Deposit Financing

A smart solution when timing matters in real estate.

When you’re buying a new home before your sale completes, timing can be just as important as price.
Deposit Financing helps qualified homeowners access equity before closing, so purchases stay on track.

  • Fast, short-term funding
  • Fully electronic
  • No mortgage registration required
  • Focused on equity + certainty of completion
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Available in British Columbia. Typical loan amounts $20,000 to $100,000.

How Deposit Financing Works

Each file is assessed individually. The process is simple and fully electronic.

  1. Sale-related documents are sent to admin@depositfinancing.ca
  2. Applicants receive a 3-page agreement to review and sign electronically
  3. Paperwork is sent to the Lawyer or Notary for completion
  4. Funds are transferred to the client or real estate trust account
  5. When the sale completes, the loan, processing fee, and accrued interest are repaid through the client’s legal representative

Because repayment is tied to a known sale, qualification focuses on equity and certainty of completion, not income.

When Deposit Financing Makes Sense

Deposit financing may be a fit when:

  • Deposit funds are needed before a sale completes
  • Traditional lenders cannot meet tight timelines
  • A purchase could be lost due to timing
  • A simple, short-term solution is preferred

  • Why Clients Use Deposit Financing

    • No mortgage registration
    • No appraisal
    • No monthly payments
    • No credit check
    • No income verification
    • Quick funding
    • Electronic signatures accepted
    • Open term
    • Partial and separation loans accepted

  • What You’ll Need

    To get started:

    • Government photo ID
    • Void cheque or PAD form
    • Title search of the current home
    • Sale agreement with subject removal
    • Current mortgage statement(s)
    • Purchase agreement (if applicable)
    • Lawyer or Notary name and email
    • Applicant email address(es)

  • Important Notes

    A Lawyer or Notary must be retained before funding begins


    Funds can be sent to a personal or real estate trust account


    Pricing is subject to change without notice


    If a sale does not complete as scheduled, the loan may be registered as a charge against the property

  • Pricing & Parameters

    • Loan amount: $20,000 to $100,000
    • Interest rate: 1% monthly
    • Processing fee: 5%
    • Lending region: British Columbia
    • Larger loan requests ($100,000 to $200,000) are reviewed on a case-by-case basis.

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