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
Peter went above and beyond to help us with getting our mortgage figured out. Even after everything was done, he was still willing to answer my questions and contact financial institutions for me. Thank you so much for all your help!
Merentia
I was referred to a couple brokers by my realtor – Peter was the only one who answered right away. I had a unique situation which Peter walked me thru every step, providing me with call backs as we went thru the process. Peter was very personable, intelligent and responsive. I would not hesitate to send business his way.
Grant W.
I had no luck getting a mortgage with a major bank. Within eight days of meeting Peter, he had my mortgage approved. As a first time home buyer, he navigated the process for me seamlessly. With that kind of service, I’ll be a returning client.
Ryan
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