Ninth Avenue Capital Mortgage Lender Profile
Generally for Commercial borrowers needing at least ten million dollars, and British Columbia urban residential borrowers outside conventional lender criteria.
Who they are
Ninth Avenue Capital Ltd. Is a private alternative mortgage lender registered as a mortgage broker in British Columbia. It provides commercial and residential real estate financing and positions itself as a solutions-based lender guided by fundamentals and risk assessment rather than by rigid guidelines. It works with mortgage brokers to serve borrowers who do not meet conventional lender criteria, and refers to conducting risk management and due diligence on behalf of its investors, which indicates it deploys investor capital. It does not publish a founding year, a corporate structure such as a mortgage investment corporation, or a street address.
What they lend on, and who for
On the commercial side the firm finances multifamily rental apartments, light industrial and warehouse, retail, mixed-use and office properties, for acquisition, refinancing, stabilisation and value-add renovation. Terms run one to three years and may be interest-only or amortising, with interest reserves available. It publishes a minimum commercial loan size of ten million dollars and a maximum of seventy-five percent loan-to-value. Residential lending is concentrated in the major urban centres of British Columbia, with stated plans to expand, while its commercial lending extends to most Canadian urban centres. Separate commercial and residential contact addresses are published.
How to approach Ninth Avenue Capital
You can contact Ninth Avenue Capital yourself; nothing stops you. What you cannot easily find out is what they will actually accept. What loan-to-value they will genuinely go to on your property, what exit they want to see, what the lender fee comes to, and how fast they can fund — 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 | Private |
| Registered as | Ninth Avenue Capital Ltd. |
| Head office | UNVERIFIED - no street address published |
| Website | ninthavenuecapital.ca |
| Phone | 1-833-527-4153 |
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 Ninth Avenue Capital
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 Ninth Avenue Capital?
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 Ninth Avenue Capital
Is Ninth Avenue Capital a real mortgage lender?
Yes. Ninth Avenue Capital is a private. Its own site is ninthavenuecapital.ca.
What kind of lender is Ninth Avenue Capital?
Private — categorised in our directory as Private Lender. Equity lenders — the property matters more than the borrower. Short terms, higher rates, lender fees, and speed. Right for a genuinely temporary problem, wrong as a destination.
Should I go to Ninth Avenue Capital 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 Ninth Avenue Capital 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 Ninth Avenue Capital 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 Ninth Avenue Capital lend?
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 Ninth Avenue Capital 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