VWR Capital wins CMP Brokers on Lenders recognition for interest rates and credit policy in 2026
Canadian mortgage brokers deal with lenders every day, and they know the difference between one that talks about service and one that delivers it. In the 2026 Canadian Mortgage Professional Brokers on Lenders survey, VWR Capital, the Langley, British Columbia-based private mortgage lender, earned recognition in two categories that matter most to brokers working in the alternative lending space: interest rates and satisfaction with credit policy.
The result reflects something VWR has been building since its founding in 1993, a lending model grounded in consistency, transparency, and a genuine commitment to making brokers look good.
Three decades of disciplined private lending
VWR Capital is a mortgage investment corporation (MIC), an investment vehicle established under the Canadian Income Tax Act that pools investor funds to purchase Canadian mortgages. As an MIC, it distributes 100 percent of its net income to shareholders, which creates a direct incentive to lend prudently and consistently.
The company specializes in residential first and second mortgages in marketable urban areas across British Columbia, Alberta, Saskatchewan, Manitoba, and Ontario, operating exclusively through licensed mortgage professionals in a B2B model.
With $760 million in assets under management and a team of 25 people, VWR punches well above its weight in the private lending space. It manages a single mortgage fund, a deliberate choice that keeps its focus tight and its capital deployment predictable.
Rates and policy brokers can rely on
Rates and credit policy sit at the heart of what brokers need when placing a client in the alternative lending space.
VWR makes its rates and fee structure publicly available, an uncommon level of transparency in the private lending segment. Its basic fee structure starts at $750 for first and second mortgages, and brokers set their own fee on top of that. The company accepts submissions through Filogix, Velocity, Lendesk, and Finmo and commits to a 24-hour turnaround on commitments.
Tracy Plante, manager of underwriting at VWR Capital, says every deal has a story. “Our underwriting process is built on collaboration, giving brokers a true partner committed to helping get deals across the finish line,” she says. “Our credit policies are developed with today’s market conditions in mind while keeping compliance at the forefront of every decision. We encourage brokers to share as much detail as possible, because the more we know about the deal, the better positioned we are to find a solution.”
Putting brokers and borrowers first
VWR’s product design reflects an equity-based, common-sense approach to lending. With no minimum Beacon score and no income verification requirements, it focuses on the marketability of the property and the equity position of the borrower.
The company offers both open and closed products, interest-only payment options, amortizations of up to 35 years, and foreclosure or enforcement rescues up to a 65 percent loan-to-value. Its dedicated team of business development managers operates with a clear mandate to be accessible and empowered to make decisions.
That responsiveness, backed by a finance team focused on maintaining consistent capital availability and an administration team that supports clients post-funding, is what allows the company to reliably deliver on its 24-hour commitment.
“Our brokers are partners with us,” says sales and marketing director Steven Lang. “Our model is based on ensuring we are always aligned to do the best solution for the borrower while supporting the business growth of our broker partners.”
An onboarding program with a newly created inside sales representative walks brokers through the process. Once the broker is comfortable, business development managers are there to provide support, training sessions, and enhanced relationship offerings.
Capital discipline as a competitive advantage
Behind every competitive rate and fast commitment is a financial foundation that has to hold. VWR’s CFO and finance team carry the responsibility of ensuring that capital is always available to lend.
Chief financial officer Mike Reddy says, “With our longevity in the private lending industry and our consistency in delivering a simple product offering at a fair cost to borrowers, we have built a pipeline of investors who keep our capital strong.”
He adds that the last thing the company wants to do is say it can’t lend due to a lack of funds. “Brokers can also be assured that their borrower will not have their mortgage called, which is a worry of some brokers with other lenders.”
VWR Capital’s recognition in the 2026 CMP Brokers on Lenders survey reflects more than 30 years of doing exactly that and a team that understands its role is not only to fund mortgages but also to help brokers build trust with their clients one deal at a time.
