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.
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

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
6.99 %
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?
Recently funded mortgages
Curious about your typical interest rates and what qualifies?

Interested in investing?

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

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Questions about our lending or investment solutions?

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