Category: Announcements (58 posts)
Renewing and Refinancing Private Mortgages in Canada
May 3, 2025 | Posted by: Alex Vinarski
What Happens When Your Private Mortgage Term Ends? Private mortgages usually have short terms—6 months to 2 year. At the end of the term, you’ll need to either: Renew the Mortgage ... [read more]
Mortgages for borrowers with bad credit.
April 30, 2025 | Posted by: Alex Vinarski
Mortgage Options for Bad Credit Borrowers Private Lenders: Unlike traditional lenders who place heavy emphasis on credit scores, private lenders primarily assess the value of the propert ... [read more]
Bad Credit Mortgages in Canada: Facts vs. Fiction
April 19, 2025 | Posted by: Alex Vinarski
Think bad credit means no mortgage? Think again. Here's the reality: ✅ Credit score isn't everything - Even some A lenders may approve you with bad credit if you have strong compensating ... [read more]
Private HELOC: Unlocking Home Equity Without Income Verification
April 13, 2025 | 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]
What to do when can't get a mortgage for pre-sale purchase
April 6, 2025 | 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]
Can I get a HELOC without income verification?
March 23, 2025 | Posted by: Alex Vinarski
Yes, it's possible to get a HELOC (Home Equity Line of Credit) in Canada without income verification, and even with bad credit. Private lenders can arrange HELOCs based on your home equity rather th ... [read more]
Real case scenario: buying pre-sale condo without income.
March 15, 2025 | 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]
Partial Interest Mortgage
March 9, 2025 | Posted by: Alex Vinarski
What is a Partial Interest Mortgage? If you co-own a property and need to access funds without involving the other owner, a partial interest mortgage (also called a 'half interest mortgage ... [read more]
Are Private Mortgages Safe?
March 1, 2025 | Posted by: Alex Vinarski
Private mortgages are generally safe when structured with a clear exit strategy and the means to make payments. However, there are a few things to watch out for to ensure you’re gettin ... [read more]
Overcoming mortgage obstacles
February 24, 2025 | Posted by: Alex Vinarski
Stuck in a mortgage dilemma? Here’s how you can find a way forward! Getting a mortgage can feel like navigating a maze, especially with obstacles like bad credit or self-employment. Here are sim ... [read more]
Buying a Pre-Sale Property When You Can’t Get a Mortgage from the Bank
February 22, 2025 | Posted by: Alex Vinarski
Purchasing a pre-sale property can be an exciting opportunity, but what happens if you find yourself unable to secure a mortgage from the bank when it’s time to complete the purchase? Many buyer ... [read more]
Private Commercial Mortgages in BC
February 15, 2025 | 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]
Divorce and Mortgage: How to Keep the Property When Going Through a Separation
February 9, 2025 | Posted by: Alex Vinarski
Divorce and Mortgage: How to Keep the Property When Going Through a Separation Divorce is a challenging time, and figuring out what to do with shared assets, like your home, can add to the stress. If ... [read more]
Private mortgage renewal
February 3, 2025 | Posted by: Alex Vinarski
Private mortgages typically have a one-year term. While some private lenders will charge a fee to renew for another year, others may increase the interest rate after the first year. With the prime r ... [read more]
Bad Credit? Bank Said No? You Can Still Get a Mortgage!
January 25, 2025 | Posted by: Alex Vinarski
If you have bad credit and the bank said no to your mortgage application, don’t worry. You still have options to buy a home or refinance your property. There are lenders who specialize in help ... [read more]
No Income Verification Mortgages in Canada
January 18, 2025 | Posted by: Alex Vinarski
Understanding No Income Verification Mortgages in Canada In today’s ever-changing financial landscape, traditional mortgage requirements can pose challenges for individuals with non-traditional ... [read more]
Changes to the mortgage market
January 11, 2025 | Posted by: Alex Vinarski
. There are a few changes to the mortgage market and, for a change, they are actually good news! No More Stress Test for Transferring a Mortgage to A New Lender Eff ... [read more]
Mortgage for Self Employed. Stated income program.
January 5, 2025 | Posted by: Alex Vinarski
Stated income program for self employed in Vancouver and all of BC. No traditional income verification. We only need to see business registration and 6-12 month bank statements showing deposits from t ... [read more]
Home Equity Line of credit without income verification
December 29, 2024 | Posted by: Alex Vinarski
I can arrange up to $1,000,000 Home Equity Line of Credit HELOC up to 75% of the property value without any income verification. HELOC can be done as a first or second mortgage, and based p ... [read more]
Mortgages for Small Business Owners: Overcoming Income Verification Challenges
December 22, 2024 | Posted by: Alex Vinarski
Mortgages for Small Business Owners: Overcoming Income Verification Challenges As a small business owner, securing a mortgage can feel like an uphill battle. Traditional lenders often require extensi ... [read more]
Private mortgages in small towns in BC
December 14, 2024 | Posted by: Alex Vinarski
Private Mortgages in Small Towns Across British Columbia Are you looking for a private mortgage in one of British Columbia’s smaller towns? I specialize in providing private mortgages across th ... [read more]
Private mortgages for pre-sale purchases in Vancouver, BC
November 21, 2024 | Posted by: Alex Vinarski
Unlocking Solutions: Private Mortgages for Pre-Sale Purchases in Vancouver, BC Are you among the many buyers facing challenges securing a mortgage from traditional banks upon the completion of a pre- ... [read more]
Private Mortgages in Canada: A Flexible Financing Solution
November 8, 2024 | Posted by: Alex Vinarski
Private Mortgages in Canada: A Flexible Financing Solution Alex Vinarski, Mortgage Broker Vancouver Navigating the world of mortgages can be challenging, especially if you have unique financial circ ... [read more]
Private Mortgage vs. Private HELOC in Vancouver
October 13, 2024 | Posted by: Alex Vinarski
Are you a Vancouver homeowner grappling with financial challenges or in pursuit of additional funds? Navigating the nuances between private mortgages and private Home Equity Li ... [read more]
How to get a mortgage for self-employed in Vancouver BC.
