Mortgage Brokers

Private Mortgage Lender

Fisgard Capital is one of the largest private alternative lenders in Western Canada. Lending from BC to Ontario, Fisgard is dedicated to supporting mortgage brokers and their clients. We provide competitive products, flexible lending guidelines and dedicated customer service.

Having a good relationship with you, our broker clients, is critical to the success of our business. Fisgard’s creative, knowledgeable and experienced mortgage investment specialist team wants to see all of your deals that don’t fit the typical “bank box”. Chances are that Fisgard can fund these deals, and fund them quickly. We are here for you and we’re here for your clients.

The Fisgard Mortgage guarantees:

  • Reasonable lender fees
  • Short approval and processing timelines
  • Competitive and reasonable rates and terms
  • Plain language approvals
  • Prompt experienced service

Our Mortgage Products


Additional Details

  • These are Guidelines Only – Rate and fees can be adjusted to make the deal work!
  • Based on 1 year term
  • *Lender Fee may be charged on deals that require exeptions
  • *No Renewal Fee on 1st renewal, if paid as agreed and value has not declined
  • *Fully Open – After one month
  • Alberta – Max 65% LTV on condos & townhouses
  • 1st Mortgages – Rentals OK!
  • 2nd Mortgages – Owner occupied properties only (BC Only)
  • Bridge financing available – Call for details
  • Broker’s fee will be collected by Fisgard and paid to the broker upon funding
  • Alberta – Up to 75% in Calgary, Edmonton only (single family dwellings)



Residential & Commercial Construction Program

Fisgard Capital finances residential and commercial construction loans up to 75% of the total cost of construction, including:

  • Rates from 8.5%
  • Up to 75% of total cost including land
  • Fully open terms (no prepayment penalties!)
  • Most urban centres in BC, AB, MB and ON
  • Lender Fee from 2%
  • No standby fees for funds not drawn
  • Single Family Owner/Spec/Rentals, Mixed Use, Vacation Homes, Multi-family
  • Owner builds considered
  • New Home Warranty coverage required
  • Interest reserve held during course of construction
  • Copy of building budget and plans required
  • Lender fee deducted from the first draw (your broker fee is collected for you!)
  • Take-out financing available upon completion (great for spec builders who need time to sell!)
  • Resources

Download our Construction Loan Package

Download our Budget Document


Commercial Mortgages

BC and Alberta Urban Centres Only. Fisgard is seeking commercial mortgages up to $5,000,000
We will consider application on the following property types:

  • Retail Centres
  • Office
  • Mixed Use
  • Fully Tenanted Industrial
  • Condo Inventory
  • Lot Inventory
  • Hospitality properties


Our experienced commercial underwriting team is here to assist borrowers that require specialized knowledge in construction, development, and inventory financing. We also consider multi-family construction and land development loans.

The Details

Loan Amountup to $5,000,000
Mortgage Positions 1st
Mezzanine financing available on exception
Loan to Valueup to 75%
Interest Ratesstarting at 7.5%
Mortgage Termup to 2yr, open or closed
Prepayment Penaltystandard 3 months interest on closed term
Lender Feefrom 1%

Rate Sheet