Equity Lending

“Equity lending? But they don’t qualify income-wise…”

Simple answer: that’s exactly why we exist.

We hear it all the time from brokers. The frustration, the “what now?” moment when your client has tons of equity but can’t check the income or credit boxes that banks and credit unions demand. But here’s the thing: equity tells a story that a T4 slip never will. And we’re fluent in that language.

Why Us?

So why would you send us your equity lending deals? Because we underwrite the person AND the property, we move fast, and we actually want these files. Let me break it down.

1. We Actually Want These Deals: While other MICs are chasing the vanilla deals in Vancouver, we’re actively looking for the equity-rich clients that banks won’t touch. Self-employed with lumpy income? Retired with investment income that doesn’t show on paper? Going through a divorce but sitting on $400K in equity? These aren’t problem files for us—they’re our bread and butter.

2. Sensible Underwriting: We’re not income-qualifying in the traditional sense, but we’re not idiots either. We want to see a clear path to refinance success. Can they service the debt? Will their situation improve? Is there a logical exit strategy that doesn’t involve us foreclosing? If the answers make sense and the equity supports it, we’re interested.

3. Geographic Advantage: Remember, we lend where others won’t. That equity-rich client in Williams Lake or Fort St. John? The one sitting on a $600K property that Vancouver MICs won’t touch? That’s our sweet spot. Better for you, better for them, better for us.

4. Speed Matters: When someone needs equity lending, they usually need it yesterday. Divorce settlement due? Business opportunity closing? We can move in days, not weeks. Your clients don’t have time for a bank’s 45-day dance, and you don’t have time to babysit a file for two months.

Who Uses You?

Most of our equity lending clients fall into a few buckets: self-employed folks who know their business better than any underwriter ever will, retirees who are asset-rich but don’t fit the bank’s employment boxes, and people in transition (divorce, job change, business sale) who need bridge financing until their world settles.

Brokers like us because we say yes to deals that make sense, even when they don’t fit in a bank’s computer system. And because we actually answer our phones when you call.

The Bottom Line

If your client has equity and a reasonable plan, we want to talk. Simple as that.