Mortgage Broker Serving British Columbia
Private lending, construction financing, self-employed mortgages, and traditional home loans for buyers and homeowners across British Columbia.
If you have searched for a "hard money lender" in BC, you are looking for what Canadian brokers call private lending. Rowan can help either way.
Mortgage Services Across British Columbia
Home Purchase Mortgage : Financing for first homes, upgrades, and everything in between
Mortgage Pre-Approval : Know your budget before you start shopping
Mortgage Refinancing / Renewal : Better terms when your current mortgage comes up for renewal
Construction Mortgage : Draw schedules built around your build timeline
Private Lending : Financing when your income, credit, or property does not fit the bank box
Equity Mortgage : Turn the equity in your home into cash without selling
Debt Consolidation : Roll high-interest debt into one manageable mortgage payment
Self Employed Mortgage : Alt-A and Low Doc programs built for business owners
BC Cities Rowan Serves
Frequently Asked Questions
Does Rowan Smith work with clients outside Metro Vancouver?
Yes. Rowan works with clients across the Fraser Valley and the rest of British Columbia, not just Vancouver. Many of his private lending and construction files come from outside the city.
What is the difference between a bank mortgage and private lending in BC?
Banks base approval on your credit score and provable income. Private lenders focus on the equity in the property instead, which makes private lending an option when your file does not fit standard bank criteria. It typically comes with a higher rate and a shorter term.
Can Rowan help if I am self-employed and my tax returns do not reflect my real income?
Yes. Programs like Alt-A and Low Doc financing are built for self-employed borrowers whose write-offs make their taxable income look lower than their actual earnings.
Do you help with debt consolidation through a mortgage in BC?
Yes. Rolling high-interest debt into your mortgage at a lower rate is one of Rowan's most common requests, especially from homeowners in Metro Vancouver and the Fraser Valley.
Is a mortgage broker free to use in BC?
Yes, in most cases. Mortgage brokers in Canada are typically paid by the lender rather than the borrower, so there is no cost to you for Rowan's advice or the placement of a standard mortgage.
