Direct access to a decision-maker with institutional experience and a curated network of over 300 lenders. We structure solutions that conventional lenders won't consider — and we move with urgency your clients can count on.
Access to 300+ private lenders, MICs, credit unions, and alternative sources — each vetted for reliability, speed, and competitive terms. We match your deal to the right capital.
Former VP and Fund Manager within a $550M+ private mortgage fund platform. Every deal benefits from institutional-grade underwriting, risk assessment, and structuring discipline.
Private financing is a bridge, not a destination. We design every deal with the borrower's return to conventional financing in mind — protecting their long-term interests.
We work with mortgage brokers, accountants, lawyers, financial advisors, and real estate professionals who need a reliable private mortgage resource for their clients.
Same-day preliminary terms. Direct access to the decision-maker.
Submit a Deal Schedule a CallEvery deal follows a disciplined process built from decades of institutional lending experience. You get clarity, speed, and certainty from first conversation to funding.
Our process eliminates the uncertainty and delays that plague private mortgage transactions. Direct decision-maker access means no committees, no runaround.
You send us the deal details. We'll respond promptly with preliminary pricing and structure — or an honest assessment if it's not a fit.
Full institutional-grade analysis: property valuation, borrower assessment, exit strategy verification, risk evaluation. We underwrite every deal as if our own capital were at stake.
Your deal is matched to the most appropriate lender(s) from our 300+ lender network based on property type, location, LTV, rate, and speed requirements.
Commitment letter issued with clear conditions. We manage all conditions, coordinate with lawyers, and ensure nothing falls through the cracks.
Funds advanced, mortgage registered, all parties paid. Post-close, we stay engaged to support the borrower's exit strategy and eventual return to conventional financing.
We treat private mortgage brokerage as a professional advisory relationship, not a transactional service. Your clients benefit from the same rigor and care that institutional investors expect.
Fast doesn't mean reckless. Our process is streamlined — not stripped down. Every deal gets full institutional-grade analysis, delivered within aggressive timelines.
Every fee, every condition, every timeline — disclosed upfront in writing. No surprises at the closing table. Your professional reputation is protected.
We don't just place a mortgage — we design a path forward. Every deal is structured with a clear plan to return the borrower to conventional financing.
Send us a deal scenario. You'll understand our approach in 4 hours or less.
Submit a Deal Schedule a CallWhether you're a mortgage broker, accountant, lawyer, or financial advisor — your clients deserve access to private financing structured with institutional discipline.
Submit your deal details — we'll respond with preliminary pricing and structure.
⏱ Guaranteed response within 4 business hours
| Product | Rate Range | Max LTV | Loan Range | Typical Term | Turnaround |
|---|---|---|---|---|---|
| Residential 1st | 5.65% – 10.99% | 75% | $250K – $10M | 12 months | 7 – 21 days |
| Residential 2nd | 8.45% – 14.99% | 75% CLTV | $250K – $10M | 12 months | 7 – 21 days |
| Commercial 1st | 9.00% – 12.99% | 76% | $500K – $100M | 12 – 24 months | 21 – 30 days |
| Commercial 2nd | 8.45% – 14.99% | 75% CLTV | $250K – $10M | 12 months | 7 – 21 days |
| Construction | 9.00% – 12.99% | 65% (as-complete) | $500K – $15M | 12 – 24 months | 21 – 30 days |
| Bridge Loan | 5.65% – 10.99% | 70% | $250K – $10M | 3 – 12 months | 10 – 14 days |
| Land | 10.00% – 13.99% | 65% | $250K – $10M | 12 months | 21 – 30 days |
All rates and terms are indicative and subject to individual deal assessment. Geographic focus: British Columbia. Contact us for specific pricing.
| Client Situation | How We Help | Typical Terms | Timeline |
|---|---|---|---|
| Self-employed borrower declined by banks | Equity-based underwriting with common-sense income verification | 1st @ 8.25–10%, 65% LTV | 14–21 days |
| Bridge financing for property purchase | Short-term 1st mortgage pending sale of existing property | 1st @ 8.25–9.5%, 70% LTV | 10–14 days |
| Debt consolidation with bruised credit | 2nd mortgage to consolidate high-interest debt, rebuild credit score | 2nd @ 10.25–12%, 75% CLTV | 14–21 days |
| Construction or renovation financing | Draw-based construction mortgage with progress inspections | 1st @ 9–11%, 65% LTV (as-complete) | 21–30 days |
| Estate or divorce settlement requiring capital | Short-term mortgage to facilitate buyout or equalization | 1st/2nd flexible, 70% LTV | 14–21 days |
Send us the scenario. We'll respond with an honest assessment and preliminary terms — same day.
Email info@verifundcapital.com Call (604) 757-9460When conventional lenders say no, we find the right solution from our network of trusted private lenders — with terms designed to get you back to bank financing.
A private mortgage isn't a destination — it's a bridge. We structure every deal with your return to conventional financing in mind.
Bank says no. You need capital now — for a purchase, refinance, debt consolidation, or construction project.
→We match you with the right lender from our 300+ lender network. Funding in 14-30 days with clear, transparent terms.
→Use the term to strengthen your position — improve credit, document income, complete renovations, resolve issues.
→Transition to a bank or credit union at lower rates and longer terms. We help coordinate the exit before your term ends.
