Celebrating 30+ Years Of Experience
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Western Canada’s premier
Broker focused private lender

Connecting brokers with tools, borrowers with opportunities, and investors with the knowledge to invest effectively.

I’ve been investing with One Stop for 6 years now because they’re amazing at what they do. My RSP & TFSA wouldn’t be where they are today without OSM.
Meghan F
Investor
I have been investing with OSM for over 10 years. The whole team are all friendly and energetic people that make me feel taken care of.
Vince C.
Investor
They know our preferences and are exceptional at finding the right deals for us. What a financial blessing they have been for us.
Bill & Deborah H.
Investor
The team at One Stop Mortgage is great to deal with. You can rely on their staff of professionals to get the job done with creative options and timely service.
Jeff D.
Broker
Always quick turnarounds with a willingness to get every file across the line in an efficient timely manner. One of the best lending brokerages to work with.
Gurj A.
Broker
One Stop Mortgage is my go-to lender for my private business. They are creative, reasonable, and transparent.
Kevin K.
Broker
For the past seven years, I have had ongoing business relationships with One Stop. I have recommended them to my own family.
Myron S.
Investor
Working with the team at One Stop has been an excellent combination of friendly and easygoing on the personal side, along with organized and efficient on the business side.
Braden R.
Investor
When I was a 'new' investor, OSM always took the time to explain my litany of questions and ensure I was comfortable with the risk I was taking vis-à-vis the return.
Vittorio D.
Investor
I've been a One Stop Mortgage investor since 1994. While the company has expanded over time, they have stayed remarkably true to their original values.
Naill O.
Investor
I have been investing in mortgages with One Stop Mortgage since 2016. Besides being a great way to invest your savings, the staff at One Stop are amazing.
David P.
Investor
I have been working with One Stop Mortgage Corp. for over ten years, and we have nothing but good words for the organization and the staff who drive the business.
Wayne M.
Investor
I have worked with One Stop Mortgage for many years, and I find them very professional and well managed.
Dallas L.
Investor
My family has been working with One Stop Mortgage for 30 years; now that my kids are investing there are 3 generations involved with OSM.
Frank M.
Investor
OSM have done magic for me. Outstanding staff that go above and beyond. Knowledgeable, hardworking, and kind. My experience has ONLY been positive.
Ami A.
Broker
They were fast, accommodating, and easy to deal with. Felt like we’ve worked together for years, I’ll definitely send them my next private file.
William F.
Broker
Renewal options are very competitive and they work with the brokers, clients and their lenders to come up with a feasible solution.
Andy S.
Broker
The investments that we have with One Stop Mortgage have allowed us a freedom in our retirement that we wouldn’t otherwise have.
Karen & Grant C.
Investor
As our top brokerage of choice, OSM have clearly demonstrated their commitment to providing excellent service.
Rupa N.
Broker
My family has been investing with OSM for over 30 years. Everyone within the organization always has my best interest in mind.
Kristen B.
Investor
$3,137,112,051
OVER $3.1 BILLION IN MORTGAGES FUNDED SINCE INCEPTION
$2.3 BILLION IN MORTGAGES FUNDED SINCE INCEPTION
How One Stop Mortgage can help

Choose where to start.

One Stop Mortgage supports mortgage brokers and private mortgage borrowers, with mortgage investment information available through OSM Mortgage Investment Corporation. Start with the path that best matches what you are trying to accomplish.

For mortgage brokers

Broker Solutions

A private lending partner for straightforward opportunities and files that need more flexibility, tighter timing or experienced judgement.

Start the conversation early. We can look at the opportunity, determine whether it may fit, and identify what information should come next.

Same Day Funding
150+ Years of Collective Experience
$310M Funded in 2022
Discuss a File Explore Broker Solutions
Your client relationship remains yours.
For investors

Investor Information

Explore mortgage investment information through OSM Mortgage Investment Corporation, including how the structure works, important considerations and risks, and how to speak with the OSM MIC team.

