Award-winning lending.
Built for complex files.
Neighbourhood Holdings is proud to receive the 2026 Private Lender Award of Excellence — recognizing our integrity, innovation, and a commitment to the broker–borrower relationship.
Your toughest files are our everyday.
When conventional lenders say no, your clients still need financing. We built Neighbourhood specifically for the deals that require more — more nuance, more context, more flexibility.
We look at the whole picture.
Self-employed borrowers, credit challenges, complex income — some deals just need a lender who looks beyond the score. Neighbourhood partners with brokers across Canada to fund deals that don't fit the traditional mould.
A smarter process. A faster answer.
We've invested in the technology and infrastructure to move as fast as you do. That means less back-and-forth, more clarity up front, and a team that comes prepared.
Transparent Communication
Know where your file stands, always — no chasing, no silence.
Tech-Driven Workflows
Built to reduce friction from submission to funding.
Personalized Support
Real people, accessible, who know your market.
Frequently Asked Questions
For more questions about how we work, you can always reach out to our Sales Team at connect@neighbourhood.com
The maximum LTV for first mortgages is 75% for purchases and refinances of single-family homes and townhouses. Maximum LTV is typically 65% for condominiums and private sales/title transfers.
For second mortgages, LTV is capped at 75% for owner-occupied properties and 65% for rental/investment properties.
Yes, second mortgages are funded. Loan amounts typically range from $75,000 to $500,000. Lending for second mortgages is permitted in Urban centers in BC, AB, and ON
Rates are structured by LTV and Beacon score and vary by product term (1-Year or 2-Year). Please contact one of our sales team representatives at connect@neighbourhood.com and they will be happy to share the information with you.
We lend in in Metropolitan, Urban, Suburban, and some Rural areas throughout BC, AB, SK*, ON, QC and NS. If you would like to confirm exactly where we lend, enter the postal code of the property into our chatbot.
Eligible properties include residential single-family homes, duplexes, townhouses, condominiums/strata, and multiplexes (maximum four units). Properties up to 10 acres are eligible. Remediated grow-ops are considered on a case-by-case basis with a re-occupancy permit.
Residential Restrictions: Condos below 500 sq/ft, student housing, and leased land.
Commercial/Institutional: Churches, schools, restaurants, hotels, pubs, and gas stations.
Condition/Use: Properties that are active farms or have significant structural issues like large foundation cracks, mold, or evidence of hoarding
Land and Land Development: Second mortgages must not be land or land development, and based on the instruction to remove the teardown surcharge, serviced lots/teardowns are currently restricted.