October 7, 2024 | Posted by: Alex Vinarski
What are the options for self-employed to get a mortgage in Vancouver BC. If last 2 years income on Notice of Assessment NOA (line 150) is high enough to qualify for the mortgage, then th ... [read more]
Stated Income Program for self-employed
September 3, 2024 | Posted by: Alex Vinarski
Stated income is bank program designed to help self-employed borrowers to get a mortgage without showing income from tax return. This program also called Alternative A or Alt A mortgage. Borrower wi ... [read more]
What to Do If You Can't Pay for Your Pre-Sale Purchase
August 2, 2024 | Posted by: Alex Vinarski
Pre-sale properties are a popular choice for many buyers in Vancouver, BC, offering the promise of a brand-new home at a future date. However, circumstances can change, and some buyers find themselves ... [read more]
Deposit financing
June 5, 2024 | Posted by: Alex Vinarski
For clients who have firm sale of their home, and need money for deposit for new property, I can arrange loan based on the firm sale contract with subject removed. This is not registered as a mortga ... [read more]
Reverse mortgage without set-up fee.
May 1, 2024 | Posted by: Alex Vinarski
Reverse mortgage promotion. Lender will wave $995 set up fee for all new mortgage applications, and they also will beat any posted rates for comparable reverse mortgages. Reverse mort ... [read more]
Private mortgage in Vancouver
April 28, 2024 | Posted by: Alex Vinarski
I am mortgage broker specializing in private mortgages, and also private mortgage lender in Vancouver, and all lower mainland, Fraser Valley and small towns in BC. When looking for privat ... [read more]
Private mortgages. Where they can be helpful.
March 29, 2024 | Posted by: Alex Vinarski
Private mortgages. Where they can be helpful. Private mortgages based only on equity in the property. Private lenders don’t need to see any income documents, and usually Ok with almost ... [read more]
Home Equity Visa at 8.99% No income verification.
March 25, 2024 | Posted by: Alex Vinarski
HOME EQUITY VISA. It works as regular visa card, but secured by your home.This is better product than second mortgage, as you only pay interest on money that you actually use, and it's fully ope ... [read more]
What to Do When You No Longer Qualify for a Mortgage on Your Pre-Construction Property
March 17, 2024 | Posted by: Alex Vinarski
Are you facing the disheartening situation where you no longer qualify for a mortgage on your pre-construction property? It's not an uncommon scenario, but it can certainly be distressing. However, th ... [read more]
Need to pay off CEBA loan?
January 10, 2024 | Posted by: Alex Vinarski
Need to pay off CEBA loan? With just 13 days left, business owners can obtain up to $20000 in loan forgiveness by paying before the January 18 deadline. I can arrange private second, first or even t ... [read more]
Factors to consider when applying for reverse mortgage.
January 9, 2024 | Posted by: Alex Vinarski
A reverse mortgage is a financial product that allows homeowners who are 55 years or older to access the equity in their home tax free and without income verification. With a rever ... [read more]
Private mortgage lender in Vancouver
January 5, 2024 | Posted by: Alex Vinarski
Best private mortgage rates in Vancouver and most of BC. 1 st mortgages from 6.49%. Second mortgages from 9.95%. I can arrange regular mortgages and Home Equity Line of credit HELOC. No income verific ... [read more]
Private Mortgage Refinancing: When And How To Do It
December 18, 2023 | Posted by: Alex Vinarski
Refinancing your private mortgage can be a savvy financial move, offering opportunities to reduce monthly payments, access home equity, or achieve various financial goals. However, understanding when ... [read more]
Best rate for Stated income program
October 22, 2023 | Posted by: Alex Vinarski
6.54% 3 years fixed rate mortgage under Stated Income Program for self-employed. Minimal income verification. Up to 80% of the property value. Purchase and refinancing.For self employed only need ... [read more]
HELOC For Home Improvements: Adding Value To Your Property
October 22, 2023 | Posted by: Alex Vinarski
When it comes to enhancing the value of your home, making strategic improvements can be a game-changer. Whether you're dreaming of a stylish kitchen makeover, a spa-like bathroom renovation, or boosti ... [read more]
Private mortgage without monthly payments.
