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
Loved working with you guys, it’s why I always come back.
Mark
“Bayside mortgage has been exceptional to work with. Peter and Anna are totally professional, yet efficient and friendly. They showed extreme patience with us, walked us through every step, and got us to our final goal. We couldn’t be happier with the experience. I would gladly recommend Bayside Mortgage to anyone.” -Lynda
Bayside Mortgage is fantastic! Peter has worked with us on 4 of our mortgages, in two different provinces, Alberta and Manitoba. He is patient and dedicated to providing the best service he can his clients. I highly recommend him to everyone.
Crystal and Nathan
Amazing knowledge and service! Peter’s team is great to work with ! We are very happy with our mortgage rate and the ease of the process we went through.
Vanessa
“Peter and his assistant, Anna, were wonderful and very quick to respond when we had a tight timeline. Financing was in place with time to spare before our deadline to remove conditions. Answered all of our questions (there were many) and made themselves available at all times. We really appreciate how quickly and painlessly they put together our financing for our dream property when our lender we had been with for 17 years, said they had “no appetite for land loans.” Now going forward with a lender much better suited to our plans!” -J.B.