Mortgage Loans In BC That Suit YOU, At The Best Rates

    Discuss Your Mortgage Refinancing Options With a Broker Today

    Mortgage Options BC

    We offer mortgage options through a variety of products designed to suit your needs. All at today’s best mortgage rates in BC, Canada!

    Self Employed 

    If you are self-employed, there are many types of mortgage loans available for you, offered through a variety of programs. 

    Some of the most common mortgage program options are stated income or low doc mortgages. Both require a significantly different down payment and/or home equity.

    Income Verified (Income Gross Up)

    In some cases, you can qualify with as little as 10% down (20% on refinance). Income verification is required for these types of mortgage option programs.

    Alternative Mortgage Options

    Other options require 35% down for programs such as stated income mortgages (although we do have options for higher LTV). 

    Some B-Lenders also allow self-employed homeowners and homebuyers to qualify under higher debt servicing.

    Second Mortgage Options: Blend & Extend

    If you have a mortgage with a bank or credit union and they only offer to refinance mortgage options for your current mortgage, there may be other options to save you money.

    Many banks neither provide second mortgage solutions nor would blend a new one. We have banks that lend up to 65% of the home’s value. In these cases, lenders require these to be in their approved areas, plus income and credit requirements also apply.

    Another option we provide is private mortgage lending of up to 75%. These types of 2nd mortgages don’t require income or credit to qualify you as your home’s equity will be the main approval factor.


    HELOCs currently come at prime + rates. Borrowers can qualify for up to a 65% LTV of their home’s value.

    Most major banks and credit unions offer mortgage options for HELOCs, which currently require good credit and verified income ratios.

    Home Equity Loans differ from HELOCs because these are purely equity-based. Home Equity Loans are approved regardless of income and credit. Lenders will lend up to 75% of the home’s value in major central areas.

    Rental Properties

    Rental properties are a great way to invest in your future using real estate. Qualifying for these types of mortgage loan options weighs in many different factors.

    Loan Options for Purchasing Rental Properties

    • Do you need to use a rental offset?
    • What is the minimum down payment? It can be between 5% or 20%. We have options based on both. Conditions apply.
    • Lower Beacon Score options
    • Rental properties in Personal Name
    • A Lenders & B Lenders Rental Units
    • 2-4 Units or Options Above

    Inter Alia/Bridge Loan

    This type of mortgage financing option takes two properties as security. Inter Alia allows lenders to secure against two properties while offering short-term bridging. Conditions apply.

    Debt Consolidation

    Refinancing a mortgage or obtaining a HELOC or 2nd mortgage to consolidate consumer debt is a great way to free up cash flow and improve your credit. 

    Banks and credit unions have a bunch of different home loan products that can assist homeowners with this. However, if your file doesn’t fit the criteria set by traditional banks, alternative mortgage lenders can offer more creative mortgage options.

    Commercial Mortgage

    This is mortgage financing on investment properties, and includes from industrial business to retail space, developments, warehouses, apartment buildings, multi-family units and office buildings.

    Non-Resident Home Loans

    Are you a non-resident in Canada and looking to purchase a home? We have many products available to assist with a new home purchase or mortgage refinancing options

    Do know that products like these have several requirements. For a complete assessment of your situation, call us today and speak to one of our mortgage brokers. We’ll be happy to assist you.

    Pre Approvals

    First time going through the process of purchasing a home? Learn the difference between a “rate hold pre-approval” and a “true approval,” and discover how these affect your mortgage loan options.

    Switch Lenders

    For a complete assessment of your situation call us today! Our mortgage brokers will be happy to assist you.