01
Position and equity
Different registered positions and equity-based structures may be considered where the full property picture supports the request.
Close Deals Fast!
Close more deals and earn more money thanks to One Stop Mortgage’s instant approvals, quick turnarounds, rush fundings, broker support and administration services.
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
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
As our top brokerage of choice, OSM have clearly demonstrated their commitment to providing excellent service.
Rupa N.
Broker
Recieve A Commitment Package
We issue commitment package for you to get signed upon approval.
Private mortgage lender for brokers in BC & Alberta
Bring us the opportunity. We’ll help you see the next move.
You do not need a perfect package before you call. Start with the property, estimated value, amount requested, existing debt, timing and expected exit.
If the opportunity is worth pursuing, One Stop Mortgage will tell you what is missing and what is needed to keep the file moving.
No complete package required to start
Your client relationship remains yours
The OSM broker deal signal
A fast first look starts with six facts.
Property and available equity establish the foundation. Position, timing, circumstances and the exit strategy help determine whether the opportunity is worth moving forward.
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Property
Location, type, condition and characteristics that support value and marketability.
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Value and equity
Estimated value, registered debt and the equity remaining behind the request.
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Amount requested
How much is needed, why it is needed and how the request fits the property.
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Mortgage position
Where the proposed mortgage would sit and the effect of other registered charges.
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Timing and circumstances
The key dates, urgency and borrower circumstances behind the opportunity.
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Exit strategy
A realistic plan to repay, refinance or clear the mortgage through a sale.
A positive first look is not an approval or promise to fund.
Final terms depend on the complete package, acceptable supporting information and full underwriting.
What to send first
Start with a useful package, not a perfect one.
An application, credit bureau and property valuation provide a strong starting point. Once the file is understood, OSM can identify what else is required.
- Mortgage application The borrower, requested amount, financing purpose and circumstances.
- Credit bureau Current obligations, repayment history and issues that need context.
- Property valuation An appraisal or other acceptable support for the value and available equity.
Do not send borrower-sensitive documents through a general contact form. Use an approved submission portal for a complete package.
Where private financing may help
One structure does not fit every file.
The right structure depends on the property, equity, mortgage position, purpose, timing, borrower circumstances and a supportable exit.
02
Timing and projects
Property-secured financing may help connect time-sensitive closings, construction work or a workable transaction to its next stage.
03
Property and borrower fit
A broader property-and-equity review can be useful when property type, income documentation or credit falls outside conventional criteria.
How a broker file moves
A clear path from first look to funding.
Each stage answers a different question and keeps expectations clear for the broker and borrower.
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First look
OSM reviews the property, value, debt, requested amount, timing, purpose and exit.
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Document request
If the first look is positive, OSM identifies the information needed next.
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Full underwriting
The complete package, valuation, position, repayment plan and conditions are assessed.
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Terms and funding
If approved, terms are reviewed and every required closing condition must be satisfied.
Same-day funding may be possible on eligible files when approval is in place and all required documents,
conditions and closing requirements are satisfied. Timing depends on the individual file.
Experienced private mortgage review
Judgement matters. So does the broker relationship.
Brokers call OSM when they need an experienced lending team that can understand the opportunity, communicate clearly and help move a workable file forward.
Your client relationship remains yours.
Since 1994
Serving the mortgage industry
$3.1B+
Funded since inception
150+
Years of collective experience
700+
Mortgage transactions a year
Broker questions
Straight answers before you send the file.
These answers describe OSM’s general approach. The facts of each opportunity determine what can ultimately be offered.
Can I discuss a file before the complete package is ready?
Yes. Start with the core property, value, debt, requested amount, timing and exit information. OSM can tell you whether the opportunity appears worth pursuing and what should come next.
What does OSM look at first?
OSM starts with the property, estimated value, available equity, requested amount, mortgage position, timing, circumstances and expected exit strategy.
What documents should I send first?
