with practical borrower guidance, lender-fit notes, risk factors, and clear next steps.
Private First Mortgages
Equity-based first mortgage lending for files outside institutional guidelines.
View option →Private Second Mortgages
Access equity without disturbing an existing first mortgage where suitable.
View option →Bad Credit Mortgages
Options for missed payments, bruised credit, collections, and bank declines.
View option →Self-Employed Borrowers
Solutions when stated or verified income does not fit bank policy.
View option →Debt Consolidation
Consolidate high-interest debt where equity and exit strategy support the file.
View option →Tax Arrears
Mortgage funding to address CRA arrears or other urgent payout needs.
View option →Bridge Financing
Short-term mortgage financing for timing gaps and transition periods.
View option →Foreclosure Prevention
Urgent private options when arrears or legal timelines require action.
View option →Private Mortgage Guide
A practical guide to costs, risks, use cases, and exit strategy.
View option →Work with a person, not a call centre
Meet Jonathon Adams
Jonathon Adams is a Sub Mortgage Broker of Bayfield Mortgage Inc. with 18+ years of mortgage experience. The focus here is practical: understand the problem, assess the equity, identify the lender fit, and build a realistic exit strategy before recommending a private mortgage.
What clients should expect
Clear numbers. Clear risks. Clear next steps.
No fake promises and no hard-sell private lending pitch. A private mortgage should be reviewed as a short-term tool, with the cost, term, loan-to-value, legal requirements, and exit strategy explained before moving forward.
Learn more about Jonathon →SEO focus
Built around the private mortgage searches that matter.
Flexible Mortgage Solutions is the visible brand. PrivateMortgagesBC.ca, page titles, headings, schema, sitemap, internal links and future location pages will support high-intent searches.
Process
A private mortgage should have a clear exit strategy.
Private lending is usually short-term. The goal is not just to get funded; the goal is to solve the immediate problem and create a realistic path back to a bank, sale, renewal, refinance, or other exit.
- Review the property and equity.Address, estimated value, mortgage balances, taxes, strata, and urgency.
- Assess the problem.Credit, income, arrears, payout needs, timeline, and lender fit.
- Build the exit.Refinance, sale, renewal, debt reduction, income confirmation, or credit repair plan.
- Submit to suitable lenders.Pricing and terms depend on risk, property, LTV, urgency, and documentation.
Rates & fees
Private mortgage pricing is risk-based.
Private mortgage rates and fees are not fixed like standard bank products. Pricing is determined after reviewing the property, equity, requested loan amount, mortgage position, credit profile, income support, urgency, and exit strategy.
Ready to review your options?
Start with the application or book a consultation. The goal is to identify whether private or alternative lending makes sense—and what the exit strategy should be before you commit.