Connecting real people with the fair and flexible financing they need.
OUR BACKGROUND
Helping Canadians access the financing they need
Neighbourhood was born out of a single-family investment office in 2015. The principles on which Neighbourhood was founded remain true today: providing accessible mortgage financing solutions for Canadian homeowners while generating stable returns for investors.
We noticed that many Canadians were being left behind by the inflexible mortgage landscape dominated by banks. The economy was changing but the rules weren’t. So that’s our niche: providing access to mortgage financing to those who are temporarily outside of the bank lending space. Gig economy workers, entrepreneurs, life events, bridging transactions, and other transitions — wherever you’re at, we’ve got you.
At Neighbourhood, we are nimble. Constantly evolving to make sure we are providing solutions that address the needs of the market. We are data-driven, energetic, fuelled by ambition and obsessed with customer service. We love diving into the details to understand how we can do better. Our work will never be done, and that inspires us.
We started as a family office and that culture remains today. Like a family, we stick together as a team and take care of our stakeholders: borrowers, investors, brokers. The door is open at Neighbourhood — feel free to come on in.
Creating access
Unlike banks, Neighbourhood isn’t limited by stringent OSFI regulations. This allows us to assess each borrower’s situation holistically. We provide access to capital for self-employed individuals, people working through life events such as divorce, or those that are bridging the gap between real estate transactions.
Flexible payments
We focus on interest-only mortgages because it makes sense for short-term liquidity solutions. Interest-only loans reduce monthly payments considerably when compared to an amortizing loan. A lower monthly payment means more financial freedom to help our borrowers manage their time of transition.
WHY NEIGHBOURHOOD HOLDINGS
Transparency, honesty, and integrity
Here at Neighbourhood Holdings, we are a data-driven group, passionate about deepening our understanding of all aspects of our business. We are committed to being transparent throughout the entire process, whether with our Brokers or Investors. Openness and honesty are valued in all relationships we create while maintaining a high level of integrity, allowing us to continuously be a leading alternative lender in Canada.