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 20 years in Vancouver's market.
Searching for a hard money lender in Canada? The term means something different here. Rowan explains how equity-based lending works in BC and what to know before you apply.
Alberta RV parks are drawing serious buyer interest in 2026. Rowan Smith explains how the financing actually works and what to sort out before you make an offer.
Thinking about accessing your home equity in retirement? Rowan Smith, BC mortgage broker, explains the real difference between a reverse mortgage, HELOC, and downsizing - and when each one actually makes sense
You have been paying into your Vancouver home for years. Here is how to access that equity without selling it - second mortgage, HELOC, refinance explained plainly.
Self-employed in Vancouver? Learn how Canada Guaranty's Low Doc Advantage and Sagen's Alt-A programs help you get a mortgage without a T4.
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.
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.