First and second mortgages for single-family homes, condos, townhouses, and multi-unit residential properties across British Columbia.
Financing for office, retail, industrial, and mixed-use commercial properties. Flexible terms for owner-occupied and investment properties.
Draw-based construction financing for new builds, major renovations, and development projects with structured progress milestones.
Short-term financing to bridge the gap between purchasing a new property and selling an existing one. Fast approvals, flexible terms.
Mortgage solutions for duplexes, triplexes, fourplexes, and apartment buildings. Income-based and equity-based approaches available.
Financing for raw land, land assembly, subdivision, and pre-development projects. Structured with clear exit strategies.
Get a preliminary estimate of your private mortgage costs. This calculator provides indicative ranges — schedule a call for a personalized quote.
Actual rates and fees depend on property type, location, borrower profile, and loan-to-value ratio. All costs are fully disclosed before you commit.
This is an indicative estimate only. Actual terms depend on property, borrower, and lender specifics. All fees are disclosed in your commitment letter before you proceed.
Schedule a Call to Get a Quote →A private mortgage is a loan secured by real estate, funded by private lenders — individuals, mortgage investment corporations, or private lending companies — rather than banks or credit unions. Private mortgages typically offer faster approvals, more flexible qualification criteria, and are designed as short-term solutions, usually 1-2 years.
Most private mortgages through Verifund Capital fund within 14-30 days from complete submission. Bridge loans and urgent transactions can fund in as little as 7-14 days. Contact us to discuss your timeline and we'll provide preliminary pricing and structure.
Private mortgage costs include the interest rate (starting from 5.65% for first mortgages, 8.45% for second mortgages), a lender fee (starting at 1% of the loan amount), brokerage fees, legal fees, and appraisal costs. All fees are fully disclosed in your commitment letter before you commit. Use our cost calculator above for a personalized estimate.
Every deal we structure includes a clear exit strategy — your "Path to Bank." This typically involves using the private mortgage term to improve your credit profile, stabilize income documentation, complete renovations, or resolve the circumstances that prevented conventional financing. We actively work with you throughout the term to ensure you're positioned for a successful transition.
We finance residential properties (houses, condos, townhouses, multi-family), commercial properties (office, retail, industrial, mixed-use), construction projects, land, and development sites across British Columbia. Properties typically qualify up to 75% loan-to-value with a clear exit strategy.
Private mortgages are registered on title but most private lenders do not report to credit bureaus. This means taking a private mortgage generally won't directly impact your credit score. In fact, using a private mortgage to consolidate high-interest debt and make payments on time can actually improve your credit profile over the term.
No commitment required. We'll give you an honest assessment of what's achievable.
Contact Us TodayLooking to deploy capital in BC real estate? Verifund sources, underwrites, and manages mortgage investments with institutional-grade discipline — giving you access to quality deal flow without the operational overhead.
Whether you're a mortgage investment corporation, private individual, family office, or institutional lender — we bring you pre-underwritten, properly documented deals that meet your investment criteria.
Every deal package includes comprehensive property analysis, borrower assessment, exit strategy verification, and risk evaluation — the same rigor expected by institutional investors.
We maintain relationships with 9,000+ professional referral sources across BC, generating consistent deal flow across residential, commercial, construction, and bridge lending.
From application through funding and exit, we manage the borrower relationship — updates, condition clearance, legal coordination, and renewal or payout at maturity.
30+ years of local market knowledge across the Lower Mainland, Fraser Valley, Vancouver Island, and Okanagan. We understand the micro-markets, valuations, and exit dynamics.
Every submission includes title search, appraisal, borrower documentation, credit bureau, net worth statement, and a detailed deal summary with our underwriting assessment.
We target a maximum 75% LTV on residential and 65% on commercial, with independent appraisals from approved appraisers. Our sweet spot is 60-65% LTV first mortgages.
No deal proceeds without a verified exit plan. We evaluate the exit before the entry — sale of property, refinance to conventional, or term renewal with demonstrated progress.
We'd welcome a conversation about how Verifund can serve your lending or investment objectives.
Contact Us Call (604) 757-9460Managing Director & Founder, Verifund Capital Corp.
With over 30 years in private lending, Mr. Liberman brings institutional-grade expertise to every private mortgage transaction. His career includes serving as Vice President and Fund Manager within a private mortgage fund platform with over $550 million in combined assets under management, where he was responsible for origination, underwriting, portfolio management, and investor relations.
That experience — managing private mortgage capital across market cycles within a multi-fund platform — informs every aspect of how Verifund Capital operates. Every deal benefits from the same disciplined analysis, risk assessment, and structuring rigor that institutional investors demand.
Verifund Capital Corp. was founded on a simple premise: private mortgage brokerage should be a professional advisory relationship, not a transactional service. As a BCFSA-registered mortgage brokerage, we maintain the highest standards of regulatory compliance, transparency, and client service.
When you work with Verifund, you work directly with Mr. Liberman. No junior staff taking your intake. No committee making decisions. Direct access to the person underwriting your deal, matching it to the right lender, and seeing it through to funding.
Have a deal to discuss? Need an assessment? We respond same day or next business day.
701 W. Georgia Street, Suite 1500
Vancouver, BC V7Y 1G5
Same day or next business day
