Welcome
Whether you are a first-time buyer or an experienced buyer with excellent credit, we can help.
Peter has access to the very best products and rates available across Canada.
GET IN TOUCHCalculators
Our Interactive Mortgage Calculators will allow you to explore your Mortgage options to make the right home financing decision.
USE NOWHow to Apply
Applying for a mortgage couldn’t be easier. Just complete our secure application and we will be in touch shortly.
APPLY HEREMy Mortgage Toolbox
Download our personalized mortgage app and get pre-qualified in under 60 seconds! Calculate your total cost of owning a home, estimate the minimum down payment you need, stress test your mortgage, and more!
LEARN MOREYour bank can only offer you what’s on its own shelf. As an independent mortgage broker, I shop your mortgage across Canada’s major banks, credit unions, trust companies and alternative lenders, so you see the full market before you sign anything, not just one lender’s best guess.
I’m Peter Carstensen, and I work with clients across Vancouver Island and beyond from my home base in the Cowichan Valley. You won’t be handed off to a call centre or a junior associate. I’ll be there from your first question to the day your mortgage funds, and I’ll still be there at renewal. My job is to find the right fit for your situation, explain your options in plain language, and make the process feel manageable.
Buying your first home, moving up, refinancing, renewing, buying acreage, self-employed, or carrying a file the bank said no to: I’ve seen it, and I’d like to help.
LEARN MORE ABOUT OUR SERVICES
My experience with Bayside Mortgage Solutions was awesome. They exceeded my expectations and I ended up with the best mortgage rate I have ever had!! Thanks Bayside Team, keep up the good work. I will recommend you to anyone I know who is looking for mortgages.
Launa
I have been working with Peter for the past 2 years now and it’s always a pleasure. His team provides thorough, high quality service, having their client’s best interest at heart. Mortgage options with real values are honestly presented and possible solutions are discussed, providing you with the best financial advice. Response times are very quick, with a team always offering friendly service and advice.
Liezel P.
Can’t say enough great things about Peter and Bayside Mortgages! We recently renewed our mortgage and Peter was so informative about our options, breaking down all of the details and making the whole process a lot less daunting! He got us a better rate than anyone else was offering. I highly recommend his amazing services!
Breanne
Overall, great experience.
Rylee
Peter has the big picture understanding of the money game and a healthy and refreshing detachment from the business of buying real estate, a personal commitment to provide excellent service which meant a hugely appreciated ability to translate financial options and practicalities and a skill to see possibilities that others missed. We felt taken care of and expertly guided from beginning to end.
Happy Clients in Duncan BC