Metro Vancouver — Tri-Cities

Mortgage broker for Coquitlam.

Coquitlam moves fast — from Burke Mountain new-builds to Burquitlam towers, the city has more financing edge cases than almost anywhere else in Metro Vancouver. We finance them all.

The Coquitlam market

Coquitlam splits into three very different sub-markets: West Coquitlam high-rise (heavy investor and assignment activity), Central / Town Centre family-detached and townhouse, and Burke Mountain new construction with ongoing builder programs. Each one has its own lender quirks — assignments need niche lenders, Burke Mountain holdbacks need draws structured correctly, and East Coquitlam acreage needs lenders who understand the ALR boundary.

Files we close in Coquitlam

  • Pre-sale assignments in Burquitlam and West Coquitlam towers
  • New-construction draw mortgages on Burke Mountain
  • Townhouse purchases in Westwood Plateau and Central Coquitlam
  • Refinances to pull equity for a Burke Mountain second home
  • Investor portfolios across multiple Tri-Cities buildings

Coquitlam mortgage services

We offer the full Mortgage Guru lineup in Coquitlam — every pillar, every program, every niche lender.

Every program we place in Coquitlam

Residential
Prime / A-Side Mortgages
Manulife OneHigh Net-Worth ProgramProjected Income for PhysiciansFirst-Time Home Buyer ProgramCorporate Income (Low Personal Income) — Add-Back ProgramRefinance / Equity Take-Out (ETO)Insured (High-Ratio) MortgageProjected Income for Dentists & VeterinariansUninsured / ConventionalHome Equity Line of Credit (HELOC)Rental Property (≤4 units)New to Canada ProgramSelf-Employed (Insured Stated Income) — PurchaseRenewal (Stay or Re-Sign with Current Lender)Switch / Transfer (Move to a New Lender)Purchase Plus ImprovementsInsurable MortgageDivorce & Spousal BuyoutsThe Smith ManoeuvreUS Income / US Borrowers & Non-ResidentsDebt Swap StrategyHobby FarmsPrevious Consumer Proposal or Bankruptcy (2-2-2 Rule)Acreage / ALR (Agricultural Land Reserve)Probate / Change of OwnershipDebt ConsolidationEstate-Planning / Inheritance Payout StrategiesHoldco Mortgages (Prime)Mortgage + HELOC Combo
Alternative / B-Side Mortgages
Stated Income / Bank Statement BFSDebt Consolidation (Alt)Equity Take-Out (ETO)Active Consumer Proposal / Previous BankruptcyDivorce & Spousal Buyouts (Alt)Secured Visa (from 5.99%, up to $1M)Alt-Lender RenewalBruised / Damaged CreditCRA & Tax Arrears PayoutJudgment & Collection PayoutActive Collection PayoutRental / Investment PropertyNew-to-Canada (Alt)Construction Take-OutAlt-Lender Switch / TransferInsolvency Recovery MortgagesUS Income / US ResidentNon-Traditional IncomeAcreage / ALR (Agricultural Land Reserve)Debt Swap StrategyHigh Net-Worth Mortgages (Alt)Probate / Change of OwnershipHobby FarmPurchase Plus Improvements (Alt)Refinance Plus Improvements (Alt)HELOC (Alt)Holdco Mortgages (Alt)Non-Conforming Mortgage (up to 40-year amortization)Mortgage + HELOC Combo (Alt)
Private Mortgages
First Mortgage (Purchase or Refinance)1st Position HELOC (Purchase or Refinance)No-Income 1st MortgageInterest-Only 1stShort-Term 1st (6–12 months)1st Mortgage / HELOC Renewal1st Mortgage / HELOC Switch / TransferHoldco Mortgages (Private)Inter-Alia Mortgage (1st Position)Second Mortgage (Purchase or Refinance)2nd Position HELOC (Purchase or Refinance)CRA / Judgment Payout 2ndActive Collection Payout 2ndBruised-Credit 2nd2nd Mortgage / HELOC Renewal2nd Mortgage / HELOC Switch / TransferInter-Alia Mortgage (2nd Position)Purchase-Before-Sale BridgeConstruction-Gap BridgeClosing-Cost / Down-Payment BridgeRefinance Bridge (rate-hold gap)Bridge Loan Extension / RenewalReverse Mortgage — All Ages (1st Position Only)Reverse — All Ages RenewalReverse — All Ages Switch / TransferResidential Land Loan (raw or serviced)Vacant Lot / Future Home Site LoanLand Loan RenewalLand Loan Switch / TransferInter-Alia Land Mortgage
Reverse Mortgages
Standard Reverse MortgagePremium / Low-Rate Reverse ProgramReverse Line of CreditReverse for Purchase or RefinanceEstate-Planning Reverse StrategiesReverse Mortgage RenewalReverse Mortgage Switch / Transfer
Commercial
Prime / A-Side Commercial
Conventional Commercial MortgageCMHC Insured Multi-FamilyCMHC MLI SelectOwner-Occupied CommercialBank Term Loans & Operating LinesIndustrial / WarehouseMixed-Use & RetailConstruction-to-Perm Take-OutBank Workouts & RefinancingInsolvency & Special Asset FinancingBusiness Acquisition Financing
Alternative / B-Side Commercial
Refinance / Equity Take-Out (Commercial)Credit Union Commercial ProgramsStated-Income CommercialActive Collection Payout (Commercial)ALR / Farm & AgriculturalOilfield Shop & YardRental Portfolio (5+ units alt)Equipment-Backed CommercialBank Workouts & RefinancingInsolvency & Special Asset FinancingBusiness Acquisition Financing
Private Commercial
Private Commercial 1stLand & Site Acquisition 1stCommercial / Development Land LoanValue-Add / Reposition 1stBank Workouts & RefinancingInsolvency & Special Asset FinancingPrivate Commercial 2ndEquity Take-Out 2ndCRA / Lien Payout 2ndAcquisition BridgeRefinance / Rate-Reset BridgeConstruction-Gap Commercial Bridge
Construction
Prime / Alternative Institutional — Non-CMHC
Single-Family New BuildSelf-Build / Owner-Builder ConstructionSpec-Build Construction (small builders)Multi-Unit Construction (5+ units)Industrial Assembly FinancingRetail AssemblyMixed-Use AssemblyMajor Renovation / Conversion Loan
Prime / Institutional — CMHC Commercial Insured (MLI Select)
CMHC Commercial Insured — MLI Select (Multi-Family)
Private Construction Capital
Raw & Serviced Land LoansPre-Development / Entitlement CapitalPrivate Construction Draw MortgagePrivate Land AssemblyPrivate Industrial AssemblyPrivate Retail AssemblyPrivate Mixed-Use AssemblyConstruction Completion / Rescue Loan
Land Assembly Financing
1–4 Unit Infill Assembly LoanAdjacent Lot Acquisition BridgeHold-and-Reposition Mortgage (small assembly)Assembly-to-Construction Take-Out (small)Multi-Parcel Land Assembly LoanStaged Assembly Acquisition FacilityRezoning & Entitlement Hold LoanPre-Development / Soft-Cost Facility (large assembly)Assembly-to-Construction Take-Out (large)

