Need cash urgently? Amber gets it done — quickly and reliably.
Get Free Mortgage Quote!
1st mortgage rates from 5.99%
2nd mortgage rates from 8.99%
Submit your request — our advisor will contact you within 1 business day.
How It Works — Fast, Simple, Transparent
Whether you’re a newcomer, self-employed, or facing a tight deadline, we offer private mortgage solutions tailored to your needs. With fast approvals, transparent processes, and one-on-one guidance, we help you access funds when it matters most.
Apply Online
Complete our short form — takes less than 5 minutes.
Personalized Review
An advisor will follow up to understand your needs and suggest the best loan solution.
Fast Approval
Receive a decision in 1–2 business days — no long waits.
Funding Delivered
Once approved, funds are transferred within days.
It’s that simple—fast, transparent, and client-focused.
Why Choose Amber Financial?
Fast Funding
Get approved in 24–48 hours and funded within days — ideal for urgent needs.
Flexible Terms
We offer first and second mortgages, bridge loans, and short-term financing — personalized to your goals.
Tailored for You
Self-employed? New to Canada? Credit challenges? We assess the full picture, not just the score.
Trusted Since 2015
Over 10 years of lending experience across Greater Toronto and Vancouver. Thousands of satisfied clients and $70M+ funded.
Our Lending Criteria
We specialize in residential and commercial private mortgages across major urban centres in Canada.
- Loan Types
- First mortgages – up to 75% Loan-to-Value (LTV)
- Second mortgages – preferred up to 70% LTV
- Property Types
- Detached homes, townhouses, select condos
- mixed-use/commercial properties
- Regions Served
- Greater Toronto Area (GTA)
- Greater Vancouver Area (GVA)
We strictly select projects to ensure strong loans & let clients work confidently with market-savvy lenders.
Learn about our projects, and unlock your financial opportunities
Amber’s mortgage investment portfolio encompasses a variety of property types, including apartments, detached houses, townhouses, land, multi-family housing, and other commercial properties. Our collateral assets are mainly located in core areas of Greater Vancouver and the Greater Toronto Area. This diversified portfolio includes both first and second mortgage loans.
The diversification of loans and the precise control of loan ratios provide strong stability to the Amber fund pool, and significantly improve Amber MIC’s ability to respond to market fluctuations. This multi-level diversification not only helps spread risk but also maximizes return on investment.
Residential: $800K
Residential: $2.2M
Residential: $250K
Residential: $750K
Residential: $7.1M
Residential: $1.5M
Residential: $250K
Commercial: $4.5M
What Our Clients Say
Every good review is the best recognition of our service. Thank you for your trust — we’ll keep getting better.
“Amber Financial made the process easy and stress-free. I got approved quickly and felt supported throughout.”
— Private Mortgage Client, Toronto
“Their team helped me bridge financing between properties — fast response, no hassle, great service.”
— Real Estate Investor, Vancouver
“I’m self-employed and had trouble with banks. Amber looked at my whole picture and got me the funding I needed.”
— Business Owner, Richmond
Are You a Mortgage Broker?
We warmly welcome brokers from the Greater Vancouver and Greater Toronto areas to build long-term partnerships with us. As a private lender, we’re committed to providing fast, flexible lending solutions for you and your clients. Feel free to connect with our regional managers — let’s grow together.
Liam Li — Vancouver
- (672) 968-8889
- liam.li@amberfinancial.com
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Audrey Liu — Toronto
- (647) 327-8666
- audrey.liu@amberfinancial.com
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Frequently Asked Questions
Got questions? Here’s a quick guide to Amber Financial’s mortgage services.
We can approve within 48 hours and fund within a few business days.
Typically: ID, property details, proof of income or assets. We’ll guide you through the checklist.
Yes. We evaluate the full picture, including property equity and income — not just credit score.
Yes. We support corporate structures with proper documentation.
Yes. We provide second-position loans, often up to 70% LTV, ideal for additional capital needs.
Most loans are between 3 to 12 months, with options to renew or repay early based on your needs.
Bridge financing, home upgrades, business expansion, debt consolidation, tax payments, and more.
Yes, as long as you own Canadian property. International borrowers welcome.
Yes — visit our Personal Loan Page to apply for a credit-based loan without collateral.
