Mortgage broker serving North Vancouver.

Yes. Lower Lonsdale, Park Royal and parts of Marine Drive sit on leasehold. We have lender programs specifically for prepaid leases and remaining-term leases, where banks routinely decline. Lease term remaining drives lender selection and amortization.

Regularly. Many 1950s-60s Edgemont, Capilano Highlands and Lynn Valley homes have oil-tank history, asbestos, or aluminum wiring. We pre-flag these to underwriting and use lenders that accept remediation holdbacks instead of refusing the file.

We arrange pre-sale and assignment financing across the new Lonsdale corridor towers (The Shipyards, Pier West area). Rate holds out to 24 months are possible with the right lender — critical for completions that have slipped 6-12 months from original timelines.

North Shore lending is its own discipline — leasehold, large-lot Edgemont detached, Lonsdale pre-sale, and tear-down rebuilds all need different lenders. DLC Master Top 5% volume, CMP Rising Star, and over a decade of North Shore files means we know which of the 90+ lenders we work with actually fund each property type instead of just saying they might.

Yes — and North Shore HELOCs are one of the most powerful tools we use. Edgemont, Canyon Heights and Capilano detached owners often sit on $1,000,000–$3,000,000+ of equity. We arrange standalone HELOCs up to 65% LTV, readvanceable accounts, and second-position HELOCs behind your existing mortgage when breakage doesn't make sense.

Yes — and North Shore jumbo lending is its own niche. Once loan size crosses $1,500,000, A-lenders apply sliding-scale LTV restrictions that cap Edgemont, Deep Cove and Upper Lonsdale deals. We have credit-union, private-bank and monoline programs that hold higher LTV at $2,000,000, $3,000,000, $5,000,000+ — the difference between closing and restructuring the down payment.

Yes — most first-time files are Lower Lonsdale and Central Lonsdale condos and the occasional Lynn Valley townhouse. We layer the First Home Savings Account, RRSP Home Buyer's Plan, gifted down payments and co-signers to get you in with as little as 5% down on properties up to $1,499,999.

Regularly. We model the breakage penalty (IRD vs 3-month-interest) against the long-term savings and structure with a blend-and-extend or HELOC layer when breaking outright doesn't pencil. North Shore equity gains over the past decade make refinance math compelling more often than people think.

We're licensed BC mortgage brokers (sub-mortgage brokers under BCFSA) — the regulated equivalent of an independent advisor. We shop your file across 90+ lenders and have no rate-sheet bias. A bank advisor or specialist only sells that bank's products; we don't.

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 North Vancouver 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.

Yes. North Vancouver — especially Edgemont, Upper Lonsdale and Lynn Valley — 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.

Yes — extensively. The North Shore (North and West Vancouver) has one of the largest Iranian-Canadian communities in Canada and we handle these files constantly: newcomers on work permits or PR within the first 5 years, returning Canadians with assets held abroad, buyers with foreign-sourced down payments that need proper paper trail under FINTRAC, and self-employed business owners whose taxable income doesn't reflect real cash flow. We have Farsi-speaking support, lenders comfortable with foreign-asset documentation, and we structure files around sanctions-related banking constraints rather than letting them kill the deal.

Often, yes. North Vancouver has a high concentration of dual-income professionals, business owners and investors carrying meaningful cash balances alongside the mortgage. Manulife One collapses your chequing, savings, mortgage and HELOC into one account, so every dollar sitting in cash offsets mortgage interest daily — frequently saving 5–7 years of amortization for clients with strong cash flow. The rate premium over a plain mortgage is real, so we model it against your actual deposit patterns before recommending it. If the math doesn't work we'll tell you, and we'll often pair it with a readvanceable structure instead.