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First & Second
Mortgages

First and Second Place
Mortgages

Cambridge offers a host of first and second-place mortgage solutions for borrowers who do qualify with traditional lenders. Our industry experience and simplified underwriting system allow easy application and maximum efficiency to procure an initial loan to secure a property or a second mortgage to consolidate debt.

  • Accessible to credit challenged clients
  • Flexible and customized loan conditions
  • Easy application process and underwriting
  • Superior customer service
  • No minimum beacon score requirement
  • Maximum LTV of 75%
  • Re-advanceable product options

Benefits of a Mortgage
With Cambridge

Easy Process

With a simplified process for submitting applications and meeting criteria, we make alternative mortgage lending easier. We are also signed up with all prominent deal flow channels.

Experienced Team

With 30 years of institutional and private mortgage experience, we have become industry leaders in providing brokers with solutions for their clients in British Columbia.

Flexible Solutions

Our flexible lending guidelines allow brokers to offer self-employed, stated income, and credit-challenged clients tailored alternative solutions.

Rush Deals

We can quickly and decisively approve mortgages, financing and extend lines of credit to clients.

Frequently Asked Questions

At Cambridge, we understand that life events can damage your client’s mortgage opportunities. We allow for payouts on CRA arrears in many cases, please contact us with your client’s specific needs.

A second mortgage can be a fantastic opportunity to consolidate debt. Merging higher interest debts into a single lower interest payment allows clients to pay off high-interest debt, like credit cards. Furthermore, instead of having that money tied up in their home, it will enable clients to access home’s equity immediately, using it for potential expenditures, such as home renovations, emergency funds, school tuition, business or real estate investments and medical expenses.

Much like first mortgages, appraisal, assets, debts, equity, current income, and credit history will be assessed to determine if clients can access a second mortgage. Our experts offer personalized solutions for clients that struggle with meeting traditional lending criteria.

No.
A second mortgage is a separate, new mortgage that has it’s own payment and terms.
A refinance allows you to payout your existing mortgage and create a new one in it’s place.

Submitting Mortgage Files With Cambridge

1

Please speak to our BDM to understand how we can finance your clients’ mortgage needs. 

2
Provide essential details for the application, including appraisal, credit history, assets, debts, liabilities, and current employment status. We will commence the underwriting process for the application.
3
Our mortgage lenders will provide approval terms and conditions for the loan. If agreed upon, you and your clients will be notified of our mortgage approval.

What Our Customers Are Saying

“I’ve worked with Cambridge for several years, and they are truly one of the best, most efficient, private lenders in Western Canada. Their customer service approach and advice is second to none.”
Max Lord
“As a mortgage broker, Cambridge made the entire process of maintaining a loan for my clients incredibly smooth. They were quick, available and supportive to myself and my team. I appreciate their efforts and effectiveness.”
- Gal Wig
“Cambridge has quickly become my sole lending partner for providing private mortgage solutions. Their effectiveness with flexible conditions have made them very easy to work with.”
- Kristen Stairwell
“I have enjoyed plenty of investment success with Cambridge. Their insight in the market and diverse portfolio has proven beneficial for me and my company. They are reliable, consistent, transparent, and honest. Always my first call for investment expansion!”
- Pedro Fascal

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