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.

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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

RESIDENTIALS · PRODUCTS

The Private Lender

Built For Brokers.

Fast decisions. Flexible terms. A direct lender that moves when your client can't wait. We respond to every submission within 24 hours.

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

Product 01

First Mortgages

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% lender fee
✓Closed terms — No lender fee
✓Partially open — No lender fee
✓1-year and 2-year terms available
✓Broker sets own fee

75%Max LTV

500Min Beacon

1–2 yrAvailable Terms

Ideal Scenarios

✓Self-employed with non-T4 income
✓Recent credit events or bruised credit
✓Clients in financial transition
✓Urgent closings — declined elsewhere

Product 02

Second Mortgages

Second-position private mortgages for borrowers who need to access equity without disturbing their existing first mortgage. Fast approval, clear terms.

✓1-year terms — open, closed, or partially open
✓Loan amounts from $75,000 to $500,000
✓First mortgage balance must not exceed $1M
✓Metropolitan, urban, and suburban Ontario

75%Max LTV — Owner Occupied

65%Max LTV — Investment

$75KMin Loan

$500KMax Loan

Ideal Scenarios

✓Debt consolidation without refinancing first
✓Home renovations — access built equity
✓Business capital needs
✓Down payment assistance — investment property

Product 03

Bridge Loans

Short-term bridge financing to help clients move forward with confidence — securing their next property before their current one sells, without losing the deal.