Bridgewater Bank Brokers

We’re built for borrowers who don’t fit the mould.

Your clients don’t always check every box—and that’s where we come in. We offer flexible mortgage solutions designed for:

Self-employed clients with unique income streams
Burgeoning landlords expanding their rental portfolio
Borrowers with past credit challenges looking for a fresh start

No matter the situation, we have a solution to fit their needs.

Your best ally? Your BDM. They’ll help you structure your deal for a fast turnaround and a better chance at approval. Plus, they’ll fill you in on our exclusive rate promos happening now—giving your clients more competitive financing options. Talk to your BDM today!

Unlock new opportunities and discover additional ways to help your clients succeed at our monthly national webinar. Our BDMs and National Director of Sales will walk you through real deal scenarios, niches and answer your top questions—so you can turn more opportunities into funded deals. Join us on May 21, 2025 at 11:00 a.m. MST. Sign up now!

Do you have an alt deal for your BDM? Please fill out the form below.

Not a Bridgewater Bank partner yet? Become a partner.

Experience the benefits of an expertly tailored solution.

Attention to detail is key to alt lending. The more information you provide, the better the outcome (better turnaround time, accurate rate, approved file, etc.). By collaborating with your BDM to package your deal, you’ll make the most of your client’s time (and yours). Help us vet your file before submitting your deal. Complete our vetting form to get the conversation started.

Who is this form for?

You’re already signed up as a Bridgewater Bank partner
You have a file in hand and are ready to discuss the details
The file has a Loan-to-Value ratio of 80% or less

Does this sound like you? If yes, complete our vetting form below with as many details as possible. Next, a BDM will reach out, and you’ll be in a great position to chat.

Your name(Required)

First Last

Contact me by:(Required)

Phone

Mortgage broker house(Required)

Company name

Your province(Required)

Your city

Alberta Region

Ontario Region

Refinance or purchase?(Required)

Refinance

Purchase

Property location (city)(Required)

Property type(Required)

Provide details such as single family, condo, townhome, well, septic, zoned AG/ALR, age-restricted condo, mobile (10 years or less), etc.

Mortgage size(Required)

Min $100K | Max $2M (Subject to underwriting. Sliding scale applies over $1M. Geographic, property, and credit restrictions apply)

LTV(Required)

LTV %(Required)

80% LTV within a 50km radius of major centres

Amortization(Required)

Up to 35-year amortization

Income type(Required)

Income type: Notes

Please include any additional details regarding income

Beacon score(Required)

Min beacon 500 with 65% LTV or less | Min beacon 550+ up to 80% LTV | Some conditions apply

Ratios

55%/55% | Extended ratios 60%/60%

Contract rate

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Phone

This field is for validation purposes and should be left unchanged.

Please note: This form is for conversation purposes only and is not considered an official file submission. Files are subject to full underwriting policy.

Reach your full potential in alternative lending with Bridgewater Bank. We offer a wide range of lending areas, competitive rates and unmatched personalized service. As your partner, we’re committed to assisting you in helping your clients secure their future—no matter how unique or challenging the solution. Alt lending isn’t complicated when you’ve got a team of experts here to support you. Work directly with a BDM and underwriter from document submission to file correspondence.

Who is this form for?

You’re looking for an alt-lending partner
You’re new to Bridgewater Bank or haven’t submitted a file with us in over a year

Join the ranks of Bridgewater Bank’s top-performing brokers. Complete the form below, and your local BDM will contact you to discuss your alternative lending needs.

Many have turned to alt lending, with affordability weighing on your client’s minds. Life is already full of no ways, so we’re always coming up with ‘yes ways’ to make deals happen.

This includes improvements methodically based on feedback directly from the source—AKA brokers like you! New enhancements like more A-rate lending areas, extended ratios and a smoother underwriting system are just a few, and we’re not done yet!

With over 25 years of experience working specifically with alternative deals, we have developed a superior knowledge base that we are eager to share with mortgage brokers to help them win. While innovation and automation in banking have been non-stop, we know that no amount of automation can replace the human touch.

Treating our brokers well is another one of our passions.

Call us old school, but we believe in treating you like family. We share these values with our parent company, the Alberta Motor Association. That includes having honest, respectful conversations without any bank-speak.

We offer the stability and rigour of a Schedule I bank with the flexibility and understanding of an alternative lender delivered with an old-school focus on relationships. As a lender partner, we offer several unique points of value you won’t find anywhere else, including a genuine commitment to getting the story and seeing beyond paperwork to get your deals done.

I'm not the kind of person who just rates people highly. My underwriter really went out of their way on this file and performed well above what was expected. As my relationship with Bridgewater Bank grows, I continue to be impressed with the support and service I get from the BDMs and underwriters.

DAMON WHITBREAD, PRINCIPAL BROKER/OWNER - BRIDGEHOUSE MORTGAGE
All support and communication from the Business Development Manager and underwriting team were amazing. They were upfront, honest and always willing to help.

CLAUDIO SANTAMARIA, MORTGAGE AGENT - CAPITAL MORTGAGES
Bridgewater was excellent to work with - the lender kept me posted during the whole process and they came up with solutions to all challenges we had.

LISA REYNOLDS UPSHAW, MORTGAGE BROKER - RMA BROKER ONE
Recently, I had a deal fund with Bridgewater Bank. I have to say, I had a very good experience overall with both the underwriter and the BDM. They were both fantastic to work with and I will for sure send more deals to Bridgewater Bank.

RUKSANA EL-KHOURY, MORTGAGE AGENT - DOMINION LENDING CENTRES
My underwriter and BDM did an absolutely amazing job! This was a very important referral source with no margin for delays and with Bridgewater Bank’s help, I was able to wow the client.

MAX SINGH, MORTGAGE BROKER - THE MORTGAGE GROUP