Licensed Mortgage Broker

The bank said no.
We find a way
forward.

Private, alternative, and complex mortgages for self-employed clients, investors, and borrowers the banks overlook — across British Columbia and Alberta.

No fee until your mortgage closes
Response within 2 business hours
Confidential — no hard credit pull to qualify
British Columbia · Alberta

Tell us about your situation

Takes 90 seconds. We'll call you with options — usually same day.

Your information is confidential and never shared. No hard credit pull required.

We've got your details.

Expect a call within 2 business hours.
If your situation is urgent, call or text directly at 604-760-6677.

Specialties Private Mortgages Self-Employed Alternative Lending High Net Worth Construction Commercial Farm Mortgages Debt Consolidation Bridge Financing
Why Volterra Capital

Banks follow rules.
We find solutions.

01

Complex files are our specialty

Self-employed, bruised credit, non-traditional income, hard-to-finance properties — we spend every day on files banks refuse. We know which lenders work and how to present your file.

02

Access to 50+ lenders

From major banks to credit unions, B-lenders, and private lenders across BC and Alberta. When one door closes, we have 49 more to try.

03

You pay nothing until closing

Our fee is built into the mortgage. No upfront charges, no application fees, no obligation. If we can't find a solution, you owe nothing.

Who we help

If your situation is complicated,
you're in the right place.

💼

Self-employed & business owners

Banks penalize your write-offs. We work with lenders who understand business income and can qualify you on gross revenue or stated income with equity.

🏗️

Construction & development

Custom home builds, spec homes, and development projects in BC and Alberta. Draw mortgages structured around your project timeline.

🏦

Declined by your bank

A bank decline is not the end. Private and alternative lenders look at equity and exit strategy — not just your T4. Often fundable within days.

🌾

Farm & agricultural properties

Acreages, working farms, and mixed-use rural properties in BC and Alberta. We work with lenders who specialize in agricultural lending.

🏢

Commercial real estate

Mixed-use, multi-family, retail, office, and industrial properties. Commercial mortgages structured for investors and business owners.

💰

Debt consolidation & refinance

High-interest debt costing you every month. One mortgage payment at a lower blended rate — we run the numbers and show you exactly what you save.

Free Consultation

Ready to find out
what's actually possible?

No obligation, no hard credit pull. Just a straight answer on what your options are — from a broker who specializes in exactly your situation.

Start Your Application →