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Your Equity Mortgage > Blog

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28 Apr, 2026 paying a consumer proposal with a mortgage
Jeff Di Lorenzo Alternative Mortgage,Debt Consolidation,Home Equity Loan,How To....

Using Your Mortgage To Pay Out a Consumer Proposal In BC

Usually, when people file a consumer proposal, it is to assist them with debt consolidation by restructuring it all into one manageable payment. Once they’ve done this, homeowners usually see significant cash flow relief but still have this monthly bill looming over them.

If you are living in British Columbia and are looking for debt load relief by paying out your consumer proposal early, then keep reading!

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28 Apr, 2026 strata property in bc
Jeff Di Lorenzo Alternative Mortgage,How To....

Depreciation Reports In BC – Should You Buy Strata Property Without One?

The purpose of a depreciation report is to give a standard to follow to all strata and strata companies in BC. This helps condo purchasers and mortgage lenders have a clearer view of the building’s health and the common property associated with it.

In this article, we’ll discuss whether or not depreciation reports are mandatory in British Columbia for purchasing a strata property.

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28 Apr, 2026 woman searching for private mortgage lenders for self employed
Jeff Di Lorenzo Home Equity Loan,Mortgage Solutions,Private Mortgage Lender

Self-Employed? Find Traditional Or Private Lenders For Your Mortgage

Interested in learning about what private mortgage lenders offer for the self-employed? This article will answer popular questions around self-employment financing and teach you how to get the loan you’re after.

When talking to BFS  — business-for-self — individuals, most of them are unhappy with the many write-offs they receive, which, in turn, lowers their income. 

The discussion often drifts into comparing the taxation rate with the bank’s mortgage rate, but here is the trick; when looking at the whole picture with the goal of saving money, the tax rate should be compared with the interest rate. This is what makes alternative mortgages substantially cheaper.

Taxation is one thing. Interest is another.

Here are a few tips to help you find a mortgage lender, traditional or private while maintaining your status as self-employed. 

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10 Apr, 2026 woman celebrating a good debt to income ratio
Jeff Di Lorenzo Debt Consolidation

Understanding The Impact Of Your Debt To Income Ratio On Mortgage Approval In BC, Canada

When planning to purchase a home, applying for a mortgage is a significant financial decision. In this case, understanding the factors lenders in Canada consider when evaluating a borrower’s eligibility for a mortgage becomes essential. One such factor is the debt-to-income ratio (DTI).

In this blog, we will delve into the impact of the debt-to-income ratio on mortgage approvals in BC, Canada.

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6 Apr, 2026 self-employed mortgage qualifications for man planning to buy a house
Jeff Di Lorenzo Alternative Mortgage,Mortgage Solutions,Private Mortgage Lender

A Guide To Self-Employed Mortgage Qualifications

Meeting all the qualifications required for getting a self-employed mortgage can be challenging but not impossible. Traditionally the bread and butter of B-lenders, the ever-expanding private sector of individual contractors and freelancers have encouraged A-lenders to accept their business too.

However, if you’re self-employed, there are a few things to keep in mind to secure a possible mortgage offer.

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20 Mar, 2026 women thinking about mortgages for contractors
Jeff Di Lorenzo Alternative Mortgage,Home Equity Loan,Mortgage Solutions

Independent Contractor? Quickly Secure a Mortgage Today!

Mortgages for contractors have their own set of rules. Here’s how to secure a mortgage if you are an independent contractor in BC, Canada.

Recent surveys show that self — or at least part-time — employees make up for about 15% of all Canadian income earners. They can have a wide range of backgrounds, including administrative, accounting, consulting and so on, and they work for both large and small companies.

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10 Mar, 2026 client and mortgage broker discussing the penalties for paying off a mortgage early
Jeff Di Lorenzo Mortgage Solutions

Everything You Need To Know About The Penalties For Paying Off a Mortgage Early

In this blog, we’ll dive into the nitty-gritty of prepayment penalties and provide you with the knowledge and tools to navigate them smarter. From understanding the different types of prepayment penalties for breaking a mortgage to learning how to negotiate with your lender, we’ll cover everything you need to know to make an informed decision about your loans.

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24 Feb, 2026 first home buyers in canada
Jeff Di Lorenzo Mortgage Solutions,Private Mortgage Lender

The 3 Types Of Private Mortgage Insurance In Canada

Private Mortgage Insurance (PMI) is a form of insurance that protects the lender against loss in case you default on your mortgage payments. If something were to happen and you lost your house because of illness or loss of job, a PMI won’t pay the mortgage on your behalf. Read on to learn more about getting private mortgage insurance in Canada.

Buying a house is never a 100% seamless process, regardless of where you find yourself in the world. It’s no different in Canada either. Homeownership comes with costs that are typically difficult to be paid upfront and in full by the great majority of home buyers.

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