Mortgage Services

Residential Mortgages

Financing for owner-occupied, investment, and rental properties:

• First-time home buyers
• Newcomers to Canada
• Self-employed and contract workers
• Work permit holders
• Foreign buyers (subject to lender policy)

Private Lending

For clients who cannot qualify with traditional banks or need fast financing:

• No income verification — equity-based
• First, second, and third mortgages
• Fast approval for short-term capital needs
• Bridge, renovation, debt consolidation, and more

Commercial & Construction

Financing for commercial properties and construction projects:

• Commercial property mortgages
• Residential construction loans
• Land financing
• Apartment building loans

Renewals & Transfers

Before your mortgage matures, compare your current lender's renewal offer against other options:

• Renewal rate negotiation
• Transfer to another lender
• Prepayment penalty assessment

First-Time Buyers

Full guidance from pre-approval to closing:

• Pre-approval application
• Down payment planning
• BC Property Transfer Tax calculation
• Closing cost guidance
• First-Time Home Buyer Incentive consultation

Pre-Approval

Know your budget before you start viewing homes and show sellers you are serious.

Note: Pre-approval is not a final approval. Final approval depends on the lender's review of your complete file.