Lending that keeps you moving forward.
overview
When the banks aren’t an option, we’re here to help.
Private mortgages can be easy when you have a partner who understands the industry and respects a borrower’s need for common sense, speed and flexibility.
As experts in 1st and 2nd residential and commercial mortgages in urban centres, Pacifica has provided ethical options in lending since 1994. Working together with mortgage brokers, we offer application turnarounds in hours, funding in days, open mortgage terms and a human approach to real estate lending.
$500m
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$1.5b
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$25m
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guidelines & appraiser list
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| Residential | 1st Mortgages | 2nd Mortgages |
|---|---|---|
| Max LTV | 75% | 75% |
| Brokerage Fee | Min. 2% – split 50/50 | Min. 2% – split 50/50 |
| Rates | Call Us for Current Rates | |
| Lending Areas | Major Urban Markets in BC | Major Urban Markets in BC |
| Minimum Beacon | NON – LTV reduced if < 500 | NON – LTV reduced if < 600 |
| Min / Max Mortgage | $100,000 – $50,000,000 | $100,000 – $50,000,000 |
| Income | Stated Income | Stated Income |
| GDS / TDS | No GDS / TDS | No GDS / TDS |
| Terms | 1 year open, interest only | 1 year open, interest only |
| Appraiser | Contact | Links |
|---|---|---|
| Adlaw Appraisals Ltd. | 3758 Commercial Street Vancouver, BC V5N 4G2 P: 604-809-8506 | info@adlawappraisals.com, adlawappraisals.com |
| Coast Wide Appraisals Ltd. | P.O. Box 136 Gibsons, BC V0N 1V0 P: 604-886-9831 F: 604-886-3263 | coastwide@dccnet.com |
| Hossack Newby Graham & Smith Real Estate Appraisals | 410-1755 West Broadway Vancouver, BC V6J 4S5 P: 604-738-0109 F: 604-736-1417 | hossack.newby@telus.net |
| Lawrenson Walker Realty Advisors Real Estate Appraisal & Consulting | Main Office #200-1678 128th Street Surrey, BC V4A 3V3 Vancouver Office #204-350 East 2nd Avenue Vancouver, BC V5T 4R8 P: 604-535-1494 F: 604-538-2122 | info@lawrensonwalker.com, lawrensonwalker.com |
| Leemore & Associates Real Estate Appraisers & Consultants Ltd. | B3-1410 Parkway Blvd. P.O. Box 117 Coquitlam, BC V3E 3J7 P: 604-944-7005 F: 604-944-7008 | info@leemore.com, leemore.com |
| Walton Appraisals Ltd. | 1-38920 Queens Way Squamish, BC V0N 3G0 P: 604-892-2311 T: 1-877-898-2699 F: 604-892-2341 | info@waltonappraisals.com, waltonappraisals.com |
| Macintosh Appraisals Ltd. | 401-555 Sixth Street New Westminster, BC V3L 5H1 P: 604-522-3900 F: 604-522-2611 | info@macintoshappraisals.com, macintoshappraisals.com |
how it works
Lending Process
our management partner
Capital West Mortgage
Capital West Mortgage Inc. is an integrated real estate finance company that provides commercial mortgage brokerage services, direct lending solutions and investment management services across Canada.
FAQs
Have any questions? We’re here to help.
If you have a question that is not listed, please feel to drop us a line at info@pacificamortgage.ca and a member of our team will be more than happy to help.
What does Pacifica invest into?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
Who does Pacifica lend to?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
How are the dividends treated for income tax?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
Will I receive statements?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
Can I invest through my RRSP, RRIF Or TFSA?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
Can I invest if I don’t have an RRSP, RRIF or TFSA?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
How do I get my money back?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
What returns can I expect on my investment?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
How much are your management fees?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
Who manages Pacifica?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
How do I invest?
Mortgages loaned by the MIC are secured by commercial and residential real estate property. We take our mortgage investments’ security seriously as demonstrated by rigorous borrower due diligence and underwriting practices. Our underwriters are highly experienced, our borrowers are thoroughly vetted, and as part of our agreement with our borrowers, we are on the title of every property (until the mortgage is paid off).
lending locations
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| Location Name | Address | Phone | |
|---|---|---|---|
| Adlaw Appraisals Ltd. | 3758 Commercial Street, Vancouver, BC V5N 4G2, Canada | info@adlawappraisals.com adlawappraisals.com | P:604-809-8506 |
| Coast Wide Appraisals Ltd. | P.O. Box 136 Gibsons, BC V0N 1V0 | coastwide@dccnet.com | P:604-886-9831 F:604-886-3263 |
| Hossack Newby Graham & Smith Real Estate Appraisals | 410-1755 West Broadway Vancouver, BC V6J 4S5 | hossack.newby@telus.net | P:604-738-0109 F:604-736-1417 |
| Lawrenson Walker Realty Advisors Real Estate Appraisal & Consulting | Main Office #200-1678 128th Street Surrey, BC V4A 3V3 Vancouver Office #204-350 East 2nd Avenue Vancouver, BC V5T 4R8 | info@lawrensonwalker.com lawrensonwalker.com | P:604-535-1494 F:604-538-2122 |
| Leemore & Associates Real Estate Appraisers & Consultants Ltd | B3-1410 Parkway Blvd. P.O. Box 117 Coquitlam, BC V3E 3J7 | info@leemore.com leemore.com | P:604-944-7005 F:604944-7008 |
| Walton Appraisals Ltd. | 1-38920 Queens Way Squamish, BC V0N 3G0 | info@waltonappraisals.com waltonappraisals.com | P:604-892-2311 TollFree:1-877-898-2699 F:604-892-2341 |
| Macintosh Appraisals Ltd. | 401-555 Sixth Street New Westminster, BC V3L 5H1 | info@macintoshappraisals.com macintoshappraisals.com | P:604-522-3900 F:604-522-2611 |