Mortgage broker in Nanaimo.
Looking for a mortgage broker in Nanaimo? Nanaimo is central Vancouver Island's largest market — a deep mix of family detached, waterfront, and growing commercial. We work it virtually with full BC lender access.
Nanaimo's market spans waterfront and view detached in Departure Bay and Hammond Bay, family stock through North Nanaimo and Pleasant Valley, and an active downtown condo market favoured by retirees and investors. Steady relocation flow from the Lower Mainland keeps inventory turning.
Files we close in Nanaimo
- →Relocation files from Lower Mainland and Alberta
- →Waterfront and view detached purchases
- →Retiree and portfolio-income downtown condos
- →Rural and acreage purchases in Cedar and outlying areas
Nanaimo mortgage services
We offer the full Mortgage Guru lineup in Nanaimo — every pillar, every program, every niche lender.
- Commercial mortgage
Multi-family, mixed-use, industrial, owner-occupied & private commercial.
- Residential mortgage
Purchases, refinances, renewals — purchase, port, refi, and rental.
- Private mortgage
Short-term bridge, equity take-out, and credit-rehab capital.
- Construction loan
Draw mortgages for custom builds, infill, and small multi-family.
See the full program list on our Residential, Commercial, and Construction pages.
Neighbourhoods we serve in Nanaimo
We bring the full BC lender roster to Nanaimo files — not just the regional credit unions that dominate Island broker shops.
Nanaimo mortgage FAQ
Can you finance Nanaimo waterfront and South End character homes?+
Yes. Nanaimo waterfront (Departure Bay, Hammond Bay) and older South End / Old City character homes need lenders comfortable with older construction and waterfront appraisal nuances.
Do you handle Nanaimo rental and revenue property files?+
Regularly. Nanaimo is one of the strongest rental yields on Vancouver Island. We use DCR-based underwriting for portfolio investors to keep them on residential rates longer.
What about VIU-area student rental investment?+
Common. We use lenders that count room-by-room or full-house student rental income properly for VIU-adjacent properties.
Do you arrange private and second mortgages in Nanaimo?+
Yes. When a bank declines — bruised credit, unreported income, a tight ratio, a tax-arrears situation, or a property the A-lenders won't touch — we place private 1st and 2nd mortgages in Nanaimo through MICs and individual investors we've worked with for years. Typical terms are 6–24 months, interest-only, with a clear exit plan back to an A or B lender. We quote the all-in cost up front (rate + lender fee + broker fee + legal) so there are no surprises, and we don't write a private deal unless the exit is realistic.
Can you set up a reverse mortgage (CHIP / Equitable PATH) in Nanaimo?+
Yes. Nanaimo — especially Departure Bay, Hammond Bay and North Nanaimo — has a strong base of 55+ homeowners sitting on significant equity but qualifying poorly on income alone. We arrange CHIP Reverse Mortgage (HomeEquity Bank) and Equitable Bank's PATH Home Plan to draw tax-free funds with no monthly payments required. We model the long-term equity erosion honestly, compare it side-by-side with a HELOC, a standard refinance, or downsizing, and only recommend a reverse mortgage when it's genuinely the best fit — not the default.
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