Alternative & Private Mortgages in Nanaimo
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 are navigating a major life change, we specialize in helping real people find real mortgage options.
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
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Self-employed without traditional income proof
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Low or bruised credit
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Recent bankruptcy or consumer proposal
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Unusual income sources
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Needing a short-term or bridge mortgage
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Unable to qualify with big banks
Why Clients Trust Us
Rita listens without judgement and reviews potential alternative or private mortgage options. She explains the proposed rate, lender and broker fees, legal and appraisal costs, payments and term before you decide.
Short-term financing needs a realistic repayment or replacement plan. Rita helps you consider that plan and what happens if circumstances change. Financing remains subject to lender approval.
Who We Are
Rita Cousins is a mortgage broker with Mortgage Architects, based in Nanaimo and serving Vancouver Island and the Lower Mainland. She brings over 45 years of experience in the mortgage industry.
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Rita leads mortgage advice, compares suitable lender options and explains the costs and conditions. Rachel Cousins provides paperwork and administrative support, helping keep the process organised. Your mortgage questions and financing decisions are discussed directly with Rita.
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We know that getting a mortgage isn’t just a transaction; it’s a life moment. That’s why we take the time to truly listen and walk with you through every step.
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Whether you're buying your first home, refinancing, or investing in property, our goal is simple: to make you feel confident and cared for every step of the way.
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Why Work With Us?
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Personal Mortgage Advice: Rita compares options from different lenders and recommends what fits your circumstances.
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Local & Personal: We’re based in Nanaimo, but we proudly serve clients across Vancouver Island and the Lower Mainland — including Duncan, Parksville, Port Alberni, and the Fraser Valley. Whether you’re local or looking to buy in these regions, we’re here to help you find the right mortgage solution. We love serving our community and building lasting relationships.
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Expertise You Can Trust: With decades of experience, we’ve seen it all, and we still believe in doing things the right way.​​​​