Mortgage Insights

Plain-English Guides for Every Kind of Buyer

Real advice on private lending, construction mortgages, self-employed financing, and more, from a broker with 19 years in Vancouver's market.


Read Below
As a self-employed Canadian person researching the Alt-A Program, a tier of mortgage insurance.

The Sagen Alt-A Program: How Self-Employed Buyers in Vancouver Can Get a Mortgage Without a T4 (2026)

By Rowan Smith • June 2, 2026
Running your own business in Vancouver and getting turned down for a mortgage? The Sagen Alt-A program lets you qualify on stated income, with as little as 10% down. 2026 guide.
New home construction in Metro Vancouver

Building Your Own Home in Vancouver? Here's How Construction Financing Works in 2026

By Rowan Smith • May 13, 2026
Planning a new build in Metro Vancouver? Learn how construction mortgages work — draw schedules, down payment requirements, and what lenders want to see in 2026.
Vancouver homeowner reviewing private mortgage options with a broker in a modern office

The Bank Said No. Here's How Private Lending Works in Vancouver (2026)

By Rowan Smith • May 13, 2026
Self-employed, bruised credit, or buying a non-conforming property? Learn how private mortgages work in Vancouver in 2026 — rates, costs, and your exit plan.

Ready to Talk About Mortgages?

Rowan will guide you through the available options to ensure you get the best possible approval at the market rate.