Privan Capital Inc. Mortgage Lender Profile
Generally for British Columbia or Alberta owners with property equity whose credit, income or timing does not fit traditional lending guidelines.
Who they are
Privan Capital Inc. Is a private mortgage lender founded by broker-owner Ivan Sobko, who the company says has more than a decade in private mortgage lending. It operates from South Surrey, British Columbia, and provides licensed mortgage services in British Columbia and Alberta. Privan describes itself as an equity-based, common-sense lender for borrowers who do not fit traditional guidelines. It also offers private mortgage investment opportunities to individual investors, though it does not publish a mortgage investment corporation structure, an offering memorandum or fund documentation. The company states that it carries errors-and-omissions insurance.
What they lend on, and who for
Privan funds first, second and third mortgages on residential property, including owner-occupied homes, rentals and investment properties. It also provides bridge and short-term financing and equity take-outs, and will consider first and second mortgages on multifamily and commercial property. Terms usually run up to twenty-four months, and interest-only and interest-reserve structures are available. The files it takes on are commonly credit-impaired, income-complex or time-sensitive. The information it asks for at the outset is the location and type of the property, the balances already secured against it, the position and loan-to-value of the new mortgage, and your exit strategy.
How to approach Privan Capital Inc.
You can contact Privan Capital Inc. 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 | Privan Capital Inc. |
| Head office | South Surrey, Surrey, BC (no street address published) |
| Website | privancapital.com |
| Phone | 604-200-6762 |
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 Privan Capital Inc.
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 Privan Capital Inc.?
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 Privan Capital Inc.
Is Privan Capital Inc. a real mortgage lender?
Yes. Privan Capital Inc. is a private. Its own site is privancapital.com.
What kind of lender is Privan Capital Inc.?
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 Privan Capital Inc. 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 Privan Capital Inc. 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 Privan Capital Inc. 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 Privan Capital Inc. 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 Privan Capital Inc. 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