An application, credit bureau and property valuation are a strong starting package. Additional information may be requested once the initial review is complete.
Where does One Stop Mortgage lend?
One Stop Mortgage reviews private mortgage opportunities in British Columbia and Alberta.
What mortgage positions and property types may be considered?
Depending on the full file, OSM may consider first, second and third mortgages as well as eligible land, acreage and construction opportunities.
Can OSM consider self-employed or bank-declined borrowers?
Yes. Private mortgage review can consider the broader property-and-equity picture when income documentation, credit or conventional criteria do not fit the complete situation.
How quickly can OSM fund?
Same-day funding may be possible on eligible files after approval when all documents, conditions and closing requirements are satisfied. Actual timing depends on the file.
How do I submit a complete deal?
Submit a complete package through Filogix or Velocity. If the file is still taking shape, use the Discuss a File option first.
Start where the file is
Talk first or send the complete package.
If you have the core numbers but still need to know whether the opportunity fits, begin with a conversation. No complete package is required to start.
Your client relationship remains yours.
Ready for full review?
Choose your submission channel.
Send the completed package through your preferred secure broker portal.
Filogix
Use the Filogix Expert portal.
Open portal ↗
Velocity
Use the Velocity broker portal.
Open portal ↗
A submitted file remains subject to full underwriting, acceptable valuation and documentation,
approval, signed terms and satisfaction of all required conditions.
Land and Acreage Financing
Loans available for buying land or refinancing, using your property's value.
Bank Turndown Solutions
If the bank said no, we say yes, especially for self-employed people needing a mortgage.
Rush Purchase Financing
Secure fast financing for last-minute purchases, filling in when banks are slow.
Partial/Fractional Interest
Mortgage financing for clients with partial/fractional ownership of their property.
Construction Loans
Fast, easy loans for building projects, based on what you own, not paperwork.
Bridge Financing
Get quick money for urgent buys when the bank can't help, with same-day solutions.
Equity Take Out
1st, 2nd, 3rd, even partial interest mortgage options, allowing your clients to access the equity in their homes.
Refinance
Consolidate all those credit card payments into one lower, easier payment in the form of a 2nd mortgage.
Debt Consolidation
Your clients can access the equity in their home to consolidate debt into one easy to manage monthly payment.
For over three decades, One Stop Mortgage Corp. has proudly served as a premier private mortgage broker and lender.
With a robust network of individual private lenders, we facilitate over 600 private mortgages annually.
With a robust network of individual private lenders, we facilitate over 600 private mortgages annually.
For over three decades, One Stop Mortgage Corp. has proudly served as a premier private mortgage broker and lender. With a robust network of individual private lenders, we facilitate over 600 private mortgages annually.
Expertise
30 years in business & 150+ years of experience
Speed
Instant approvals & same day fundings
Flexibility
Not confined bytraditional bank limitations
Loyalty
The client always remains yours
Common Questions
Where does OSM lend?
We offer lending services across British Columbia and Alberta, catering to a wide range of mortgage needs in these areas.
What are your rates and fees?
Our rates align with current market conditions, ensuring competitive pricing. We charge a straightforward broker fee, shared equally between us and our partner brokers, reinforcing our commitment to transparent partnerships.
Does OSM have an accepted appraisal company list?
Yes, we have a preferred list of appraisal companies to ensure high-quality and reliable valuations. However, we're flexible and willing to consider appraisals already obtained by our clients to facilitate the lending process.
How fast can OSM close?
We're capable of funding on the same day, provided we receive all necessary documents promptly. Our process is designed to be fast and efficient, meeting our clients' urgent financing needs.
What types of mortgages does One Stop Mortgage offer?
We offer a variety of mortgage products, all of which can be found here.
What is your maximum loan amount?
We consider deals of all sizes.
What documents does OSM require for a deal submission?
All we need to get started reviewing your file is an application, credit bureau and property valuation. Additional documents may be requested during the underwriting process.
Submit A Deal
