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
We’ve done several mortgages over the years with Peter at Bayside Mortgages. His expertise and level of service are second to none. Our Realtor actually commented that she’s never worked with a mortgage broker who was so engaged and knowledgeable. Highly recommend!
Darcia L.
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 has a wonderful sense of humour that is absolutely essential when dealing with the financial world. I’ve appreciated his attention to detail while being accessible and responsive during my home refinance process.
C.S.
“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