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.
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.
