Welcome.

There is no appropriate substitute for excellence.

Daniel Vyner

A leading Toronto Mortgage Broker & Financier servicing clientele across Ontario & British Columbia.

Daniel Vyner began his career in the mortgage industry in 2010 with a prominent, family-founded mortgage firm based in Toronto. Early on, he focused on originating mortgages through direct consumer relationships and professional partnerships with realtors, accountants, and real estate lawyers. Daniel quickly developed a deep interest in the mechanics of the mortgage process and the diverse backgrounds and situations of his clients. He recognized that while many cases shared similarities, each required a unique, tailored solution. After more than a decade of hands-on experience underwriting, originating, and facilitating thousands of traditional, alternative, and private mortgages, DV Capital was born.

Compass.

Transparency.

Every day, I find myself on the other side of the desk - inquiring about services, making purchases, or navigating negotiations. These experiences remind me of what clients value most: clarity, honesty, and trust. They also serve as a constant benchmark for how DV Capital can continue refining its gold-standard level of client care. We take pride in avoiding high-pressure tactics or acting as "cheerleaders." Instead, we provide clear, upfront disclosures about all viable mortgage options - empowering our clients to make informed decisions at their own pace and comfort level.

Tenacity.

The right balance of understanding, patience, and respect is what sets DV Capital apart — and it directly contributes to our clients' success. Those who have trusted us, whether directly or through introductions made by our professional partners, can attest to the care and diligence we bring to every transaction, from start to finish. Our clients rely on us to deliver results. We work relentlessly and negotiate assertively with third parties to secure the best possible outcomes.

Funding Sources.

Traditional 'A' Lenders (Conventional & Insured).

I facilitate financing for clients, properties and situations that qualify for conventional financing through traditional mortgage lenders. I assist homebuyers and homeowners in acquiring or refinancing their principal residence or second home, real estate investors in purchasing or refinancing investment properties, and builders and developers in securing construction financing. While traditional mortgages offer the most competitive pricing and terms, they come with the most rigid qualifying criteria.

Alternative 'B' Lenders.

I help homebuyers and real estate investors purchase and refinance real estate when they are denied financing through traditional channels - often due to the property type, location, zoning or condition, or because of the client's income or credit profile. In many cases, the client is newly self-employed or unable to demonstrate consistent income, which falls outside the comfort zone of traditional lenders. In other situations, the client may have an imperfect credit history, debt service ratios that exceed conventional limits, ownership of too many investment properties, or outstanding balances with the CRA. Alternative lending is typically more flexible than traditional lending, though it usually comes with a moderate pricing premium.

Private Lenders.

I work with homeowners, real estate investors, custom home builders, and developers who are unable to qualify for traditional or alternative financing for one or more reasons. In some cases, they may qualify, but the speed and flexibility of private mortgage financing may be better suited to their specific needs. We’re often relied upon to help clients develop a clear understanding of private mortgage financing, including associated costs, terms, conditions, and material risks. There are many reasons why a client may require private financing. Common examples include bridge financing between purchases, covering tax or mortgage arrears, completing major renovations, funding new construction projects, or securing short-term capital for investment opportunities. Private mortgages are not dictated by government-prescribed underwriting guidelines, making them a much more flexible option than traditional and alternative mortgages. While pricing reflects the higher risk, private financing offers custom terms, fast approvals, and expedited funding in exchange for more lenient qualification requirements.

Client Types.

Homeowners.

I help existing homeowners optimize their current mortgage arrangements and develop strategies aligned with their unique circumstances and short-term and long-term goals. For those looking to enter the real estate market or purchase additional properties, I provide thorough guidance on potential mortgage products, empowering them to confidently navigate the market when buying a principal residence, an investment property, or a second home, such as a cottage or vacation property.

Private Mortgage Investors.

I work with individuals and entities looking to deploy capital into private mortgage investments secured by real estate in Ontario. Our existing investor base primarily consists of high-net-worth individuals, such as real estate lawyers, doctors, and experienced private mortgage investors. With over a decade of experience in private mortgage origination, underwriting, and adjudication, I connect qualified investors with private mortgage investment opportunities.

Professional Partners.

Typical Financing Purposes.

Property Types.