Hard Money Loans in British Columbia & Alberta
Fast, Equity-Based Lending for When the Banks Say No
Searching for a Hard Money Loan in Canada?
In Canada, what many people refer to as a hard money loan is typically known as a private mortgage or private lending. Similar to an Adjustable Rate Mortgage, these financing options can offer flexibility based on changing financial needs.
At Dare 2 Dream Mortgage Company, we specialize in helping clients across British Columbia and Alberta get fast access to private mortgage financing based on home equity, not credit or income.
If you’re looking for a flexible, short-term mortgage from a non-bank lender, you’re in the right place.
What Is a Hard Money Loan — and What’s the Canadian Equivalent?
A hard money loan is a term used mostly in the United States to describe short-term, asset-backed lending — often used by real estate investors, self-employed borrowers, or those with poor credit.
In Canada, this type of loan is regulated under our private lending framework and is typically called a:
- Private Mortgage
- Private Home Loan
- Equity-Based Mortgage
The principle is the same: loans are based on your property value, not your income or credit score.
When People Search for "Hard Money Loans", They Usually Need:
- Fast closings for real estate deals
- Short-term lending solutions (6–24 months)
- Financing for self-employed borrowers
- Bridge loans to buy before selling
- Help consolidating high-interest debt
- Access to equity when the bank says no
At Dare 2 Dream Mortgage Company, your Coquitlam mortgage team, we offer all of this — just under the correct Canadian terminology.
Why Work With Dare 2 Dream?
Licensed mortgage brokers in BC & Alberta
- Access to vetted private lenders
- Transparent fees and terms
- Fast closings — often in 7–10 business days
- No unnecessary credit or income roadblocks
Areas We Serve
We provide private (hard money-style) loans across:
British Columbia:
- Vancouver
- Coquitlam
- Burnaby
- Surrey
- Langley
- Kelowna
- Victoria
- Fraser Valley
Alberta:
- Vancouver
- Coquitlam
- Burnaby
- Surrey
- Langley
- Kelowna
- Victoria
- Fraser Valley
Need a location-specific refinance advisor?
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Final Word: You're Not Alone
If you’ve been searching for “hard money lenders in BC or Alberta,” chances are you’ve hit a wall with traditional lenders.
Let us help you find a real, regulated, and secure alternative through our trusted network of private mortgage lenders.
Request a Private Lending Consultation
Request a Private Lending Consultation
Explore More About The Coquitlam Area
Office Hours
Monday
8:00 am – 8:00 pm
Tuesday
8:00 am – 8:00 pm
Wednesday
8:00 am – 8:00 pm
Thursday
8:00 am – 8:00 pm
Friday
8:00 am – 8:00 pm
Saturday
8:00 am – 8:00 pm
Sunday
8:00 am – 8:00 pm