- Mortgage broker · Licensed in BC and Alberta · Since 2006
When the bank says no, there is usually another way.
Helping home buyers, homeowners, and self-employed clients across BC and Alberta secure the right mortgage solutions, from traditional financing to construction and private lending.
$768M+
Mortgages Funded
1,675
Deals Closed
81+
Lending Sources
20
Years Brokering
About Rowan Smith
Mortgage Broker Services located in Vancouver, BC, Serving Burnaby, Richmond, Surrey, and all of BC and Alberta
Rowan has been a mortgage broker for 20 years. Since 2006, Rowan has funded over $768 million in mortgages across 1,675 closed deals, working with 23 banks and credit unions, 8 alternative lenders, and more than 50 private lenders and mortgage investment corporations. Rowan co-owns City Wide Mortgage Services with his 3 business partners.
In addition to straight forward home purchases, Rowan specializes in more complex transactions such as construction, private lending, commercial, and debt restructuring while in foreclosure.
- OUR SERVICES
Vancouver Mortgage Broker
Rowan Smith Mortgage Broker – City Wide Mortgage Services serves clients across Vancouver, Yaletown, Burnaby, Richmond, Coquitlam, Surrey, South Surrey, White Rock, Langley City, Fort Langley, Langley Township, Aldergrove, Abbotsford, Chilliwack, Hope, and the surrounding areas.
Contact Rowan Smith Mortgage Broker – City Wide Mortgage Services located in Vancouver, BC, Serving Burnaby, Richmond, Surrey, and all of BC and Alberta
Home Purchase Mortgage
Choosing Rowan Smith Mortgage Broker for your home purchase in Vancouver offers numerous advantages. Firstly, our tailored solutions for Home Purchase Mortgage in Vancouver are designed to meet your unique financial needs, ensuring you get the best possible terms.
Construction Mortgage
By choosing Rowan Smith Mortgage Broker for your construction financing in Vancouver, you gain access to a wealth of benefits. Our personalized approach to Construction Mortgage in Vancouver ensures that you receive tailored solutions that fit your project's unique requirements.
Private Lending
Choosing Rowan Smith Mortgage Broker for private lending in Vancouver offers numerous benefits. Firstly, you'll gain access to a wide network of private mortgage lenders in Vancouver, increasing your chances of finding a lender that suits your needs.
Equity Mortgage
An equity mortgage is one where the primary means of qualifying for the loan is the strong equity position within the property. For example, if a home is worth $750,000 and someone is trying to borrow $375,000 or 50% against the property. In this case, they would qualify for an equity mortgage.
Debt Consolidation
At City Wide Mortgage Services, we have been providing debt consolidation services since 1995. We work with many banks and credit unions that offer debt consolidation as well as many private individuals, investors, and Mortgage Investment Corporations that also offer debt consolidation loans.
Self Employed Mortgage
Rowan Smith Mortgage Broker at City Wide Mortgage Services is well situation to offer solutions for your self employed mortgage needs. Self employed mortgage borrowers are often “tax efficient” and worry that their low declared income to Canada Revenue Agency (CRA) will prevent them from getting a self employed mortgage.
- WHY CHOOSE US
Why client Choose Rowan Smith
Choosing Rowan Smith Mortgage Broker for your home purchase in Vancouver offers numerous advantages. Firstly, our tailored solutions for Home Purchase Mortgage in Vancouver are designed to meet your unique financial needs, ensuring you get the best possible terms. Our deep local market expertise allows us to provide insightful advice, helping you make informed decisions. We also pride ourselves on our efficient processing, minimizing wait times and bureaucratic hurdles. Additionally, our extensive network of trusted lenders ensures you have access to competitive options for Home Purchase Mortgage in Vancouver. Lastly, our commitment to transparent and proactive communication keeps you well-informed throughout the entire process.
- WHY CHOOSE US
Mortgage Services Areas
Rowan Smith Mortgage Broker – City Wide Mortgage Services Serves Clients Across the Following Areas
What Our Clients Say
Real experiences from clients we've helped with their mortgage needs.
FAQs
What types of construction projects qualify for construction financing?
Construction financing can be used for a variety of projects, including new construction, renovations, and additions. Whether you’re building a new home or renovating an existing property, construction financing can help you achieve your goals.
How long does the mortgage approval process take with Rowan Smith Mortgage Broker?
The timeline can vary depending on several factors, including the completeness of your documentation and the complexity of your financial situation. Typically, pre-approval can be obtained within a few business days, assuming all necessary documents are in order. The full approval process generally takes between 15 to 30 days after your application has been submitted. We strive to expedite this process wherever possible and keep you updated every step of the way.
Can I qualify for private lending if I have bad credit?
Yes, private lending can be a viable option even if you have bad credit. Private mortgage lenders in Vancouver often focus more on the value of the property and the potential for repayment rather than solely on credit scores. However, the terms of the loan, including interest rates and down payment requirements, may vary based on your credit history.
What types of construction projects qualify for construction financing?
Construction financing can be used for a variety of projects, including new construction, renovations, and additions. Whether you’re building a new home or renovating an existing property, construction financing can help you achieve your goals.
How long does the mortgage approval process take with Rowan Smith Mortgage Broker?
The timeline can vary depending on several factors, including the completeness of your documentation and the complexity of your financial situation. Typically, pre-approval can be obtained within a few business days, assuming all necessary documents are in order. The full approval process generally takes between 15 to 30 days after your application has been submitted. We strive to expedite this process wherever possible and keep you updated every step of the way.
Can I qualify for private lending if I have bad credit?
Yes, private lending can be a viable option even if you have bad credit. Private mortgage lenders in Vancouver often focus more on the value of the property and the potential for repayment rather than solely on credit scores. However, the terms of the loan, including interest rates and down payment requirements, may vary based on your credit history.
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Vancouver, BC V6H 1G7
- Blogs
Plain-English Guides for Every Kind of Buyer
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