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
“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.
I was in need of a mortgage product to refinance my house that was on a high-interest mortgage. Peter at Bayside, as always, was right there, guiding me at every step, about what to do and what I have at my disposal. With minimal effort on my part they got me a significantly lower interest product that is going to save me good chunk of money over the term and also gives me more control on my finances. Thank you Peter.
Sukhi
Peter helped me with my financing on my first house when I lived in Calgary, Alberta. He was more than great help. His service was exceptional and made the process very easy. Then when I move to Red Deer and was porting my mortgage, the bank was making it difficult, Peter helped me out and identified the issue in minutes, which the bank had not identify in the weeks. He received no compensation for this, but went above and beyond to help me out. Unfortunately, when I moved to Vancouver Island Peter was not licenses here, so I went through a bank again and had similar issues. It will not happen again. I will be looking to Peter when my mortgage comes up for renewal. His patience, commitment and service is top notch!
Neil
Peter took on this extremely complicated file, and never gave up until he got it done. Peter did what other lenders couldn’t do. Exceptional service.
Kipp M. (Realtor)
We relied on Peter’s advice and guidance which proved to be totally accurate. We have already recommended him to friends and family when they require mortgage and financial advice.
Peter & Joan W.