Metro Vancouver — South Fraser

Mortgage broker serving Langley.

Langley is two cities in one — the City of Langley (compact, condo and townhouse heavy) and the Township (sprawling, acreage and farms). Each needs different lenders.

The Langley market

Langley Township is BC's hotspot for hobby farms, ALR acreage, and equestrian properties — which is where many deals get stuck with mainstream lenders. The City and Willoughby corridor is dominated by townhouse and apartment pre-sale activity. Walnut Grove, Murrayville, and Brookswood sit in between with newer detached subdivisions. Our Langley files often involve outbuildings, secondary suites, and farm-status income.

Files we close in Langley

  • Hobby farm and acreage purchases with outbuildings and shops
  • Willoughby townhouse and pre-sale assignments
  • Construction draws for custom builds in Brookswood and Salmon River
  • Refinances against detached equity in Walnut Grove and Murrayville
  • Equestrian and farm-status properties

Langley mortgage services

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

Every program we place in Langley

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 Langley

WilloughbyWalnut GroveMurrayvilleBrookswoodFort LangleyAldergroveCampbell ValleySalmon River
Why us in Langley

The biggest broker shop in Langley ranks #1 in Google for a reason — but they aren't the only option. We bring the same lender depth without the assembly-line treatment, and we close acreage and farm files Schedule-A banks won't touch.

Langley mortgage FAQ

Do you finance acreage and hobby farms in South Langley and Aldergrove?+

Yes. South Langley, Campbell Valley and Aldergrove acreage is full of properties with barns, riding rings, secondary dwellings and ALR designation. Most banks cap acreage at 5–10 acres of value; we use lenders that lend on the full parcel including outbuildings used for business.

Can you mortgage a Walnut Grove or Willoughby new build with a completion delay?+

Regularly. Willoughby and Latimer completions have slipped on multiple projects. We arrange 24-month rate holds where available so you're not re-qualifying at higher rates if your builder pushes completion.

What about self-employed Langley trades and owner-operator buyers?+

Langley has one of the highest densities of construction trades and small-business owners in BC. We have bank-statement and stated-income programs that approve on business deposits rather than the low net income that shows on a tax return after write-offs.

Do you do construction loans for Brookswood and Murrayville custom builds?+

Yes. We arrange progress-draw mortgages with lenders that release on third-party inspection, with land-only or land-plus-construction structures depending on whether you already own the lot.

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