Why VWR Capital keeps winning on rates and credit policy
The company specializes in residential first and second mortgages in marketable urban areas across British Columbia, Alberta, Saskatchewan, Manitoba, and Ontario, operating exclusively through licensed mortgage professionals in a B2B model.
With $760 million in assets under management and a team of 25 people, VWR punches well above its weight in the private lending space. It manages a single mortgage fund, a deliberate choice that keeps its focus tight and its capital deployment predictable.
Rates and policy brokers can rely on
Rates and credit policy sit at the heart of what brokers need when placing a client in the alternative lending space.
VWR makes its rates and fee structure publicly available, an uncommon level of transparency in the private lending segment. Its basic fee structure starts at $750 for first and second mortgages, and brokers set their own fee on top of that. The company accepts submissions through Filogix, Velocity, Lendesk, and Finmo and commits to a 24-hour turnaround on commitments.
Tracy Plante, manager of underwriting at VWR Capital, says every deal has a story. “Our underwriting process is built on collaboration, giving brokers a true partner committed to helping get deals across the finish line,” she says. “Our credit policies are developed with today’s market conditions in mind while keeping compliance at the forefront of every decision. We encourage brokers to share as much detail as possible, because the more we know about the deal, the better positioned we are to find a solution.”
