Full-service mortgage brokerage specializing in residential, commercial, construction, development, and CMHC multi-unit financing.

Brightcap Financial

The Brighter Mortgage Solution Provider
Smart mortgage solutions for your home, business, or development. We manage the process, so you can focus on the bright future you’re building.
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Who We Are

At Brightcap Financial, we believe in illuminating your path to a brighter future. As a top mortgage solution provider in Canada, we are dedicated to providing you personalized solutions which allow you to grow, succeed and revolutionize your financial well-being.
We are a relationship-focused firm, committed to investing in your future from day one. Our clients benefit from personalized, expert advice and gain access to over 100 lenders, including major banks, credit unions, alternative lenders, private-capital firms, private equity funds, and individual direct lenders. Whether you're seeking traditional or innovative financing solutions, we are here to connect you with the right resources to meet your unique needs.
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Why Choose Us?

Deep Industry Experience

We are a vetted mortgage solution provider with seasoned lender relationships.

Visionaries

YOUR financial future is OUR financial future. We are not a one-stop shop, we’re committed to changing your financial outlook for the better.

Customer-Centric Approach

Our customers are at the heart of everything we do. Our job is to make your lives easier, we do the leg-work so you don’t have to.

Quick and Efficient Process

We know time is of the essence. Our streamlined process and dedicated team ensure fast approvals and efficient handling of your mortgage application - in some cases as quickly as 24 hours
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Our Services

Residential

  • Access to 100+ lenders
  • Insured, conventional, alternative and private financing options
  • Personalized and future-based financial planning
  • Purchases, Refinances, Switch/transfers and Equity take-outs.

CMHC Multi-Unit Financing

  • Construction and term financing
  • CMHC Standard Market-rent and MLI-Select Product Offerings
  • Seasoned lender relationships
  • Advantageous and creative underwriting
  • Up to 100% LTC on Insured Construction Financing
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Commercial

  • Retail units
  • Industrial units / buildings
  • Operating lines of credits
  • Owner-occupied / investor based offerings

Construction and Development

  • Single family construction and development
  • Multi-family construction financing
  • Raw Land and development financing
  • Experienced in-depth developer support

Recent Fundings

Take a look at our most recently funded projects
Type of Loan
Land Financing - Commercial
Loan Amount
$4,000,000
Description
Land financing provided for the acquisition of a future 40-unit townhome development site.  
Location
Mission, BC
LTV
55%
Type of Loan
Term Financing - CMHC
Loan Amount
$5,700,000
Description
Term financing provided for a 10-unit townhome project, income producing property, at a 50-year amortization, Standard market-rent program.
Location
Kelowna, BC
LTV
75%
Type of Loan
Land Financing - Commercial
Loan Amount
$4,000,000
Description
Land financing provided for the acquisition of a future 40-unit townhome development site.
Location
Mission, BC
LTV
55%
Type of Loan
Term Financing - CMHC
Loan Amount
$5,700,000
Description
Term financing provided for a 10-unit townhome project, income producing property, at a 50-year amortization, Standard market-rent program.
Location
Kelowna, BC
LTV
75%
Type of Loan
Construction Financing - Private Lender
Loan Amount
$1,500,000
Description
Construction financing provided for a custom-luxury home at P+3.75%.
Location
Whistler, BC
LTV
37.5%
Type of Loan
Construction Financing - Conventional Lender
Loan Amount
$2,139,000
Description
Construction financing provided for an owner-occupied custom-luxury home at 5.24%.
Location
Langley, BC
LTV
65%
Type of Loan
Land Financing - Commercial
Loan Amount
$6,597,500
Description
Land financing provided for the acquisition of a future 21-unit townhome development site with one of our conventional lending partners.
Location
Burnaby, BC
LTV
65%
Type of Loan
Refinance - Residential
Loan Amount
$1,200,000
Description
The borrowers required additional capital to complete renovations on their home  and pay out existing debt, we provided them with a conventional mortgage/HELOC combo on their principal residence.
Location
Surrey, BC
LTV
80%
Type of Loan
Purchase - Residential
Loan Amount
$2,630,400
Description
The borrowers were self-employed and couldn’t locate the conventional financing. We used strategic loan structures and implementation of several loan programs to get them approved with a Big Bank.
Location
Surrey, BC
LTV
80%
Type of Loan
Purchase - Residential
Loan Amount
$503,926
Description
Our pre-approved client secured an assignment pre-sale and we acquired insured mortgage financing for the purchase of their first home in Canada.
Location
Surrey, BC
LTV
95%
Type of Loan
Purchase - Residential
Loan Amount
$660,000
Description
Our client purchased another rental property to add to their existing portfolio. We utilized strategic income programs to provide the client with conventional bank financing.
Location
Surrey, BC
LTV
75%
Type of Loan
Business Line of Credit - Small Business
Loan Amount
$1,000,000
Description
We helped our client secure a Business LOC for their small business secured against one of their rental properties. We used a strategic business qualification approach to give the clients access to a unicorn product with a big bank. LOC at P+0%.
Location
Vancouver, BC
LTV
60%

The Mortgage Process

Not sure where to get started? 
 Here is a breakdown of your real estate purchasing journey:
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Pre-Approval

Before you start house hunting, get pre-approved for a mortgage. This involves a thorough review of your financial situation, including your credit score, income, and debts. Pre-approval helps determine how much you can borrow and shows sellers you are a serious buyer.
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Finding a Property

Once pre-approved, work with a real estate agent to find a home that fits your needs and budget.
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Making an Offer

When you find the right property, your real estate agent will help you make an offer. This may involve negotiation on the price and terms.
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Mortgage Application

Once pre-approved, work with a real estate agent to find a home that fits your needs and budget.
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Underwriting

Your lender will review your application and supporting documents to assess your ability to repay the loan. They may request additional information during this stage.
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Closing

Once underwriting is complete and your loan is approved, you’ll proceed to closing. This involves signing the final documents, paying closing costs, and officially transferring ownership of the property. In Canada, the closing process is typically managed by a lawyer or notary.

Reach Out to Us

Our expertise is at your service. If there's anything we can assist you with or if you have friends or family who need our help, please feel free to reach out to us.
Full service mortgage-brokerage specializing in Commercial, Residential, Construction, Land and Development, and CMHC Multi-unit Financing.
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