Lending Alternative 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%
Commercial/Industrial
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 |
| 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 |
| 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
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
Kelowna, Penticton, & Vernon
- Flynn Mirtle Moran
- Lawrenson Walker
- Frilan Appraisals
- Okanagan Appraisals
Whistler
- WesTech Appraisal Services
Victoria
- D. Fritz Appraisals
- Lawrenson Walker
Ontario
- Cross-Town Appraisal
- Appraisers Canada Inc.
- Ontario Appraisal Corporation
- Metrowide Appraisal Corporation
- Schinkel Appraisals
- House Inc.
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
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.
