We’re the bank that puts you first.

When it comes to alternative lending, top-performing brokers choose a partner that delivers consistency, priority support, and results. We’re built for brokers who expect more from their lender. We offer a streamlined experience designed to get deals done quickly and with minimal friction.

This level of service starts with your underwriter and BDM. Connect with them to structure your deal for a faster turnaround and a stronger path to approval. Why not take the easy route?

Do you have an alt deal for your BDM? Please fill out the form below.

Experience the benefits of an expertly tailored solution.

Attention to detail is key to alt lending. The more information you provide, the better the outcome (better turnaround time, accurate rate, approved file, etc.). Let us vet your file before submitting your deal. Complete our vetting form and let’s get the conversation started. A BDM will reach out next, and you’ll be in a great position to chat.

Name

This field is for validation purposes and should be left unchanged.

Your name(Required)

First Last

Contact me by:(Required)

Phone

Mortgage broker house(Required)

Company name

Your province(Required)

Your city

Alberta Region

Ontario Region

Refinance or purchase?(Required)

Refinance

Purchase

Property location (city)(Required)

Property type(Required)

Provide details such as single family, condo, townhome, well, septic, zoned AG/ALR, age-restricted condo, mobile (10 years or less), etc.

Mortgage size(Required)

Min $100K | Max $2M (Subject to underwriting. Sliding scale applies over $1M. Geographic, property, and credit restrictions apply)

LTV(Required)

LTV %(Required)

80% LTV within a 50km radius of major centres

Amortization(Required)

Up to 35-year amortization

Income type(Required)

Income type: Notes

Please include any additional details regarding income

Beacon score(Required)

Min beacon 500 with 65% LTV or less | Min beacon 550+ up to 80% LTV | Some conditions apply

Ratios

55%/55% | Extended ratios 60%/60%

Contract rate

Please note: This form is for conversation purposes only and is not considered an official file submission. Files are subject to full underwriting policy.

Many have turned to alt lending, with affordability weighing on your client’s minds. Life is already full of no ways, so we’re always coming up with ‘yes ways’ to make deals happen.

This includes improvements methodically based on feedback directly from the source—AKA brokers like you! New enhancements like more A-rate lending areas, extended ratios and a smoother underwriting system are just a few, and we’re not done yet!

With over 25 years of experience working specifically with alternative deals, we have developed a superior knowledge base that we are eager to share with mortgage brokers to help them win. While innovation and automation in banking have been non-stop, we know that no amount of automation can replace the human touch.

Treating our brokers well is another one of our passions.

Call us old school, but we believe in treating you like family. We share these values with our parent company, the Alberta Motor Association. That includes having honest, respectful conversations without any bank-speak.

We offer the stability and rigour of a Schedule I bank with the flexibility and understanding of an alternative lender delivered with an old-school focus on relationships. As a lender partner, we offer several unique points of value you won’t find anywhere else, including a genuine commitment to getting the story and seeing beyond paperwork to get your deals done.

I'm not the kind of person who just rates people highly. My underwriter really went out of their way on this file and performed well above what was expected. As my relationship with Bridgewater Bank grows, I continue to be impressed with the support and service I get from the BDMs and underwriters.

DAMON WHITBREAD, PRINCIPAL BROKER/OWNER - BRIDGEHOUSE MORTGAGE
All support and communication from the Business Development Manager and underwriting team were amazing. They were upfront, honest and always willing to help.

CLAUDIO SANTAMARIA, MORTGAGE AGENT - CAPITAL MORTGAGES
Bridgewater was excellent to work with - the lender kept me posted during the whole process and they came up with solutions to all challenges we had.

LISA REYNOLDS UPSHAW, MORTGAGE BROKER - RMA BROKER ONE
Recently, I had a deal fund with Bridgewater Bank. I have to say, I had a very good experience overall with both the underwriter and the BDM. They were both fantastic to work with and I will for sure send more deals to Bridgewater Bank.

RUKSANA EL-KHOURY, MORTGAGE AGENT - DOMINION LENDING CENTRES
My underwriter and BDM did an absolutely amazing job! This was a very important referral source with no margin for delays and with Bridgewater Bank’s help, I was able to wow the client.

MAX SINGH, MORTGAGE BROKER - THE MORTGAGE GROUP

Contact a BDM

Contact a BDM

Why not take the easy route?

We’re the bank that puts you first.

Please note: This form is for conversation purposes only and is not considered an official file submission. Files are subject to full underwriting policy.

Treating our brokers well is another one of our passions.