Trust Company
Peoples Trust
Federally Regulated B-Lender — Between Banks and Private
Vancouver, BC3–5 business days
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Rate Summary (Q1 2026)
1st Mortgage
5.99–9.99%
2nd Mortgage
7.99–9.99%
Max LTV (1st)
80%
Lender Fee
0.5–1.5%
* Rates are indicative and subject to change. Actual rate depends on LTV, property type, credit profile, and term. Apply for a personalized quote.
About Peoples Trust
Peoples Trust is a federally regulated trust company offering mortgage solutions for borrowers who may not qualify with major banks. Their rates sit between traditional bank rates and private lender rates, making them a strong B-lender option in BC.
Key Features
- Federally regulated trust company
- Rates between bank and private lender rates
- First mortgages, second mortgages, HELOCs
- Strong B-lender option for near-prime borrowers
Pros
- Lower rates than most private lenders
- Federally regulated — strong consumer protections
- Good option for near-prime borrowers
- HELOC product available
Cons
- More documentation required than pure private lenders
- May not approve severely impaired credit
Quick Facts
Min Loan$25K
Max Loan$5.0M
Max LTV (1st)80%
Max LTV (2nd)70%
Approval Speed3–5 business days
Bad Credit OKNo
Self-Employed OKYes
Loan Types Offered
1st Mortgage2nd MortgageHELOC
Regions Served
- Metro Vancouver
- Fraser Valley
- Victoria & Vancouver Island
- Okanagan
- Interior BC
Contact
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