Private Lender
Alpine Credits
BC's Established Direct Home Equity Lender
Vancouver, BC24 hours
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Rate Summary (Q1 2026)
1st Mortgage
6.99–12.99%
2nd Mortgage
9.99–12.99%
Max LTV (1st)
85%
Lender Fee
1–2%
* Rates are indicative and subject to change. Actual rate depends on LTV, property type, credit profile, and term. Apply for a personalized quote.
About Alpine Credits
Alpine Credits is one of BC's most established direct home equity lenders. They prioritize available home equity over income verification or credit score, with approvals possible in as little as 24 hours. Commonly used for debt consolidation, home renovations, and business capital.
Key Features
- Approvals in as little as 24 hours
- Equity-based underwriting — credit score not primary factor
- Home equity, debt consolidation, renovation financing
- Province-wide BC coverage
- Direct lender — no broker required
Pros
- One of BC's most established private lenders
- 24-hour approvals
- Accepts bad credit borrowers
- Low minimum loan of $10,000
- Up to 85% LTV — higher than most private lenders
Cons
- Rates can reach 12.99% for higher-risk files
- Primarily residential — limited commercial lending
Quick Facts
Min Loan$10K
Max Loan$5.0M
Max LTV (1st)85%
Max LTV (2nd)75%
Approval Speed24 hours
Bad Credit OKYes
Self-Employed OKYes
Loan Types Offered
Home Equity LoansDebt ConsolidationRenovation Financing
Regions Served
- Metro Vancouver
- Fraser Valley
- Victoria & Vancouver Island
- Okanagan
- Interior BC
Contact
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