^LendingAlternative lending,
transparent approach.

^{AN INNOVATIVE TEAM YOU CAN TRUST}At PHL, we offer innovative alternative lending opportunities and an experienced team familiar with the ins and outs of the Canadian real estate market. We are committed to your and your clients’ success and prioritize solutions-focused partnerships where everyone wins.

In such a competitive market, brokers today are facing unique challenges and need a partner who speaks their language–one who is as committed to getting their client’s mortgage approved as they are. PHL is that partner. Offering competitive rates and fast approvals, we make securing a loan for your client easy.

SAME-DAY FEEDBACK AND COMMITMENT WITHIN 24 HOURS
EXTENSIVE REAL ESTATE AND BANKING EXPERIENCE
FLEXIBLE DEAL STRUCTURE
SERVING BROKERS FOR OVER 18 YEARS

^{Funded OVER}$3B

Residential/Commercial

^{Up To}75%

Residential/Commercial

^{LOAN SIZES}$30M

Minimum begins at $50k

^{COMMITMENT IN}24H

Accommodating rush deals

Lending guidelines.

Acting as your strategic partner in a market that demands quick action, we offer same-day feedback and commitment within 24 hours. With straightforward guidelines and clear communication, we take the guesswork out of alternative mortgage lending.

Residential	1st & 2nd Mortgage
Max LTV	75%
Lending Areas	Major Urban Centres of BC, AB and ON
Min/Max Mortgage	$50,000 – $3,000,000
Eligible Properties	Single Family Dwelling, Condominium Units, Townhomes, Acreages
Terms	1 Year (No Prepayment Penalty)
Placement Fee	1 – 3%
Rates	Please Contact Us or call 604.579.0846 (BC/AB) / 416.649.8275 (ON)

Construction	1st & 2nd Mortgage
Max LTV	65%
Lending Areas	Major Urban Centres of BC and AB
Min/Max Mortgage	$50,000 – $3,000,000
Eligible Properties	Owner or Spec Build
Draws	Funds to be advanced in draws upon confirmation, via appraiser inspection, of work-in-place and cost to complete
Terms	1 Year (No Prepayment Penalty)
Placement Fee	1 – 3%
Rates	Please Contact Us or call 604.579.0846

Commercial	1st & 2nd Mortgage
Max LTV	75%
Lending Areas	Major Urban Centres of BC and AB
Min/Max Mortgage	$50,000 – $30,000,000
Eligible Properties	Industrial, Retail, Office, Mixed Use
Terms	1 Year (No Prepayment Penalty)
Placement Fee	1 – 3%
Rates	Please Contact Us or call 604.579.0846

Land	1st & 2nd Mortgage
Max LTV	65%
Lending Areas	Major Urban Centres of BC
Min/Max Mortgage	$50,000 – $3,000,000
Eligible Properties	Acreages, Building Lots, Land Development
Terms	1 Year (No Prepayment Penalty)
Placement Fee	1 – 3%
Rates	Please Contact Us or call 604.579.0846

^{Our Process}

Proposal

If you are a mortgage broker with clients interested in alternative lending solutions, reach out to a member of our team either via email, phone, or by submitting your deal online.

Statements + Reports

Our team will request to review your client’s credit bureau report as part of our suitability and risk assessment (we do not require borrowers to meet a minimum credit score). Income statements are not required for residential properties, though additional information may be required for those seeking lending for commercial properties.

Appraisals

Working with one of our approved appraisers (who are listed below), the property you seek lending for will need to go through an approval process.

Commitment

Should everything check out, we will move forward with a commitment letter. Knowing how quickly the real estate market moves, we guarantee commitments within 24 hours.

Story + Exit

Communicate with us the use of funds, your client’s exit strategy, and any other applicable information as the final step in our mortgage lending approval process.

^{OUR Approved Appraisers}Connect with our trusted appraiser network.

Lower Mainland

Hooker Craig Lum Group (HCLG)
Saran Appraisals & Consulting
Lawrenson Walker Real Estate Appraisers
Schenoni & Associates Inc.
Macintosh Appraisals Ltd
WesTech Appraisal Services Ltd.
Adlaw Appraisals Ltd.

Kamloops

Flynn Mirtle Moran
Frilan Appraisals

Alberta

Sage Appraisals
Lawrenson Walker
Atkinson & Associates
Black Valuation Group Ltd
Hagan Appraisals Services
Fletchers Appraisals
Dundas Appraisals

Kelowna, Penticton, & Vernon

Flynn Mirtle Moran
Lawrenson Walker
Frilan Appraisals
Okanagan Appraisals

Whistler

WesTech Appraisal Services
Walton Appraisals

Victoria

D. Fritz Appraisals
Lawrenson Walker

Ontario

Cross-Town Appraisal
Appraisers Canada Inc.
Ontario Appraisal Corporation
Metrowide Appraisal Corporation
Schinkel Appraisals
House Inc.
24 Appraisals
Sharp Appraisal

Lower Mainland

Ryan ULC
CWPC Property Consultants
Garnett Wilson Realty Advisors
Hooker Craig Lum Group (HCLG)
LW Property Advisors
Saran Appraisals & Consulting

Kelowna, Kamloops, Penticton & Vernon

Frilan Appraisals
Kent-Macpherson
NCA Commercial Inc.

Victoria

Phung & Horwood

Alberta

Avison Young

^{Apply for a mortgage}Tailored mortgage solutions.

Not everyone meets the stringent—and often outdated—requirements of traditional banks, but that doesn’t mean you shouldn’t be able to purchase property. Alternative lending offers the opportunity to purchase commercial or residential real estate by creating a mortgage lending solution that meets your unique situation. Partnering with your mortgage broker, we’ll help you attain the financing you need.

Apply Today