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Alternative Mortgage Solutions for Real Life

Life happens. Sometimes traditional lenders just aren’t the right fit and that’s where alternative lending comes in. Whether you’ve been turned down by a bank, are newly self-employed, or navigating a major life change, we specialize in helping real people find real mortgage options.

Self-employed client exploring B lender mortgage options online

What Is Alternative Lending?

Alternative lenders (including B lenders and private lenders) offer flexible mortgage options outside the traditional banking system. They look at your full story  not just your credit score.

Who It’s For

  • Self-employed without traditional income proof

  • Low or bruised credit

  • Recent bankruptcy or consumer proposal

  • Unusual income sources

  • Needing a short-term or bridge mortgage

  • Unable to qualify with big banks

Vancouver Island home purchased with private mortgage
Mortgage broker in Nanaimo helping clients sign alternative lending documents

Why Clients Trust Us

We don’t judge. We listen. And we go to bat for you. With access to a wide network of alternative and private lenders across BC, we help clients who’ve been told “no” finally hear “yes.”

Let’s get you on track with a plan that works for today and builds toward your future.

We’re not just Mortgage brokers — we’re a family helping families. With over 40 years of combined experience, we know how to get things done with heart, hustle, and zero pressure.

604-230-9206

250-618-5053

Proudly serving clients across Vancouver Island, the Fraser Valley, and the Lower Mainland — including Nanaimo, Parksville, Duncan, Ladysmith, Cowichan, Qualicum, Port Alberni, Langley, Surrey,  Abbotsford, Chilliwack, and beyond.

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Copyright © 2025 Rita & Rachel Cousins - All Rights Reserved

Disclaimer: The information provided on this website is for general purposes only and may not always reflect the most up-to-date details. As mortgage brokers, we strive to maintain accurate and current content, but errors or omissions may occur. Always consult with a professional advisor for personalized advice. We appreciate your understanding.

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