Private HELOC: Unlocking Home Equity Without Income Verification
October 9, 2026 | Posted by: Alex Vinarski
If you’re a homeowner looking for a flexible way to access the equity in your home without income verification, a private HELOC (Home Equity Line of Credit) might be the solution you nee ... [read more]
Private mortgage without monthly payments in BC.
October 4, 2026 | Posted by: Alex Vinarski
Private Mortgages Without Monthly Payments. Let me walk you through the main ways to structure a private mortgage with no monthly payments. Option 1: Private Reverse Mortgage (No Age Restrictions) ... [read more]
Rental Offset vs. Rental Add-On: How to Get Maximum Financing When Banks Said No
September 27, 2026 | Posted by: Alex Vinarski
Rental Offset vs. Rental Add-On: How I Got My Client Maximum Financing When Banks Said No When you own a rental property in Canada, you'd expect that a strong rental income would help you qualify for ... [read more]
Mortgages without income verification
September 23, 2026 | Posted by: Alex Vinarski
Mortgages Without Income Verification: Your Options in BC If you're self-employed, earn commission or tips, or have credit challenges, getting a traditional bank mortgage can feel impossible. Banks w ... [read more]
Mortgage based on Net worth, not income
September 12, 2026 | Posted by: Alex Vinarski
Asset-Based Mortgages: How to Qualify Using Your Net Worth, Not Just Your Income Asset-Based Lending (often called Net Worth Mortgage programs). What is a Net Worth Mortgage? Instead of s ... [read more]
What Is the Typical Loan-to-Value Ratio for Private Mortgages in BC?
September 6, 2026 | Posted by: Alex Vinarski
One of the most important factors when applying for a private mortgage in British Columbia is the loan-to-value (LTV) ratio. LTV compares the total mortgage financing to the appraised value of the ... [read more]
Real case scenario: buying pre-sale condo without income.
September 1, 2026 | Posted by: Alex Vinarski
Real case scenario: buying pre-sale condo without income. Client contacted me last year. She bought pre-sale few years back, completion was delayed by almost 2 years, client already retired and has ... [read more]
Private Commercial Mortgages in BC
August 16, 2026 | Posted by: Alex Vinarski
Private Commercial Mortgages in BC: A Flexible Financing Solution for Your Business If you’re a business owner or investor in British Columbia looking to purchase, refinance, or renovate ... [read more]
What to do when can't get a mortgage for pre-sale purchase
August 9, 2026 | Posted by: Alex Vinarski
Private & B-Lender Solutions for Pre-Sale Closing If you can't qualify with traditional lenders for your pre-sale closing, due to income, credit or short completion time, private and B-lenders of ... [read more]
How to Get a Mortgage When You're Self-Employed in BC
August 1, 2026 | Posted by: Alex Vinarski
How to Get a Mortgage When You're Self-Employed in BC Traditional lenders focus on your taxable income, but as a business owner, you know that line on your tax return doesn’t tell the whole sto ... [read more]
