Mortgage Services in Nanaimo, Vancouver Island & The Lower Mainland
Mortgage Support You Can Trust
With Heart, Experience & Straight Answers
We're Rita & Rachel Cousins — a mother-daughter mortgage duo combining 40+ years of experience with real, personalized support for every kind of borrower. Here’s how we can help:
First-Time Home Buyers
Nervous? Excited? Unsure where to start? We’ll guide you step-by-step through the mortgage process, help you understand your budget, and connect you with the best options.
Refinancing & Debt Consolidation
Access home equity to pay off high-interest debt, finance a major expense, or invest in your future. We'll help you understand the pros, cons, and true cost.
Mortgages for Self-Employed Borrowers
We work with lenders who understand business owners and know how to assess income beyond T4s.
Mortgage Renewals
Your mortgage is up for renewal? Don't sign anything yet. We shop across top lenders to find you better rates and terms — often with no cost to switch.
Real Estate Investing
From rental income to flipping homes, we know how to structure investment mortgages that support long-term wealth.
Reverse Mortgages
For homeowners 55+, a reverse mortgage lets you access tax-free home equity without selling or moving. It's flexible, and repayment happens only when you move or sell.
What Our Clients Say
LS
Rita is an absolute life saver! So quick thinking, devotes 110% to her clients and went more than abvoe and beyond for us. She worked worh us tirelessly for 3 years to save our home. There is no way I can express my gratitude properly and i will continue to tell anyone and everyone who listens that these people are the best in the biz!