September 6, 2023 | Posted by: Alex Vinarski
Borrow up to 40% of the home value without income verification, and no monthly payments. This mortgage is similar to Reverse mortgage, but does not have age restriction. Current rate 8.65% f ... [read more]
Solving Complex Financing Needs: Private Commercial Mortgage Brokers
September 6, 2023 | Posted by: Alex Vinarski
In the dynamic realm of commercial real estate, complex financing needs often arise, presenting businesses with unique challenges that demand innovative solutions. These challenges can range from larg ... [read more]
Reverse Mortgage for homeowners who is 55+ at Best rates. Free appraisal.
March 20, 2023 | Posted by: Alex Vinarski
Reverse Mortgages for borrowers 55+ at best rates in Canada. No income verification. Mortgage amount based on property value and age of the borrowers. Purchase or refinancing. I ... [read more]
Mortgage on Mobile home on PAD
January 28, 2023 | Posted by: Alex Vinarski
MOBILE HOMES ON PAD. I can arrange private mortgage on mobile home in a mobile home park on PAD. Even when clients don't own the land, they still can get a mortgage. Must be 15 years old or ne ... [read more]
Private HELOC ( Home Equity Line of Credit) on commercial properties.
May 17, 2022 | Posted by: Alex Vinarski
If you need money, but can’t qualify for a mortgage with institutional lender I can arrange private mortgage of HELOC on your property. It can be a purchase or refinancing. Home Equity line of ... [read more]
Mortgages without income verification
May 9, 2022 | Posted by: Alex Vinarski
Rates for mortgages without income verification. B side mortgages. Stated income. For clients who do not show much income on tax return, but can show that they do generate income ( 3-6 month bus ... [read more]
Private mortgage up to 85% of the property value
April 27, 2022 | Posted by: Alex Vinarski
Private Mortgages up to 85% of the property value. Rates 7.99%-8.99% for 1 st mortgage, and 12.95% for 2nd. Minimum credit 620 for purchase and 650 for refinancing. No income verification, no upfront ... [read more]
Mortgage on Mobile home
March 5, 2022 | Posted by: Alex Vinarski
I have private lenders who will do mortgages on mobile home on PAD (not on own land).Rates from 8.5%. Purchase of refincnaing. Must be 2000 or newer, or substantially renovatedUp to 65% of the pr ... [read more]
Mortgage based on Net worth, not income
February 16, 2022 | Posted by: Alex Vinarski
The Net Worth Program is offered to clients who can't show high income, but can show liquid assets and have good credit scores. Any loan amount requested above the qualified loan amount will require $ ... [read more]
Best mortgage rates for bank and private mortgages.
October 19, 2021 | Posted by: Alex Vinarski
Mortgage rates look very good. In fact, right now it's possible to get a private mortgage at a rate lower than bank mortgage in 2007. Here what we have for best mortgage rates: Regular A side bank mo ... [read more]
Mortgages for pre-sale purchase
August 13, 2021 | Posted by: Alex Vinarski
Right now many buyers can't get mortgage with the bank, at the time they need to buy their pre-sale properties. Many builders has restrictions on assignments as well. Buyers are in difficult situatio ... [read more]
Best mortgage rates.
May 9, 2021 | Posted by: Alex Vinarski
Regular A side bank mortgages. Insured ( down payment less than 20%) or insurable with down payment 35%: 5 years fixed- 1.9%, 2 and 3 years fixed 1.54%. 5 years variable 1.2% B side mortgages. ... [read more]
Income from China
January 9, 2021 | Posted by: Alex Vinarski
I have a lender who will use income from China, even if it's not reported in Canada. Employment, business or even rental income is OK, as long as client can verify it. Purchase or refinancing. Very go ... [read more]
Commercial mortgages with 0% and 15% down payment
September 14, 2020 | Posted by: Alex Vinarski
We have special programs for professionals (doctors, chiropractors, veterinaries, accountant etc) that allow to buy commercial property for office use with 0% down payment.With CMHC insured financing ... [read more]
What to look at when taking Private mortgage
August 13, 2020 | Posted by: Alex Vinarski
What to consider when looking for private mortgage.When looking for a private mortgage clients should not only look at the rate and the fee for the mortgage.Very important also renewal fee. Some lende ... [read more]
Mortgage market update
July 30, 2020 | Posted by: Alex Vinarski
Mortgage market update. The real estate market is pretty active lately and one of the reasons is very low mortgage rates. Here is some review on what products and rates currently avai ... [read more]
Income from China and Hong Kong
December 3, 2018 | Posted by: Alex Vinarski
We have a lender who can use income from China or Hong Kong. As long as clients can show income documents, they can use this income for purchase or refinancing in Canada. Rates about the same as with ... [read more]
Equity mortgage at best rates
July 30, 2015 | Posted by: Alex Vinarski
New lending program, that uses clients net worth, not an income to qualify for a mortgage. Program works for purchase and refinancing of prime residence (not rental) up to 65% of the property value, ... [read more]
Welcome
January 24, 2012 | Posted by: Roar Solutions
Welcome to my new Website. I hope you find the information interesting. Should you have any questions, please feel free to contact me. ... [read more]
