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Mortgage Squad Advisors
Victoria · British ColumbiaPrivate

Private mortgages in Victoria.

Funded in 7-21 days. Equity-based. 12-24 month bridge to A-pricing. Retirement + government-employee borrower base.

7-14 day fundingEquity-basedBridgeExit plan
Or ask Maya
5-star rated| FSRA #13737| 50+ languages
Live math · Victoria
On a $1,025,000 Victoria home (50% LTV existing)
Home value (benchmark)
Victoria 2026
$1,025,000
Assumed existing mortgage
50% LTV assumption
$512,500
Accessible equity (75% LTV)
What this product can unlock
$256,250
Est. monthly payment
At 7.49% on full draw
$1,873/mo
Illustrative only. Actual rate, qualifying amount, and premium depend on your file. Get an exact number with a senior advisor or Maya AI.
Max LTV (1st)
75%
Equity-based
Max CLTV (2nd)
85%
Combined with first
Term
6-24 mo
Bridge to A-lender
Funding speed
7-21 days
Clean files
Why Victoria clients choose us

Private mortgages — built for Victoria.

Same FSRA license. Same 50+ lender network. Same dedicated advisor model — applied to Vancouver Island's specific lender appetites and property types.

Funding in 7-21 days from binding offer
Equity-based — income and credit less important than equity position
Up to 75% LTV on first mortgages
Up to 85% combined LTV on second mortgages behind your A-lender first
No income confirmation in many cases
Stops power of sale, bridges purchases, funds renovations
All lender + broker fees disclosed in writing upfront
We map the exit to A-lender pricing as part of the original deal
MIC (regulated) + individual lender options
Confidential — your situation stays private
Maya · 24/7 AI advisor

Have a question right now? Maya answers instantly in 50+ languages.

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Private mortgages across Victoria

From Oak Bay to James Bay — we know the local market, the typical private mortgage file size, and the lender appetites that fit each pocket of Victoria.

Oak BaySaanichFairfieldEsquimaltVic WestJames Bay
FAQ

Private mortgages in Victoria — common questions.

Don’t see yours? Ask Maya — instant answer in 50+ languages.

Any Canadian resident in Victoria who meets the standard private mortgages criteria — we help borrowers from Oak Bay, Saanich, Fairfield and surrounding Vancouver Island. Retirement + government-employee borrower base.

Other mortgage solutions in Victoria

Same advisor team, full product menu — pick the one that fits your file.

All Victoria programs →
First-time buyer
First-time buyer mortgages

5% down. FHSA + RRSP HBP stacked. Pre-approval in 24 hours.

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Renewal
Mortgage renewal

Don't auto-renew. We benchmark your bank against 50+ lenders.

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Refinance
Mortgage refinance

Lower your rate, consolidate debt, or pull up to 80% equity.

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HELOC
HELOC

Up to 65% LTV stand-alone, 80% combined. Interest-only on what you draw.

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Self-employed
Self-employed mortgages

BFS, stated income, dividend + salary — we know which lenders take which story.

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New to Canada
New-to-Canada mortgages

PR or work permit. International credit accepted. 50+ languages in-house.

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Investment
Investment property mortgages

Lenders with 100% rental offset, BRRRR refinances, DSCR products.

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Bad Credit
Bad credit mortgages

B-lender + private paths today, A-lender exit in 12-24 months.

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Private mortgages in other British Columbia cities

Same product, different market — see how private mortgages look across British Columbia.

Browse all British Columbia →
Vancouver Burnaby Surrey Richmond Coquitlam Langley Delta North Vancouver

Ready to start your private mortgages in Victoria?

5-minute pre-qualification. No credit check to begin. Your dedicated Vancouver Island advisor responds within the next business hour.