Select a location from above to display BDMs
Contact a BDM
Lower Mainland, Island and northern British Columbia
Yvonne Futter Phone: 604.506.7114 Toll Free: 1.866.867.1777 Fax: 403.718.3042 yfutter@bridgewaterbank.ca
Headshot of Yvonne Futter
Edmonton, central & northern Alberta
Eric Doucet Phone: 403.806.8466 edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Manager, National Accounts
Eric Doucet Phone: 403.806.8466 edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Nova Scotia, New Brunswick, Newfoundland and Prince Edward Island
Paul Delaney Phone: 905.866.7162 Toll Free: 1.844.734.4762 pdelaney@bridgewaterbank.ca
Headshot of Paul Delaney
Manager, National Accounts
Eric Doucet Phone: 403.806.8466 edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Select a location from above to display BDMs
Contact a BDM
Lower Mainland, Island and northern British Columbia
Yvonne Futter
Phone: 604.506.7114
Toll Free: 1.866.867.1777
Fax: 403.718.3042
yfutter@bridgewaterbank.ca
Headshot of Yvonne Futter
Edmonton, central & northern Alberta
Eric Doucet
Phone: 403.806.8466
edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Manager, National Accounts
Eric Doucet
Phone: 403.806.8466
edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Nova Scotia, New Brunswick, Newfoundland and Prince Edward Island
Paul Delaney
Phone: 905.866.7162
Toll Free: 1.844.734.4762
pdelaney@bridgewaterbank.ca
Headshot of Paul Delaney
Manager, National Accounts
Eric Doucet
Phone: 403.806.8466
edoucet@bridgewaterbank.ca
Headshot of Eric Doucet

The Gateway Self-Employed Mortgage Suite™

Flex your mortgage muscles.

Prove your self-employed clients' income in multiple ways using our self-employed mortgage suite.

Talk to your BDM!

📅Mark your calendar: January 15 at 11:00 a.m. MST 

Ready to master the art of alternative lending? Join us for an exclusive alt-lending webinar where we’ll share expert tips and strategies to help you tackle alt-lending files with confidence. Register now to secure your spot!

Bank Statements

An excellent option for borrowers with substantial tax write-offs reflected on their financial statements but whose ability to repay their loan is strong due to the sustainability of their business, sufficient gross incomes and strong cash positions.
Our bank statement option is an alternative underwriting method that considers the challenges of these low-risk borrowers who are responsible business owners.
A simple solution for your clients:

  • Who are self-employed and can prove their income through bank statements.
  • Have a 600+ beacon score.
  • Have been in business for 2+ years (if less than 2 years, speak with your BDM)
  • Have a net business income under $250,000

Download our bank statement forms right now:

Be sure to download your mortgage broker resources above, created to make your Flex submissions smooth and easy.

Check out a recent deal we funded using bank statements here.

Alt-Provable

Our alt-provable option helps your client find the income they need to get their ratios in line. Best for those clients:

  • Who have a 500+ beacon score
  • Who have corporate T2s (if incorporated)
  • Who have T1 Generals (if sole proprietor)

We employ three distinct approaches to qualify income for this option: The addback approach, gross-up approach, and the profit margin approach.

Download our alt-provable forms right now:

The entire list of possible income verification documents can be found here.

Talking to your BDM before you submit will bring the best outcome for your client.

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.). By collaborating with your BDM to package your deal, you’ll make the most of your client’s time (and yours). Help us vet your file before submitting your deal. Complete our vetting form to get the conversation started.

Who is this form for?

  • You’re already signed up as a Bridgewater Bank partner
  • You have a file in hand and are ready to discuss the details
  • The file has a Loan-to-Value ratio of 80% or less

Does this sound like you? If yes, complete our vetting form below with as many details as possible. Next, a BDM will reach out, and you’ll be in a great position to chat.

 

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
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