The vast majority of our services are provided at no cost to you! In rare cases, such as private financing, there may be a fee. We promise that there will be no surprises and we will keep you informed throughout the process. We use one simple application for all products and services. To get started on your application, simply click Apply Now.

Buying a home is a major decision and will likely be the largest investment of your life. To best prepare you, we can offer you a pre-approved mortgage. This means that before you even start shopping, we can help you to determine your purchasing power and also hold interest rates for you for up to 120 days.

The process for getting approved is simple. Contact us by email or phone and we can provide you with an application. This application is also available online under the Apply Now Tab.

Once we have your application and supporting documents, we can provide you with numbers regarding your purchasing power, down payment needed and monthly mortgage payments within a business day.

Purchasing a home is an exciting and nerve-racking time. We specialize in making the process simple and easy. Whether you have a pre-approved mortgage with us or, you have made an offer on a new home and are needing financing answers fast, we can help. Once you have an accepted offer on your new home it is a matter of a few days, sometimes even a few hours, and we can have you approved and ready to remove subjects. We work closely with your Realtor to ensure every part of your team is kept up to date on a daily basis. From the beginning you will know what kinds of income and down payment information our lenders need from you. Once fully approved, we can recommend you to our team of insurance agents and lawyers to ensure you have the best people working for you at all times. You have found the perfect home, we ensure you have the perfect mortgage. Simply click APPLY NOW to get started.

When refinancing a mortgage, there is always a final goal in mind. It may be access equity to pay for that renovation project or to consolidate some debt. Perhaps you are looking to invest in a second home or investment property. Or maybe it is as simple as wanting to decrease your interest rate or mortgage payments. Whatever your goal, we can help to find a solution. We always take to time to discuss your needs and financial plan to ensure that your mortgage is supporting your plan. Your home is important to you and getting you the right mortgage is important to us..

We specialize in helping people who work for themselves to get the perfect mortgage financing. We understand that your accountant and financial advisor work hard to save you money and this is why self-employed individuals often write their personal income down or may even shelter income in their corporation. We have excellent lenders who can qualify people working for themselves based on the fact they are self-employed, and not on how much income they claim to the government. Whether you are looking to buy a home, refinance a current mortgage to access equity or get a better rate, or are looking for options because your mortgage is up for renewal, we have answers for you. You work for yourself because you love your work, let us help you realize your real estate goals by arranging the perfect mortgage for your perfect home.

Financing an investment property is very different than qualifying to purchase a home to live in. However, few investments will make as big a difference in your portfolio as an investment property. One excellent way to invest in real estate is to use the accumulated equity in your home as a down payment on your investment property. A real estate investment can start generating income almost immediately, and it appreciates over time at a rate unparalleled by other investments, especially in the Greater Vancouver Area. Working with a knowledgeable Mortgage Broker is vitally important when buying your own home, but it is imperative when buying an investment property. At West Coast Mortgages, we are not only experienced property investors personally, we have helped hundreds of clients improve their financial well being through investment real estate. We have the skills and knowledge to help you too.

When your mortgage is coming up for renewal, it is an excellent time to access your financial plan to ensure you are on track. This may mean that it is time to explore moving your mortgage to a new lender. We encourage people to begin exploring options for their mortgage renewal about 4 months before it is actually due. Because we can hold rates for up to 120 days, we can acquire the very best interest rates well in advance. Your current mortgage lender has likely served you well but, do be careful when your renewal notice appears. Lenders will often offer renewing clients an interest rate at that up to 1.5% higher than the discounted rates offered to new clients. Should we determine that a mortgage move is in your best interest, there is no charge to you. The home does not have to be appraised and you do not have to visit a lawyer. If you have to have a mortgage, let's make sure it is the right one!

What happens if you need to move your mortgage from one property to another before your term is up? Perhaps you are moving to a new home for work, downsizing or even upsizing. Moving your financing from lender to lender is called ‘porting’ or ‘transferring’ your mortgage. It is important to note that not all lenders allow transfers. As a professional mortgage broker, my job is to make sure you have the correct mortgage to fit your family and if you have the potential of moving before your term is up we will make sure your mortgage is ‘portable’. Did you know that more than 70% of Canadians require this feature on their mortgage because they will break their term usually around the 36 month mark for one reason or another? It pays to have an unbiased mortgage broker working for you!

Sometimes chartered lenders are not able to assist us due to the limitations of their lending guidelines. In these cases, we have access to several private lenders and second mortgage companies. These lenders can work quickly to get you the funds you need when you need them most. Private financing will usually require that the home be appraised and lender and broker fees will be applicable. We believe that it is important to have a plan, so when we arrange a private mortgage, we always lay out an exit strategy ensuring the borrower has options down the road for other lending solutions. Our goal is to assist you in rehabilitating your financial situation, if need be, to get you back into a more traditional, lower interest mortgage. We have helped many of our clients move through challenges and get back on track, and we can help you too.

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We would love to hear from you and see how we can help

Call us...

604-534-6504

Office...

200 - 8661 201 Street
Langley, British Columbia
V2Y 0G9, Canada