Mortgage broker serving Victoria.
Victoria is BC's second-deepest urban mortgage market — a mix of heritage detached, dense downtown condo, and steady second-home and retiree inflow. We work it all virtually.
Victoria's market splits between heritage detached in Fairfield, Rockland, and Oak Bay (where pricing pushes most files uninsured), and a dense condo market downtown and in James Bay favoured by investors and out-of-province second-home buyers. Retiree and portfolio-income files are common — exactly the income shape bank branches struggle with.
Files we close in Victoria
- →Heritage detached purchases with non-standard valuation
- →Retiree and portfolio-income files banks can't structure
- →Downtown investor condos and rental refinances
- →Second-home buyers from Alberta and Lower Mainland
Victoria mortgage services
We offer the full Mortgage Guru lineup in Victoria — 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.
Every program we place in Victoria
Neighbourhoods we serve in Victoria
Greater Victoria files routinely involve retiree income, second-home rules, and heritage valuations — we bring the lender depth to fund all three without the Island broker bottleneck.
Victoria mortgage FAQ
Can you finance heritage and character homes in Fairfield, Rockland or James Bay?+
Yes. Victoria's heritage stock — Fairfield Edwardians, Rockland mansions, James Bay character — often has knob-and-tube, original plumbing or heritage-designation restrictions. We use lenders that don't auto-flag these and handle heritage-conservation covenants properly.
Do you handle Victoria leasehold condos (Songhees, Bayview)?+
Yes. Songhees and Bayview leasehold (on Songhees Nation land) is declined by most banks outright. We work with the lenders that lend on remaining-term leasehold.
What about strata properties with seismic upgrade special assessments?+
Common. Many older downtown and Fairfield stratas have pending seismic or envelope assessments. We disclose proactively and place with lenders that don't claw back the LTV.
Request a complimentary strategy call.
Tell us a bit about your file — Ramin or a senior broker will reach out within one business day. No obligation.