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 BrokerNeed Funding When the Bank Says No?
We fund residential and commercial deals across Ontario — quickly, transparently, and without the runaround.
Explore Your Options →
What Are You Looking to Fund?
First and second mortgages, bridge loans, equity take-out, and construction draws for residential properties across Ontario.
Explore Residential →Land acquisition, commercial bridge loans, mixed-use, construction financing, and multi-residential for experienced operators.
Explore Commercial →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.
View Broker Advantage →We review and respond within one business day — so your client isn't left waiting.
Active, Priority, and Partner tiers with escalating benefits, SLAs, and white-label support.
Submit via Finmo, Velocity, Filogix, Scarlett, or BOSS — whichever works best for your workflow.
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
From the BNQ Learn Centre
READY TO GIVE US A TRY?
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.
WHAT WE FUND
What Are You Looking To Fund?
RESIDENTIAL
Private Residential
Mortgages
First and second mortgages, bridge loans, and equity take-out for residential properties across Ontario. Min. Beacon 500. Up to 75% LTV.
Explore Residential →
COMMERCIAL - COMING SOON
Commercial
Mortgages
Land Acquisition, commercial bridge loans, mixed-use, and multi-residential for experienced operators. Launching April 28.
LAUNCHING SOON
DIRECT LENDER ADVANTAGE
Built Around the Broker.
24h
MAX RESPonse time
BNQ is a direct lender — not a broker. That means faster decisions, cleaner commitments, and no middlemen slowing down your deal. When we commit, we fund.
24-Hour Term Sheets - We review and respond within one business day.
White-Label Commitment LEtters - BNQ's name on the commitment. Your client relationship stays yours.
Tiered Broker Program - Active, Priority and Partner tiers with escalating benefits
Multiple Submission Channels - Finmo, Velocity, Filogix, Scarlett, or BOSS.
75%
MAX ltv - first mortgages
500
minimum beacon score
5
submission channels
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."
Ontario Mortgage Broker
"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."
Ontario Mortgage Broker
"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."
Ontario Mortgage Broker
Ready to submit a deal?
Register your brokerage once. Submit every deal after that in minutes.
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Office: Suite 105, 1670 North Service Rd E, Oakville, ON L6H 7G3, Canada
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© Copyright 2026. BNQ Financial. All Rights Reserved.