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Construction Loans.

Custom Home Construction Financing.

Real Estate Development Financing.

Builder Inventory Loans.

"Our first-call for construction financing"


Vancouver Builder

Construction Loan, Mortgage Broker and Private Lender

Construction Mortgage Lender.

Custom Home Construction Loans.


Fix N Flip Financing.

Up to 100% of Hard Costs.


Flexible Construction Draws.


Development Financing.

what is a construction loan?

Direct Private Mortgage Construction Lender.

A construction loan is a financing facility that helps homeowners, builders and developers bring their construction plans to fruition. Typically construction loans are advanced in progress draws. Hence, as the build progresses, the property value and equity increase, allowing for further construction draws until the point of completion. Traditional lenders must abide by stringent underwriting policies. This may become problematic for certain situations, builders and projects that require an a more rational and common sense underwriting approach. DV Capital will provide you with access to an abundance of private construction mortgage lenders from our internal and external funding sources. From financing a custom home build to providing a revolving line of credit facility for subdivision development, DV Capital helps homeowners, builders & developers across Ontario, British Columbia and Nova Scotia.

Infill Construction.

Residential & Commercial Infill Construction Financing.

From homeowners to build their dream homes to custom home builders looking to build a property for their clients enjoyment, or to sell on the market, DV Capital can assist with infill construction financing. Whether you’re looking to build an addition to an existing property or demolish an existing property and rebuild a new residential, commercial, or industrial property as opposed to selling and relocating, DV Capital can assist you with infill mortgage financing. In either case, our infill construction loan program is simplistic and designed to help homeowners and custom home builders in Ontario, British Columbia & Nova Scotia excel with their infill construction projects while we help with the infill mortgage loan. 

Custom Home Construction.

Mortgages for Custom Homes.

If you are wondering if you can finance a custom home, the answer is yes. Whether you’re an existing homeowner or a soon-to-be homeowner looking to build a dream custom home, DV Capital can help you with a tailored custom home mortgage. We take a common sense approach to understand your custom home mortgage plans and have great success in approving custom home mortgage requirements that were denied elsewhere. Although not one custom home project is alike, it is possible that DV Capital can provide and fund up to 75% loan to value of the Lot purchase price or appraised value, up to 100% of construction hard costs, up to 80% of the after construction value as well as factoring in an interest reserve with interest only payable on funds advanced.  

Commercial Construction Lender.

Commercial Real Estate Financing.

If you are looking to build a small or large commercial building we will help you assess viable financing. As a business owner you might be ready to progress into the world of commercial real estate ownership to help grow your business. Similarly, you might be an investor with a plan to build a commercial property to sell upon completion, or hold and rent. In any event, DV Capital will work to take care of your commercial construction loan requirements regardless of being turned down elsewhere. 

Spec Home Construction Loans.

Private Lenders for Spec Homes.

If you are a builder looking to finance the construction of a home that will be listed and sold to the public during or after completion of your build, we invite you to contact us to discuss how we might be able to position you with a flexible low rate construction mortgage for your spec build.

Rural Construction Mortgage Loan.

Rural Construction Lenders.

DV Capital provides mortgage construction loans in locations outside of major urban centres. If you are looking to purchase land, or already own land, we can be your construction partner. We will help you with the land acquisition mortgage as well as the construction. We work closely with homeowners and builders who plan to occupy the property as their primary residence or sell the completed property. In addition, we provide home renovation loans to help you achieve your home improvement goals.

Property Types:

Construction loans for most property types:

  • Custom & Luxury Homes
  • Multi Family
  • Mixed-Use
  • Commercial Buildings
  • Industrial Buildings
  • Hotel & Motel
  • Places of Worship (ie. Church, Mosque) 
  • Subdivisions
  • Mid-Rise & High-Rise Condominium Construction
  • Purpose-Built 
  • Retail Plaza

Custom Home Construction Mortgages.

DV Capital is often approached by homeowner, real estate investor or custom home builders seeking construction financing options. Given the cost of land, labour, materials, soft and hard costs, construction financing requires capital, planning and expertise. While each situation is different, homeowners typically approach us facing the following two situations.  

Currently Owned Property: Demolish + Rebuild: In this situation, the client currently owns a property that they wish to demolish and rebuild. Accordingly, we assess the location of the property, the value of the land, the details and balances of any existing mortgages, the cost to build the new home which generally revolves around the square feet and quality of finishings, and the value of the completed property once built. Using this information, we can determine the amount of existing equity as well as the ‘loan to cost’ and the ‘loan to value’, the two main formulas used by construction mortgage lenders to determine the feasibility, risk and profit of the contemplated construction project. In some cases, we can finance up to 100% of the construction hard costs, however in other cases, our client may be required to inject their own funds into the project – this largely depends on the details of the project, primarily the equity and loan to value.

Purchase a Property: Demolish + Rebuilt or Build on Vacant Lot: In this situation, a party is interested in either purchasing an existing property with a structure that they intend on tearing-down, or purchase a vacant lot to build a property on. If they are able to purchase the property without a mortgage, naturally, there will be much more equity in the property that will help minimize a construction lenders exposure. However, if they are requiring a mortgage to help them purchase the property or lot, we can assist them with a purchase + build mortgage. This is a two-parter. The client must be able to inject sufficient funds for the purchase and towards the total construction financing costs in order to satisfy construction lenders loan to value and equity requirements. In either case, the client will then own the property and the construction financing and build will commence accordingly. 

Whether you are a homeowner or a real estate investor or developer that owns an existing property or wants to purchase a property to build, or a custom home builder wanting to build a spec-home prior to having a seller, DV Capital is pleased to assist your construction financing requirements in Ontario, British Columbia and Nova Scotia.  

General Inquiry.



your mortgage Resource Guide.

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