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
This was the second time we used Peter and his team!! Anytime we asked a question, we got an immediate answer ! They knew what forms we needed and helped us along the way to make the mortgage process super simple and worry free!! Thank you so much for taking care of our family and we will use your team in the future for all our needs!! Also recommend anyone to get help from Peter and team .. you won’t be disappointed!!!!
Cheryl & Dean
I only spoke to Peter and genuinely appreciated his knowledge and frankness. He educated us on what would be our best course of action and explained that based on our situation it wasn’t in our best interest to leave our current mortgage provider. Rather than generating business for himself he put our financial well being ahead of his… I most definitely can’t say this of our bank. Thank you.
Lindsey
This is the third time I have used Peter and his team! They are extremely professional and a pleasure to deal with! I would not hesitate in referring them to anyone.
Melissa
I have dealt with Peter for several years He has always worked hard to get me the best rate possible, and has gone the extra mile to meet my needs. I will continue to work with Peter going forward.
V. Simons
We would highly recommend Bayside Mortgage Solutions. Peter is very professional, he explains very clearly every step of the mortgage process and what to expect. We had a very good experience with him and he helped us with achieving our dream home.
Sam and Ng