B2B Bank Mortgage Lender Profile
Generally for Self-employed borrowers and rental property owners who want a chartered bank mortgage but do not fit standard bank templates.
Who they are
B2B Bank is a Schedule I Canadian chartered bank and a wholly owned subsidiary of Laurentian Bank of Canada. It traces its roots to Laurentian's 1996 purchase of North American Trust portfolios and took the B2B Bank name in 2012. It has no retail branches. Instead it works only through financial intermediaries such as mortgage brokers, deposit brokers, financial advisors and investment dealers, and it serves a network of roughly 27,000 financial professionals across Canada. It is a member of the Canada Deposit Insurance Corporation. Its parent company is subject to a pending change of ownership.
What they lend on, and who for
On the lending side, B2B Bank offers residential first mortgages, mortgages on rental property, mortgages on vacation and secondary homes, business-for-self mortgages and home equity lines of credit. It says it is willing to consider borrowers whose circumstances do not fit the usual bank templates, including self-employed applicants and people who own rental property. Because it takes business only through licensed intermediaries, you cannot walk in and apply. A licensed mortgage broker prepares and submits your file, and current guidelines are worth confirming with them before you commit to anything.
How to approach B2B Bank
You can contact B2B Bank yourself; nothing stops you. What you cannot easily find out is what they will actually accept. How they read employment income, what they will do with a bonus or commission, how much rental income they will count against a property, and what they want documented and how recent it has to be — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Bank · Schedule A |
| Registered as | B2B Bank |
| Head office | 1360 Rene-Levesque Blvd. West, Suite 600, Montreal, QC H3G 0E5 |
| Parent or group | Laurentian Bank of Canada |
| Website | b2bbank.com |
| Phone | 1-800-263-8349 |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for B2B Bank
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with B2B Bank?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about B2B Bank
Is B2B Bank a real mortgage lender?
Yes. B2B Bank is a bank (schedule a) based in Quebec, part of Laurentian Bank of Canada. Its own site is b2bbank.com.
What kind of lender is B2B Bank?
Bank — categorised in our directory as Bank (Schedule I). Chartered banks. Convenient and familiar, rarely the cheapest, and the source of the most expensive break penalties in the market because their interest rate differential is calculated off posted rates rather than the rate you actually pay.
Who owns B2B Bank?
B2B Bank is part of Laurentian Bank of Canada. Ownership matters mainly because it tends to determine the funding source and, on a fixed mortgage, how the break penalty is calculated.
Should I go to B2B Bank directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with B2B Bank regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would B2B Bank approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does B2B Bank lend?
Its head office is in Quebec. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would B2B Bank take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file