30+ Years of Service
RRSP & TFSA Investment Options
700+ Mortgage Transactions a Year
Explore OSM MIC
For private mortgage borrowers

Borrower Services

Explore private mortgage options for purchases, refinancing, equity access, time-sensitive financing and circumstances where conventional financing may not fit the complete situation.

Flexible Financing Options Wide Network of Private Lenders Personalized Support & Guidance
Request Mortgage Help
Mortgage broker with an opportunity? Continue below to see how One Stop Mortgage looks at a file. ↓
A practical place to start

Tell us what you have. We’ll tell you what we need next.

You do not need a perfect package before you call One Stop Mortgage.

Start with the property, its estimated value, the amount needed, any mortgages already registered, the reason for the financing and the timing. We will also want to understand how the mortgage is expected to be repaid.

If the numbers look workable, or close to workable, we will tell you what to send for a full review.

OSM Deal Signal

What we look at first.

Every file is different. Our experienced underwriters review six connected factors to determine whether the opportunity makes enough sense to investigate further.

“
We focus on the real strength of the deal: the property, the equity and the plan.

Experience. Judgement. Solutions.

Property

Location, type, condition and how readily the property could be sold.

01
02

Value & equity

Estimated value, current registered debt and the equity available behind the request.

Amount needed

How much financing is required, what it is for and how it fits the property value.

03
04

Mortgage position

First, second or another registered position, including the debt that ranks ahead.

Timing & circumstances

What is happening, when it needs to happen and the circumstances behind the request.

05
06

Exit plan

How the mortgage is expected to be repaid, refinanced or cleared through a sale.

Large modern West Coast home representing the property and available equity behind a private mortgage review
Property + available
equity The foundation of the first mortgage decision.

Worth a full review?

If these factors indicate the opportunity may work, OSM will dig deeper and identify the information needed for the next step.

A positive first look is not an approval or a commitment to fund.

Discuss an Opportunity Explore Broker Solutions
Since 1994 Serving the mortgage industry
$3.1B+ Mortgages funded since inception
150+ Years of collective mortgage experience
700+ Mortgage transactions a year
What to send first

Give us the facts that make the file understandable.

A focused starting package saves time. It also lets us tell you quickly what is missing and whether the file should move forward.

For mortgage brokers

Start with the application, credit bureau and property valuation.

  • Mortgage application Who the borrower is, what is being financed, how much is needed and why.
  • Credit bureau Current obligations, repayment history and any issues we need to understand.
  • Property valuation An appraisal or other acceptable evidence that supports the property value and equity.
Discuss a File First Submit a Complete Package

Your client relationship remains yours.

For private mortgage borrowers

Start with the property, the amount you need and what is happening.

  • The property Address, property type, estimated value, ownership and any valuation you already have.
  • The financing Amount needed, reason for the funds, current mortgages or registered debt and your deadline.
  • The plan What you need the financing to solve and how you expect to repay or refinance it.
Discuss Your Financing Need Start an Application
Where private financing may help

Not every file fits one product or one set of rules.

The right structure depends on the property, equity, mortgage position, purpose, timing and repayment plan. These are examples, not automatic approvals.

Contemporary West Coast home with a coherent driveway and front stairs in a mature British Columbia neighbourhood
Residential Urban and established neighbourhoods
Contemporary Canadian home under construction with timber framing, concrete foundation and organized site access
Construction Projects with a workable budget and exit
Western Canadian acreage with a rural home, workshop, fenced land and a clear gravel access road
Land and acreage Rural properties reviewed individually

Different properties. Different circumstances. Individual review.

Mortgage position

First, second and third mortgages

Different registered positions may be considered when the property value and total debt support the request.

Short-term need

Bridge financing

Financing that connects one closing, property transaction or refinancing event to the next.

Property work

Construction financing

Property-secured financing for eligible construction or improvement projects with a workable budget and exit plan.

Property type

Land and acreage

Individual review for eligible land, rural and acreage properties that may not fit conventional lending.

Borrower circumstances

Self-employed or bank-declined

A broader look at the property and equity when credit, income documents or timing have limited conventional options.

