Mortgage Investment Corporation (MIC)
PHL Capital
Alternative & Commercial Lending MIC — Western Canada
Vancouver, BC3–5 business days
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Rate Summary (Q1 2026)
1st Mortgage
8.99–13.99%
2nd Mortgage
—
Max LTV (1st)
75%
Lender Fee
1.5–2.5%
* Rates are indicative and subject to change. Actual rate depends on LTV, property type, credit profile, and term. Apply for a personalized quote.
About PHL Capital
PHL Capital is a Mortgage Investment Corporation offering alternative lending opportunities across Western Canada. Their experienced team specializes in commercial and construction mortgage financing.
Key Features
- Alternative lending MIC
- Commercial and construction mortgage financing
- Western Canada coverage
- Experienced team
Pros
- Commercial and construction specialists
- Western Canada coverage
- MIC structure — regulated
Cons
- Minimum loan of $100,000
- Not suitable for residential borrowers
Quick Facts
Min Loan$100K
Max Loan$20.0M
Max LTV (1st)75%
Max LTV (2nd)—
Approval Speed3–5 business days
Bad Credit OKNo
Self-Employed OKYes
Loan Types Offered
Alternative LendingCommercial MortgagesConstruction Financing
Regions Served
- Metro Vancouver
- Fraser Valley
- Okanagan
- Interior BC
Contact
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