Mortgage broker for Whistler.
Whistler is a specialty market — Phase 1 vs Phase 2 zoning, short-term-rental income, second-home structuring, and international buyers all live here. Generic mortgage advice doesn't work.
Whistler properties fall into very different lender buckets depending on Phase 1 / Phase 2 classification, owner-use restrictions, and short-term-rental rights. Most files are uninsured second homes funded against equity in a Lower Mainland or out-of-province primary residence. International and out-of-country buyers are common and need brokers who know which lenders accept foreign income for recreational property.
Files we close in Whistler
- →Phase 1 and Phase 2 condo purchases with STR income underwriting
- →Second-home detached and townhouse bridged off Lower Mainland equity
- →International / foreign-income buyers on recreational property
- →Private bridging for new-construction completions and assignments
Whistler mortgage services
We offer the full Mortgage Guru lineup in Whistler — 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 Whistler
Neighbourhoods we serve in Whistler
We know the lender list for Phase 2, for STR income, and for foreign buyers — three things most Lower Mainland brokers don't see often enough to underwrite confidently. Whistler files need that specificity.
Whistler mortgage FAQ
Can you finance a Whistler condo with Phase 1 vs Phase 2 covenant?+
Yes — and the covenant type drives everything. Phase 2 covenants restrict personal-use nights and most banks won't finance them at all. We work with the small group of lenders that lend on Phase 2 and structure the file around rental-pool income.
Do you arrange financing for Whistler revenue / nightly-rental properties?+
Regularly. Creekside, Whistler Village and Blackcomb Benchlands rental-pool units need lenders that count nightly-rental income properly. We use DCR-based underwriting instead of personal-income ratios.
What about non-resident or US buyer financing in Whistler?+
Yes — Whistler is one of the few BC markets where non-resident purchases are still common. We arrange financing through programs that work with foreign income, US tax returns and structured down payments.
Do you arrange private and second mortgages in Whistler?+
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 Whistler 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.
Ready to move your file forward?
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