Helping Vancouver Island folks get the mortgage they deserve since 2008

Just reach out. Call 250-338-3740, send an email, or fill out the contact form. We will have a conversation about your situation, tell you what your options look like, and go from there. No paperwork required to have that first conversation.

Not even close. Banks decline a lot of files that are perfectly approvable at the right lender. We work with a range of alternative lenders who handle these situations every day. Tell us what happened and we will give you an honest read on what is possible.

It depends on how your income is documented, but it is rarely as complicated as people expect. The trick is finding the right lender for your specific income structure. We have arranged a lot of self-employed mortgages on Vancouver Island and we know which lenders look at these most fairly.

A reverse mortgage lets homeowners 55 and older access the equity they have built up without making monthly payments. It is not right for everyone, but for some people it is genuinely life-changing. We walk you through everything clearly, including the parts that do not always get mentioned, so you can make a real decision.

In most cases nothing. The lender pays our fee when your mortgage closes. For private or alternative lending situations there are sometimes fees, and we always explain those clearly upfront before going any further.

A pre-approval can typically be completed within 24–72 hours. Full mortgage approval after an accepted offer usually takes 5–10 business days depending on the lender and the complexity of your file. I manage the entire process and keep you updated at every stage — you'll never be left wondering where things stand or chasing me for an update.

B lenders are alternative institutional lenders whose entire purpose is to approve files that major banks decline. They accept lower credit scores, alternative income documentation, and non-standard situations. Their rates are typically a bit higher than a bank, and they usually require 20% down. For many clients they are the bridge that gets them into a property and then transitions to conventional lending at renewal once their situation has improved.

Yes. A past credit issue does not automatically mean no mortgage. What matters is the full picture: what caused the problem, how long ago it was, and what your situation looks like now. We review the credit history carefully before recommending any lender so you are not wasting hard inquiries on applications that are unlikely to succeed.

If you own a home in the Comox Valley and have built meaningful equity, you can refinance your mortgage to access that equity and use it to pay off high-interest consumer debt. The result is replacing multiple high-rate payments with a single lower-rate one. The math is often compelling. We run the numbers honestly and only recommend it when it genuinely makes sense for your specific situation.

Your mortgage renewal happens at the end of each term. Your lender sends a renewal offer, but that offer is almost never their best rate. It is a starting position designed to capture clients who do not shop around. We compare the full market before your maturity date and tell you honestly whether staying with your current lender or switching makes more financial sense. There is no penalty for switching at maturity.

No. We help clients across all of Vancouver Island, throughout BC, and across Canada. Courtenay is home base but the mortgage process works just as well over the phone or a video call. If you are anywhere on the Island, please reach out.

All of it. We work with clients in Nanaimo, Victoria, Campbell River, Parksville, Qualicum Beach, Port Alberni, Duncan, Lake Cowichan, and everywhere in between. We also serve clients throughout the rest of BC and across Canada. Distance is not a barrier for us.