Neighbourhoods we serve in Coquitlam

Burke MountainWestwood PlateauTown CentreBurquitlamMaillardvilleEagle RidgeCoquitlam West
Why us in Coquitlam

We close more Tri-Cities files than most local broker shops combined — and we know which lenders actually fund assignments and Burke Mountain draws, not just say they do.

Coquitlam mortgage FAQ

Do you finance pre-sale assignments in Burquitlam and West Coquitlam?+

Yes — assignment financing is one of the most-declined file types at the big banks. We work with the three or four BC lenders that fund assignments properly, including ones that will count the original deposit toward your down payment instead of forcing a full re-qualification at the closing price.

How do construction draws work on Burke Mountain new builds?+

Most Burke Mountain builders work with a small list of preferred lenders, but you're not required to use them. We arrange independent draw mortgages timed to the builder's milestone schedule so you're not double-paying interest on builder financing while waiting for your funds.

Can you mortgage a Coquitlam townhouse with a special assessment pending?+

Yes, but lender selection matters. Several Westwood Plateau and Town Centre stratas have had recent special assessments for envelope or rainscreen work. We disclose proactively and place these with lenders that won't claw back the LTV.

What's typical financing for Tri-Cities investors with 3+ rental units?+

Once you cross 4 doors most A-lenders push you to commercial pricing. We keep portfolio investors on residential rates longer by spreading files across rental-friendly lenders and using DCR-based underwriting instead of personal-income ratios.

Talk to a specialist

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