Mortgage broker in Whistler.
Looking for a mortgage broker in Whistler? Whistler is a specialty market — short-term-rental income, second-home structuring, international buyers, and the Phase 1 and Phase 2 rental-pool covenants that decide how a condo can be financed. Generic mortgage advice doesn't work.
Whistler properties fall into very different lender buckets depending on zoning, owner-use restrictions, and short-term-rental rights. Phase 1 and Phase 2 rental-pool covenants are common here, and a unit tied to a rental pool sits outside regular mortgage lending. 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
- →Short-term-rental purchases on homes and condos you own and run yourself, outside any rental pool
- →Second-home detached and townhouse bridged off Lower Mainland equity
- →Refinances and equity take-outs on Whistler properties
- →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.
See the full program list on our Residential, Commercial, and Construction pages.
Neighbourhoods we serve in Whistler
We know the lender list for short-term-rental income and for foreign buyers — two things most Lower Mainland brokers don't see often enough to underwrite confidently. And we'll tell you up front when a unit is tied to a rental pool: that's technically not a regular mortgage, and it's best suited to a local credit union.
Whistler mortgage FAQ
What are Phase 1 and Phase 2 properties in Whistler?+
They aren't types of mortgage. Phase 1 and Phase 2 are rental-pool covenants — restrictions registered on a property's title — and they're common in Whistler. A Phase 2 unit must be available for rent to the public through a single rental pool, and the owner can use it personally for 28 days in summer and 28 days in winter, with the covenant setting out when extra time is possible. A Phase 1 covenant is less restrictive: when the owner isn't using the unit, it usually has to be offered to the public through a rental pool, but unless the covenant names a single pool, the owner can usually choose who manages the rentals or rent it out personally. A lawyer, notary or registry agent can pull a copy of the covenant on any title.
Can I get a mortgage on a Phase 1 or Phase 2 rental-pool unit in Whistler?+
Not through us directly. Financing a unit that's tied to a rental pool is technically not a regular mortgage, so it isn't something we arrange. Those units are best suited to a local credit union, such as Beem Credit Union. Where we can help is the rest of the purchase: if your down payment is coming from equity in a home you already own, we can arrange that refinance or line of credit.
Do you finance short-term rentals in Whistler?+
Yes, when the property is yours to run: a home or condo you own and control, with no rental-pool covenant on the title, rented out by you or a manager you choose. Whistler only allows nightly rentals where the property's zoning lists tourist accommodation or temporary accommodation as a permitted use, and you'll need a business licence from the Resort Municipality of Whistler — so confirm both before you buy.
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.
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