Existing debt and equity

Refinancing, equity takeout and consolidation

Property-secured financing that may reorganize debt or release equity for a clear, supportable purpose.

Discuss an Opportunity See Borrower Services
How a file moves forward

A first look is not full approval. Here is what happens next.

Each stage answers a different question.

Knowing the difference keeps expectations clear and shows what information is needed next.

01
Is it worth investigating?

First look

We review the property, amount, existing debt, equity, timing, purpose and exit plan.

02
What do we need next?

Document request

If the first look is positive, we tell you exactly what information is needed next.

03
Does the complete file work?

Full underwriting

We assess the complete file, valuation, borrower information, mortgage position and repayment plan.

04
Can conditions be satisfied?

Terms and funding

If approved, the parties review the terms and satisfy the required conditions before funds are advanced.

Discuss an Opportunity
Illustrative scene of an experienced mortgage professional reviewing property photographs and non-readable financing information
Illustrative underwriting scenario. No client information is shown.
Why brokers call OSM

A person looks at the file.

Private lending requires judgement. The property and equity matter, but so do the timing, the borrower’s circumstances and the plan to repay the mortgage.

Before the full package

Call when the file is still taking shape.

  • Talk it through early A short conversation can show whether the numbers are workable enough to keep going.
  • Keep your client relationship OSM works as the private lending partner while the broker relationship stays with you.
During the review

The numbers come first, but they are not the whole file.

  • Property and equity We need a supportable value and a clear picture of all debt registered against the property.
  • A believable way out The repayment, refinance or sale plan needs to make sense in the context of the file.
Private mortgage questions

Straight answers before you send the file.

These answers describe how One Stop Mortgage generally reviews private mortgage files. The facts of each file determine what can be offered.

Is One Stop Mortgage an equity lender?

Yes. Property value and available equity are among the first things OSM reviews. Existing debt, the requested amount, borrower circumstances and the exit plan also affect the decision.

Does OSM only take difficult or bank-declined mortgages?

No. OSM reviews straightforward private mortgages as well as files that need more flexibility because of credit, income documents, property type or timing.

Can a broker call before the full package is ready?

Yes. Start with the property, value, amount needed, existing mortgages, timing, purpose and expected exit. OSM can tell you whether it makes sense to build the full package.

What should a mortgage broker send first?

An application, credit bureau and property valuation are a strong starting package. OSM may ask for bank statements or other documents once the file is reviewed.

What should a borrower have ready for the first call?

Have the property address, estimated value, amount needed, reason for the financing, current mortgages, deadline and expected repayment plan ready.

What types of private mortgages does OSM consider?

Depending on the file, OSM may consider first, second or third mortgages, bridge and construction financing, land or acreage, refinancing, equity takeout and debt consolidation.

Where does One Stop Mortgage lend?

One Stop Mortgage reviews private mortgage opportunities in British Columbia and Alberta.

Can OSM give an early indication?

OSM may be able to say that a file merits a full review. That is not an approval or commitment. Final approval depends on the full package and underwriting.

How are private mortgage rates and fees set?

Rates, fees and terms are set file by file. Property, value, mortgage position, amount, borrower circumstances, timing, risk and exit plan all matter.

Why does the exit plan matter?

A private mortgage usually has a defined term. OSM needs a realistic plan for repaying it, such as a refinance, property sale or another supportable source.

Start the conversation

Have a file or a financing need? Tell us what is happening.

We will tell you what we need to take the next step.

Mortgage brokers

Send us the basic numbers or call to talk through the file before you build the full package.

Discuss a File

Private mortgage borrowers

Tell us about the property, how much you need, why you need it and when the financing is required.

Request Mortgage Help
Looking for mortgage investment information? Visit the dedicated OSM Mortgage Investment Corporation website.

Private mortgage availability, terms and approval depend on the individual file, property, equity position, borrower circumstances, supporting documents, acceptable valuation evidence and complete underwriting. Nothing on this page is a commitment to lend or investment advice.

CONTACT
Toll Free: 1-877-874-8988Local: 604-874-8988Fax: 604-874-9109info@onestopmortgage.ca
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