An Alternative Lender Made For Brokers

Partner with an alternative lender built for Brokers

Call us when the banks say ‘no’

The bank has several reasons to say no:

Unverified income
Credit issues
Down payment/equity is borrowed
Property type/zoning unusual
Location issues
CRA tax arrears
Use of funds

The list goes on. But we’re here to help you find creative solutions – to helping you get your clients into their home.

1 (866) 777-9657

Shelter Lending Corporation offers private lending solutions

We aim to provide competitive mortgage, interest rates, and fees for borrowers

Why choose us?

Creative custom terms
higher LTV loans

Fast & easy mortgage
solution based lending

No minimum
beacon score

Same business day
responses

Dedicated relationship
manager

Giving back to
communities

Contact us today

Where we lend

Shelter Lending Corporation works directly with you, the broker, to help you find solutions for your borrowers. We currently lend in Western Canada: in British Columbia, Alberta, and Manitoba.

First & second
mortgages

Higher LTV
up to 80%

Condos, townhomes, & single-family dwellings

Recreational
properties

Multifamily up
to six Plex

Rentals

Blanket
mortgages

Not accepted at this time

✖ Commercial Properties

✖ Construction

✖ Land Development

✖ Raw Land 

✖ Commercial Farms

Where we lend

Shelter Lending Corporation works directly with you, the broker, to help you find solutions for your borrowers. We currently lend in Western Canada: in British Columbia, Alberta, and Manitoba.

First & second
mortgages

Higher LTV
up to 80%

Condos, townhomes, & single-family dwellings

Recreational
properties

Multifamily up
to six Plex

Rentals

Blanket
mortgages

Not accepted at this time

✖ Commercial Properties

✖ Construction

✖ Land Development

✖ Raw Land 

✖ Commercial Farms

Rates & LTVs

Starting Rates

Type

Details

First Mortgage

6.49 %

Second Mortgage

8.99 %

Fees From 1 % (Ask about No-Fee Option)

LTVs

Metropolitan Areas

(Calgary, Edmonton, Vancouver, Winnipeg, Victoria)

Up to 80% (Near Bank Quality)

Cities

(Kelowna, Red Deer, Brandon, Prince George, Lethbridge, Nanaimo, Medicine Hat)

Up to 80% (Near Bank Quality)

Towns

(Steinbach, Nelson, Castlegar, Cranbrook, Campbell River, Camrose)

Up to 75% (Near Bank Quality)

How the process works

Submit
Your Deal

Submit your completed application electronically utilizing your preferred platform.

Ensure you have shared the full story on the file including the exit strategy.

We review each submission personally (no automated underwriting) and aim for same day responses.

Get a Decision & Customized Terms

A dedicated underwriter will connect with you to discuss the loan structure and rate options.

We design flexible solutions utilizing creative terms and competitive rates, to help you close the deal confidently.

Brokers stay in full control; your client remains your client.

Fast Funding
& Ongoing Support

Once conditions are met, we move quickly to funding, typically within days.

Our team handles all documentation efficiently so you can focus on your next deal.

We strive to build long-term relationships, not one-time transactions.

Industry Partners

Approved appraisers

Curious about your typical interest rates and what qualifies?

Download the list

Recently funded mortgages

Curious about your typical interest rates and what qualifies?

Learn more

Interested in investing?

Individuals interested in investing in either fund can learn more through Northern Alliance Trust.

Learn more

As a high volume broker I love working with Shelter Lending for tough to place mortgage files that require a common sense lending approach. Shelter is quick and efficient from start to finish. Their pricing, policies, and products are excellent and extremely competitive, especially in smaller lending markets. It has always been a pleasure working with Shelter!

-- Jeremy Garth --

As a mortgage broker I’ve worked with Shelter Lending many times and always had excellent experiences. They use common-sense policies, reasonable rates, and are always looking for solutions to our clients’ needs. I would recommend them highly and look forward to working with them again in the future!

-- Ryan Smith --

I have been in the mortgage financing industry for over 13 years and have worked with many private lenders. Shelter Lending is one of the best ones I’ve dealt with. Jayson (their BDM) is super responsive and always eager to help and find creative solutions. Highly recommend.

-- Kim Nguyen --

Great service, creative financing, wonderful people to work with!

-- Michael Huber --

Love dealing with Shelter Lending. Quick to respond with fair industry rates. They are creative and understanding of peoples situations. Thank you as always guys!

-- Matthew Jackson --

As a mortgage broker, Shelter Lending has provided timely and affordable solutions for my clients. They are quick to respond and offer common sense lending when needed most! I will continue to offer their services to my clients.

-- Mark Golbey --

Love working with Shelter Lending, Jayson is very helpful and very professional. I would highly recommend them.

-- Blue Pearl Mortgage Group --

The amazing people Shelter Lending went above and beyond to help my clients! I cannot express how grateful I am for their help. I definitely recommend using the service they provide!

-- Charlene Funk --

Very positive experience with Shelter! They were very fast in processing the approval and their portal was very convenient and user friendly. Definitely recommend!

-- Greg Foss --

I’m a mortgage broker and this company has blown me away with their good service. Excellent communication, transparency across the board, reasonable cost… they represent the private lending community well. These people are problem solvers, and it’s appreciated. I recommend without reservation.

-- Garett Couturier --

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Questions about our lending or investment solutions?

Get in touch with us today. Fields marked with an * are required.

Creative custom terms higher LTV loans

Fast & easy mortgage solution based lending

No minimum beacon score

Same business day responses

Dedicated relationship manager

Giving back to communities

First & second mortgages

Higher LTV up to 80%

Condos, townhomes, & single-family dwellings

Recreational properties

Multifamily up to six Plex

Rentals

Blanket mortgages

First & second mortgages

Higher LTV up to 80%

Condos, townhomes, & single-family dwellings

Recreational properties

Multifamily up to six Plex

Rentals

Blanket mortgages

Rates & LTVs

How the process works

Submit Your Deal

Get a Decision & Customized Terms

Fast Funding & Ongoing Support

Interested in investing?

-- Jeremy Garth --

-- Ryan Smith --

-- Kim Nguyen --

-- Michael Huber --

-- Matthew Jackson --

-- Mark Golbey --

-- Blue Pearl Mortgage Group --

-- Charlene Funk --

-- Greg Foss --

-- Garett Couturier --

Join Our Mailing List

Questions about our lending or investment solutions?

Creative custom terms
higher LTV loans

Fast & easy mortgage
solution based lending

No minimum
beacon score

Same business day
responses

Dedicated relationship
manager

Giving back to
communities

First & second
mortgages

Higher LTV
up to 80%

Recreational
properties

Multifamily up
to six Plex

Blanket
mortgages

First & second
mortgages

Higher LTV
up to 80%

Recreational
properties

Multifamily up
to six Plex

Blanket
mortgages

Submit
Your Deal

Fast Funding
& Ongoing Support