B2B Bank is a Schedule I Canadian bank, majority-owned by Laurentian Bank, that provides a wide range of mortgage solutions exclusively through mortgage brokers. Tailored for both traditional and non-traditional borrowers, B2B Bank focuses on flexibility and broker support in a fully digital environment .
Mortgage Products Available
- Prime fixed and variable rate mortgages
- High-ratio / insured mortgages (up to 95% loan-to-value)
- Alternative lending options for borrowers with non-standard credit or income
- Vacation / secondary home financing
- Rental property mortgages
- Business-for-self and equity-based solutions
- Homeowner’s Kit combining a mortgage with a re-advanceable HELOC
- Bridge loans and Purchase Plus Improvements features
- HELOC standalone products
Notable Features
- Look Back Rate Guarantee protects builder clients from rising rates during construction
- New Construction Extended Rate Guarantee holds rates for up to 12 months
- Purchase (or Refinance) Plus Improvements allows renovation costs to be included in the mortgage
- Full prepayment privileges: increase mortgage payments and make lump sums of up to 15% yearly
- Online tools such as TDSR, affordability calculators, and lending zone checks to ensure qualifying
Ideal Clients & Use Cases
Great for:
- First-time buyers needing insured or prime mortgages
- Self-employed borrowers or those with variable income
- Buyers of rental or second homes
- Homeowners seeking renovation financing
- Borrowers needing flexible bridge financing
Pros vs Considerations
Advantages:
- Wide product selection covering most mortgage needs
- Flexible underwriting for non-traditional borrower profiles
- Broker-exclusive access ensures tailored advice
- Strong digital tools and support infrastructure
To consider:
- Only accessible through licensed mortgage brokers
- Alternative lending may come with higher rates or stricter terms
- Some features may vary by province or borrower eligibility
Is B2B Bank Right for You?
If your mortgage needs include a combination of prime lending, renovation financing, vacation property, or flexible credit support, B2B Bank is a strong option. Still, it’s best evaluated as part of a broader lender comparison to ensure your final mortgage aligns with your goals.
How We Can Help
At The Local Broker, we can help you explore B2B Bank’s full suite of solutions and compare them to other lender options. Whether you’re applying for a mortgage, refinancing, or getting renewal-ready:
- Start your application online
- Contact us for personalized guidance
