Where we combine the service and accessibility of your bank with the best rates on the market. Convenient locations, great staff and the lowest rates in the country. We've discovered the winning formula.
When you visit or call us to discuss your mortgage needs, rest assured that you are receiving expert and non-biased advice. Our mortgage experts have only two things in mind while servicing you: finding the perfect mortgage product for you and attaining your complete satisfaction.
Oceanvale Mortgage & Finance, our partners, and our network combined arrange hundreds of millions in mortgage volume annually and as such get discounted mortgage rates. Lenders refer to this as "status." Brokerages that do a lot of volume get rewarded with lower interest rates to offer to their clients. We have top-tier status with all of our lender partners which means that the rate we get for you is the lowest possible - we simply cannot be beat.
Here’s how we simplify your mortgage process:
We offer a wide variety of mortgage solutions for your mortgage needs. Whatever your situation requires, we will provide you with educated advice and give you our honest opinion on what your best options are. Some of the loans and products we offer to our clients include but are not limited to:
Home purchase – Whether it’s your first time purchasing a home or you’re buying a second home, our mortgage specialists guide you and direct you through the entire process. We will let you know what you can expect, offer recommendations on credible realtors if needed, and of course manage all financing required throughout. We’re ready to use our years of experience to help you with buying a home.
Mortgage refinance – There are many reasons why you may want to refinance your mortgage. Perhaps you’d like to switch your mortgage to a lower rate or consolidate some tenacious debt. Or maybe you would like to access your home equity for a home renovation or to take a family vacation. We are here to advise you on what your options are as well as outline the benefits and potential drawbacks.
Mortgage renewal – When it is time to renew your mortgage, your current lender will send you a renewal offer well in advance of your renewal date. More times than not, the rate they offer you is higher than the best rates on the mortgage market. New clients can sometimes get offered more competitive rates than existing clients. We will dissect all of your options when it comes time to renew your Nanaimo mortgage and can help you get the lowest rate available.
Construction loans – We can arrange mortgage loans for clients who are looking to build their perfect home. Once approved for a construction loan you will receive funds at different stages throughout the building process. Once the home is complete, it will be time to refinance all of those advanced funds into a mortgage. This is where our team will put everything together into a mortgage product that suits you the best with a rate and payment that you are happy with.
Private lenders – Perhaps you’re unable to get approved by an institutional lender – that’s okay! Our team of mortgage advisors have access to private lenders that will approve applications that institutions won’t. Whatever the reasoning is - even if it’s bad credit or low income – we’re here to help.
Commercial lending – While commercial mortgages are different than your typical mortgage there are some similarities. However, in order to obtain a commercial mortgage, a different set of skills are required to ensure you are doing it properly. This is where we are happy to help and guide. Our staff is ready to help you complete all of your commercial projects.
Bridge loans – A bridge loan is a loan that eliminates the gap created by two major transactions, such as the sale of a home and the purchase of another one. A bridge loan can help with costs associated with the transfer and provide a sense of security during the process.
