Saanich is a unique district, stretching from the rural acreages of Prospect Lake to the urban student hubs near Gordon Head and the luxury estates in Cordova Bay. At Seven Lending, we recognize that high property values in the Greater Victoria area don’t always match a person’s T4 income. Whether you are a retiree with a high-value home or a self-employed professional, we view things differently.
As your local private mortgage lender in Saanich, we prioritize your property’s current market value over your credit score. We specialize in providing common-sense financing that helps you bypass the federal stress test and access the capital you need
*After submitting this form, we will contact you within 24 hours.
Traditional banks in the CRD often reject local loan applications due to age, low reported income, or “non-conforming” properties. The solution is utilizing a home equity loan in Saanich, which allows you to borrow up to 75% of your home’s value.Â
By focusing on your Loan-to-Value (LTV) ratio rather than just your paycheck, we provide a faster path to:
Use your primary residence to fund renovations for student suites near UVic or Camosun College.
Saanich’s zoning now supports garden suites. Use your equity to build a detached unit for rental income or family members.
Seniors in Saanich often use an equity take-out to supplement their lifestyle or cover medical costs without being forced to sell their family home.
Merge credit cards and loans into one manageable private mortgage with rates.
Use your primary residence to fund local ventures or cover tuition at UVic or Camosun College.
Use your primary residence to fund local ventures or cover tuition at UVic or Camosun College.
We offer specialized financing designed for the specific neighborhoods and property types found in our community
Secure your dream home in Saanich with flexible financing. We approve buyers whom traditional banks often decline due to bruised credit or unique income files
Grow your local business with rapid capital. We fund industrial shops, retail units, and office spaces across the Saanich Peninsula.
Access the wealth hidden in your walls. Our equity loans provide immediate funds for renovations, investments, or emergency repairs.
Eliminate high-interest burdens by merging them into one manageable payment. Use our debt consolidation calculator to see your monthly savings.
Buy your next house before selling. We bridge the gap while your current Saanich property sells, ensuring you don’t lose out on your ideal home
Build from the ground up in growing areas like Royal Oak. We provide draw-based funding for custom homes and secondary suites.
Creative lending for non-standard situations. We provide outside-the-box solutions for unserviced lots or properties with unique zoning issues
Secure your next property purchase today. Our deposit financing helps you provide a down payment when your cash is tied up in other assets
Increase your property’s value with a modern upgrade. Access a home renovation loan to turn your house into a high-value asset.
Income limitations shouldn’t stop you from accessing your equity. We approve mortgage funds based purely on the wealth you have built in your home.
Perfect for self-employed professionals near the university or tech sectors. Get a no-income verification mortgage using business bank statements.
Lending on the Island requires an understanding of the CRD real estate market that national firms simply do not have.
We understand the nuances of Saanich zoning, from the protected lands in Cordova Bay to the urban density of Gordon Head.
Our how it works system delivers approvals and funding in as little as 24–48 hours.
We focus on the property’s potential. Your financial history won’t stop us from finding a solution.
We are proud to be your neighbours and strategic partners in your financial journey.
We have successfully provided capital for residents in:
A chat to determine your property’s current value and your financial goals.
Submit basic property info and identification via our secure online portal.
We evaluate your home’s worth and provide an approval green light for approval quickly.
Final legal review followed by the immediate transfer of cash to your account.
If traditional bank barriers have slowed your progress, it is time for an asset-based approach. Whether you are funding a renovation in Broadmead or need a bridge loan in Gordon Head, our team is ready to review your file.
Yes. We provide mortgages by focusing on your home’s equity. If you have significant value in your home, we can provide a loan regardless of your age or income level
Absolutely. We understand the Saanich rental market well. We can use the potential rental income and your property’s equity to secure the financing you need for upgrades or debt consolidation.
Our rates are competitive and based on the Loan-to-Value (LTV) of your home. We offer home equity loans as one of the most affordable options in the CRD
*After submitting this form, we will contact you within 24 hours.
*After submitting this form, we will contact you within 24 hours.
*After submitting this form, we will contact you within 24 hours.