02 — Residential Financing

The files others refer out.

From self-employed borrowers to complex debt situations — including record-breaking approvals others said couldn't be done.

Organized by lender type

Four lender lanes, one broker.

01

Prime / A Lenders

Through Dominion Lending Centres — Canada's largest mortgage network — we work with over 35 major banks, credit unions, and monoline lenders across BC and Alberta. More lender options than any single bank can offer.

Specialties
  • Purchases & Renewals
  • Refinancing
  • First-Time Homebuyers
  • Manulife One
  • HELOC (Home Equity Line of Credit)
  • Self-Employed with Strong Income
  • High Net-Worth Mortgages
  • Projected Income for Physicians
  • Projected Income for Newly Graduated Dentists & Veterinarians
  • Rental Properties
  • Divorce & Spousal Buyouts
  • Previous Consumer Proposal or Bankruptcy
  • The Smith Manoeuvre
  • Cash Damming Strategies
  • Equity Take-Out
  • Probate / Change of Ownership
  • Acreage / ALR (Agricultural Land Reserve)
  • Hobby Farm
  • US Income
  • Non-Resident
  • Purchase Plus Improvements
  • Debt Swap Strategy
02

Alternative / B Lenders

These are not fringe lenders — they include regulated banks and trust companies such as CWB (Canadian Western Bank), Equitable Bank, Home Trust, and Bridgewater Bank, with more flexible qualification criteria than the Big 6.

Specialties
  • Purchases & Renewals
  • Refinancing
  • Bruised Credit Borrowers
  • High Business Income / Low Personal Income
  • Non-Traditional Income
  • CRA & Tax Debt Consolidation
  • Divorce & Spousal Buyouts
  • Judgment & Collection Payouts
  • Debt Consolidation Mortgage
  • Rental Properties
  • Previous Bankruptcy
  • Active or Previous Consumer Proposal
  • Equity Take-Out
  • Probate / Change of Ownership
  • Acreage / ALR (Agricultural Land Reserve)
  • US Income
  • Non-Resident
  • Stated Income / Bank Statement Program
  • Purchase / Refinance Plus Improvements
  • Debt Swap Strategy
  • Insolvency Recovery Mortgages
03

Private Lenders

Mortgage Investment Corporations (MICs), private funds, and individual investors — numbering in the hundreds across BC and Alberta. When banks and alternative lenders say no, our private lending network provides asset-based solutions. A standalone specialty, not a fallback.

Specialties
  • Bridge Financing
  • No-Qualify Mortgages
  • Credit Recovery Financing
  • Equity Take-Out
  • Judgment & CRA Payout
  • Fast-Close Situations
  • Second Mortgages
  • Second Position HELOC
  • Probate / Change of Ownership
  • Purchase Refinancing
  • First Position HELOC
  • Interest-Only or No Monthly Payment Options
  • Acreage / ALR (Agricultural Land Reserve)
  • Foreclosure Mortgages
  • Insolvency Recovery Mortgages
04

Reverse Mortgages

Homeowners 55 and older can access their home equity without monthly mortgage payments. We work with Canada's top reverse mortgage lenders to find the best available programs and rates for your situation.

Specialties
  • No Monthly Payments Required
  • Access Home Equity Tax-Free
  • Stay in Your Home
  • Flexible Payout Options
  • Available Across BC & AB
  • Available to Homeowners 55+
  • Equity Take-Out
  • Probate / Change of Ownership