Are you sitting on significant home equity but struggling to access cash due to existing mortgages?
At Seven Lending, we understand that life doesn’t always fit into a bank’s rigid checklist. If you already have a first and second mortgage, most financial institutions will turn you away. We are different. As one of the premier 3rd mortgage lenders in BC, we offer specialized loans designed for homeowners in Surrey, Vancouver, and across the Fraser Valley who need capital fast.
*After submitting this form, we will contact you within 24 hours.
A 3rd mortgage is a loan secured against your property that sits behind your first and second mortgages. It allows you to access the remaining equity in your home without penalties for breaking your existing mortgage terms or losing your current low interest rates.
This is a specialized financial tool designed for:
We offer targeted financing designed for the unique neighborhoods of British Columbia.
Secure funds for your primary home or a rental property in BC. We approve buyers whom banks decline due to bruised credit or non-standard income files.
Grow your business with rapid capital. We fund industrial and retail equity take-outs when you need to move fast.
Access the wealth hidden in your walls. Even with two existing loans, we can often find a path to home equity solutions.
Buy your next house before selling. We provide the short-term funds needed to bridge the gap while your current BC property transitions through the market.
Bruised credit won’t stop you here. We approve your loan based on your home’s equity, giving you a second chance to build your future.
Perfect for self-employed professionals in tech or trades. Get a no-income verification mortgage using your property value instead of tax returns.
Lending in a 3rd position requires an expert who knows the Surrey and Vancouver markets inside and out.
A 3rd mortgage is typically a short-term bridge solution (6 months to 2 years) used to solve an immediate financial problem or seize an opportunity.
While our office is in Surrey, we provide 3rd private mortgages across the entire province of British Columbia, with specialized appraisals available for:
Direct Consultation
A chat to determine your goals and borrowing power.
Submit basic info about your home and existing mortgages via our secure portal.
We confirm your property’s current market value in Surrey or Vancouver.
Once the legal review is done, we transfer the funds to your account.
Don’t let a bank’s “no” or an existing second mortgage stop you from moving forward. Whether you are funding a renovation or need a bridge loan, Seven Lending is here to help you with the 3rd mortgage in BC.
Yes. Because the lender is in the “third position” (meaning they are paid third if the property is sold), the risk is higher. However, the rate is often significantly lower than that of credit cards or unsecured loans, making it a smart strategic move for consolidation.
Yes. Since we lend based on equity, we need an accurate, current valuation of your home in the current BC market.
Absolutely. We specialize in helping entrepreneurs in Surrey and Vancouver who write off expenses and show lower taxable income.
*After submitting this form, we will contact you within 24 hours.
*After submitting this form, we will contact you within 24 hours.