Banks turned you down for a mortgage?

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We offer alternative mortgage solutions across BC.

Don't settle for less when Buying a new home or Refinancing your existing home.

We have alternative mortgage rates to suit your needs

It can be challenging to get a mortgage from major Canadian banks in British Columbia.

Potential borrowers must have a steady income, keep their debt-to-income ratio low, and establish a down payment to meet the criteria of other loan sources.

If you are looking for an alternative mortgage rate, Our team of experts can help you find the perfect solution. To be approved for a loan from a bank, the borrower must meet the necessary criteria; failure to follow the bank’s preferred lending policies, inability to pay all required dues, or not fulfilling the prerequisites set can lead to rejection.

Ask us if you are eligible for a better mortgage.

You can ask us any mortgage questions or discuss your possible mortgage solutions with us.

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FAQ for Alternative Mortgage

Is a B-Lender just a "Bank for Bad Credit"?

Not at all! This is the biggest myth out there. While they can help if your credit took a "vacation" during a divorce or a job change, B-Lenders are mostly for people who have "Complex Lives." Are you a rockstar entrepreneur who writes off expenses to save on taxes? A freelancer with multiple income streams? Or a pro athlete? The big banks’ computers might see "risk," but B-Lenders see a "business owner." They use common sense instead of just a credit score.

Why does everyone call it a "Bridge" or a "Stepping Stone"?

Because it’s not meant to be a forever marriage! Usually, I set my clients up with a B-Lender for 1 to 2 years.

During that time, we use the B-Lender's flexibility to get you into the house now. While you're living there, we polish up your credit or wait for that second year of business tax returns. Once you're "Bank-Ready," we jump back to an A-Lender for those rock-bottom rates. It’s a temporary layover on your way to a first-class destination.

Are the rates going to "break the bank"?

Actually, the gap is smaller than most people think. Usually, you’re looking at 1% to 2% higher than the "A" rates.

Think of it like this: If a big bank says "No," your options are usually (A) keep renting and watch BC home prices climb, or (B) pay a slightly higher rate for 24 months to secure your equity. Most of my clients find that the wealth they gain from home appreciation far outweighs the extra interest they pay for a couple of years.

Do I really need 20% down? Why can't I put 5% down?

Here’s the deal: B-Lenders don’t use government-backed insurance (like CMHC). Because they are taking a chance on your "unique" income or credit, they want to know you have "skin in the game." In BC, that magic number is 20%. If you’ve got the equity or the down payment, the red carpet rolls out. If you only have 5%, we usually have to stick to the big banks—and their very strict rules.

Can I actually get more money from a B-Lender?

Usually, YES! This is the "fun" part. Big banks are forced to use a federal "Stress Test" that makes you qualify at a much higher rate than you'll actually pay.

Many B-Lenders (and some BC Credit Unions) have more wiggle room. They can often look at your actual contract rate, which can sometimes mean qualifying for $50,000 to $150,000 more than the bank offered you. It’s like finding a "cheat code" for BC real estate.

Will I be treated like a second-class citizen?

I get this a lot. People worry B-Lenders are "shady." The truth? These are multi-billion dollar institutions (like Equitable Bank or Home Trust) that are highly regulated.

The experience is actually often more personal. Since a human—not an algorithm—is reviewing your file, they are much more likely to listen to your story. You get a customized solution instead of being "Folder #402" at a giant bank.