Westmont Westmont Lending Corporation

Your mortgage,
your advantage.

Residential, commercial, and private mortgage solutions across British Columbia. We find the right lender, rate, and structure — so you move forward with confidence.

0
Lending partners
24hr
Pre-approval
BC
Province-wide

Get your rate

Free quote · No obligation · 30 seconds

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BCFSA Registered
50+ Lending Partners
Residential & Commercial
Private Lending from 5.39%*
All of British Columbia
We work with Canada's top lenders

Plus 40+ credit unions, monoline lenders, and private capital sources

What we do

Mortgage solutions
that actually fit

Whether you're buying your first home, financing a commercial property, or need private lending — we connect you with the right lender at the best rate.

01

Home purchase

First-time buyers, move-up buyers, and new construction. We shop 50+ lenders for the lowest rate in BC.

02

Refinancing

Access equity, consolidate debt, or lower your rate. We find savings you didn't know were there.

03

Renewal

Don't just sign your bank's letter. We negotiate better terms — often saving thousands over your next term.

05

Commercial

Office, retail, industrial, multi-family. Deals from $500K to $50M+ structured to match your business plan.

06

Construction

Builder financing and draw schedules. Full lending management from foundation to final inspection.

5.39%
Rates starting from
Self-employed Bruised credit Debt consolidation Quick closings 1st & 2nd mortgages Bridge financing

Bank said no?
We say let's talk.

Not every borrower fits the bank's box. Private mortgage lenders offer flexible underwriting, faster approvals, and creative structures for situations where traditional financing falls short.

We work with established private lenders across BC to find competitive terms — with a clear exit strategy back to institutional rates.

Get your private rate →

*5.39% is the lowest available rate for qualifying borrowers. Actual rates depend on LTV, property type, credit profile, and lender terms. Subject to change. OAC. Westmont Lending Corporation.

How it works

Four steps to
your mortgage

1

Free consultation

Tell us about your goals. We assess your situation and outline your options — no cost, no commitment.

2

We shop lenders

We compare rates across 50+ lenders — banks, credit unions, monoline, and private — to find your best fit.

3

Get approved

We handle paperwork, negotiate conditions, and push for the fastest approval timeline possible.

4

Close & fund

Your mortgage funds on schedule. We stay with you through closing and beyond — renewals, questions, anything.

Mortgage calculator

See what you can afford

Adjust the sliders to estimate your monthly mortgage payment across different scenarios.

Estimated monthly payment
$2,413
Based on current inputs
Loan amount$400,000
Down payment$100,000
Interest rate5.39%
Total interest paid$323,900
Total cost of mortgage$723,900
Get a better rate than this →

Today's rates are competitive.

Lock in before they move. Free, no-obligation quote in under 60 seconds.

Get your rate →
Client stories

Real results, real people

★ ★ ★ ★ ★

"As first-time buyers in Surrey, we were overwhelmed. Vantage made it simple — they found us a rate lower than our bank offered and walked us through every step."

Priya & Arjun M.
First-time homebuyers, Surrey
★ ★ ★ ★ ★

"We needed commercial financing for a mixed-use property in Vancouver. Vantage structured the deal across two lenders and closed in under 30 days."

K. Sandhu
Commercial investor, Vancouver
★ ★ ★ ★ ★

"I was about to sign my bank's renewal at posted rate. Vantage saved me thousands over five years just by shopping around. I wish I'd called sooner."

David L.
Mortgage renewal, Langley
Common questions

Frequently asked questions

What is a private mortgage?+
A private mortgage is a loan from a non-institutional lender — typically an individual investor or private lending fund. It's ideal for self-employed borrowers, those with bruised credit, or situations requiring fast closing. Our private rates start from 5.39%, with flexible terms and structures tailored to your situation.
Do I have to pay for your services?+
In most cases, our services are completely free to you. The lender pays our fee when your mortgage funds. For certain private or complex commercial deals, broker fees may apply — but these are always disclosed upfront before you commit to anything.
How long does pre-approval take?+
We can typically provide a mortgage pre-approval within 24 hours. For private mortgages, approval can be as fast as 48 hours depending on the lender and deal complexity. We'll give you a realistic timeline during your free consultation.
Do you serve all of British Columbia?+
Yes. While our office is in Surrey, we serve mortgage clients across all of British Columbia — Vancouver, Victoria, Kelowna, Kamloops, Prince George, and everywhere in between — through our network of 50+ lending partners.
What's the difference between a bank and a mortgage broker?+
A bank only offers their own mortgage products. A mortgage broker like us shops across 50+ lenders — including banks, credit unions, monoline lenders, and private lenders — to find you the best rate and terms available. We work for you, not the bank.
Can I get a mortgage with bad credit?+
Yes. We work with alternative (B) lenders and private lenders who specialize in borrowers with bruised or rebuilding credit. The rates will be higher than prime, but we can often find a path to homeownership — and help you plan a transition back to prime rates over time.
How much down payment do I need?+
For insured mortgages (CMHC), the minimum is 5% for homes under $500K, 10% on the portion between $500K and $1.5M. For uninsured conventional mortgages, you'll need at least 20%. Commercial properties typically require 25-35% down. We'll walk you through the options during your consultation.
Get in touch

Ready to get started?

📞

Call us

250-299-5000
📍

Visit us

103-15055 54A Ave
Surrey, BC V3S 5X7

Your advisor: Nipun Sood · Submortgage Broker · Westmont Lending Corporation
Nipun Sood is the registered Submortgage Broker (BCFSA) operating under Westmont Lending Corporation. Registration expiry: Jan 1, 2028. No conditions or restrictions. Westmont Lending Corporation · 103-15055 54A Ave, Surrey, BC V3S 5X7 · DI: Jason Jeevan Uppal · Verify on BCFSA ↗
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