The Private Lender Built for Brokers.

Fast decisions. Flexible terms. A direct lender that moves when your client can't wait.

Submit a Deal → Register as a Broker

Need Funding When the Bank Says No?

We fund residential and commercial deals across Ontario — quickly, transparently, and without the runaround.

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FSRA Licensed #13618

Member

What We Fund

What Are You Looking to Fund?

Residential

First and second mortgages, bridge loans, equity take-out, and construction draws for residential properties across Ontario.

Explore Residential →

Commercial

Land acquisition, commercial bridge loans, mixed-use, construction financing, and multi-residential for experienced operators.

Explore Commercial →

MIE — Invest with BNQ

BNQ Financial is a Mortgage Investment Entity offering accredited investors exposure to secured Ontario real estate debt.

Investor Overview →

Built Around the Broker.

BNQ is a direct lender — not a broker. That means faster decisions, cleaner commitments, and no middlemen slowing down your deal.

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24-Hour Term Sheets

We review and respond within one business day — so your client isn't left waiting.

Tiered Broker Program

Active, Priority, and Partner tiers with escalating benefits, SLAs, and white-label support.

Multiple Submission Channels

Submit via Finmo, Velocity, Filogix, Scarlett, or BOSS — whichever works best for your workflow.

Broker Feedback

What Brokers Say About Working With Us

"BNQ came back with a term sheet in less than a day. For a deal that had already fallen through twice, that speed made all the difference."

— [Broker Name], [Brokerage], Ontario

"They actually pick up the phone. Working with a real lender instead of a broker has completely changed how I handle private mortgage files."

— [Broker Name], [Brokerage], Ontario

"The commitment letter was clean, the process was straightforward, and my client closed on time. BNQ is now my first call on every private deal."

— [Broker Name], [Brokerage], Ontario

Learn Centre

From the BNQ Learn Centre

Visit the Learn Centre →

Private Lending Basics

What Is a Private Mortgage — and When Does It Make Sense?

For Brokers

How to Submit a Deal to BNQ: Step-by-Step

Ontario Market

Private Mortgage Rates in Ontario: What Borrowers and Brokers Should Know

FOR BROKERS · WHY BNQ

A Lender.

Not a Broker.

When BNQ says yes, BNQ funds. No middlemen. No re-approvals. No surprise at closing. That's the difference between a broker relationship and a capital partner.

PRODUCT 01

First Mortgages

75%

MAX LTV

500

MIN BEACON

Our core product. First-position residential mortgages for borrowers who don't qualify at A or B lenders - self employed, bruised credit, non-traditional income, or time-sensitive situations.

Open Terms - 1.5% lender fee
1-year term
Broker sets own fee

1-2 yr

AVAILABLE TERMS

Ideal Scenarios

Self-employed with non-T4 income1-year term
Recent credit events or bruised credit
Clients in financial transition
Urgent closings - declined elsewhere

The BNQ Difference

What It Means to Be
a Direct Lender.

Most private "lenders" in this market are actually brokers. They shop your deal to their network, which means delays, inconsistency, and deals that fall apart late.

BNQ is different. We deploy our own capital. Our name goes on the commitment letter. When we approve a deal, it closes — because we're the one funding it.

BNQ

Direct capital deployment

We own the funds. We make the decision. We write the commitment letter.

Others

Syndicated or brokered

Your deal gets shopped. Approval depends on third-party investor sentiment.

4 Reasons Brokers Choose BNQ

Built for the Way
You Actually Work.

01

24-Hour Term Sheets

We commit to reviewing and responding to every residential submission within one business day. Not "as soon as possible." One business day.

02

Certainty of Close

We deploy our own capital. There's no syndicate to assemble, no third-party investor to satisfy. When BNQ issues a commitment, the funding is ours to deliver.

03

Common-Sense Underwriting

We look at the whole deal — property, equity, exit strategy, and scenario. Minimum Beacon 500. Self-employed, bruised credit, non-traditional income: we've funded all of it.

04