Flexible Mortgage Lending Specialists



B.C. Private and Alternative Mortgage Specialists


Flexible Lenders - Common sense lending and "outside the box" loans

Fast Turnaround - Many applications approved in 1 day

Fair Rates and Terms - Vary by situation - quick estimates available


Call now to ask questions or get started: 604-499-5895


Email questions directly: shawn@shawnhawkins.ca 



"It was great working with Shawn and I am happy to give him 5 stars and recommend him to anyone else shopping for a partner in the mortgage industry"

-Peter K, North Vancouver


"Very efficient. Shawn suggested ways to do things that I’d never have thought of. He kept me up to date and explained how the process and timeline would work. I would recommend Shawn to anyone."  

- Richard J, Pitt Meadows


"Thanks for the excellent service you provided on the refinancing of my home. Great communication and fast turnaround. A pleasure doing business with you." 

- John L, North Vancouver



A Private Mortgage Lender or Alternative Lender can offer:


  • Flexibility: Minimal paperwork 
  • Fast approval and quick funding
  • Products available for both good and bad credit
  • Rates are fair and vary by situation 
  • Loans in Company name OK


We can assist with Conventional, 2nd and 3rd Mortgages, HELOC, or Home Equity Loans. Many private mortgage lending options. 


What is a Private Mortgage? Private or alternative mortgage lending is a win/win for the borrower and lender -  The lenders risk is capped by the security of the property, so they can offer reasonable rates, even with less than perfect credit. Rates on flexible mortgages are typically between 4-8%. Private HELOC's available. 2nd mortgages start around 7% and are typically 8-13%. The higher the risk, the higher the rate. There can be one-time lending fees associated with alternative mortgages of anywhere from 1% - 10%, typically 2-5%.  


Alternative mortgage lending doesn't have anywhere near the paperwork of a typical mortgage. Often, just home equity alone is enough for approval, sometimes a degree of backup is required but flexibility is still the name of the game. Mortgage loans a bank would not consider are easy and smooth in the private space. Consumer proposals, collections, judgements, and bankruptcy can all be dealt with. 


Private mortgages can make sense for anyone, regardless of your credit. Perhaps you have great credit and income and need to do some work to your house. You would like to access your equity. Perhaps you have a great rate on your primary mortgage with a big bank and don't want to refinance. A private loan may be the perfect solution. You can borrow the funds now and just blend it into your mortgage at the next renewal. 


On the other hand, perhaps you are 2-3 months behind on your mortgage because of some surprise expenses or medical bills. A private lender will look past the missed payments because they have the security of your property. 


Contact Us Today 604-499-5895

Shawn Hawkins

Mortgage Broker

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