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

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

Nanaimo 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.

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Who We Are

We’re Rita & Rachel Cousins, a mother-daughter mortgage duo serving Vancouver Island, the Lower Mainland, and beyond with a combined 40+ years of experience.

Rita brings the wisdom of over 35 years in banking and mortgage brokering. Rachel adds a modern edge with fresh insight, organization, and a deep care for each client’s journey. Together, we balance experience and innovation to create a mortgage experience that feels less stressful, more personal, and tailored just for you.

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.

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.

Why Work With Us?

Independent Mortgage Brokers: We’re not tied to one bank. We shop around to find what’s best for you.
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.
Expertise You Can Trust: With decades of experience, we’ve seen it all, and we still believe in doing things the right way.

Rita and Rachel Cousins Mortgage Brokers