Stated income program for self employed in Vancouver and all of BC. No traditional income verification. We only need to see business registration and 6-12 month bank statements showing deposits from the business. Lender will use stated income. No tax return required. Commission income and tips can be used for income as well. Minimum down payment 20%. This program works for purchase and refinancing. Rental and owner occupied properties are OK. Clients with bad credit also can get a mortgage under this program. Rate from 5.14%&nbsp;For clients who can't show any income at all can get private mortgage or Private Home Equity Line of credit. All we need for this is application, credit bureau, and appraisal. Fast funding.&nbsp;

Mortgage for Self Employed in BC. Stated income program.

Mortgage Associate

Associé hypothécaire

Find the mortgage you are looking for with Alex Vinarski, Invis in North Vancouver, British Columbia. Languages: English, Russian

Alex Vinarski, Mortgage Professional, part of the Invis in North Vancouver, British Columbia

Trouvez l'hypothèque que vous recherchez avec Alex Vinarski, Invis à North Vancouver, Colombie-Britannique. Langues : Anglais, Russe 

Alex Vinarski, Professionnel hypothécaire, faisant partie de Invis à North Vancouver, Colombie-Britannique

As a seasoned private mortgage broker and lender in Vancouver and across British Columbia, I specialize in securing private mortgages tailored to meet diverse financial needs. Private mortgages provide flexible solutions for debt consolidation, business investment, renovations, property purchases, foreclosure prevention, and even education funding. Loan amounts range from $20,000 to $5 million, ensuring you have options that fit your unique requirements. When bank said No, we say Yes. <h4 dir="ltr">What is a Private Mortgage?</h4>Private mortgages are funded based on your property’s equity rather than income or credit history. They’re ideal for clients needing fast access to financing, with minimal documentation requirements. Typically, all that’s needed is a mortgage application, credit check, and appraisal. Private mortgages can be funded swiftly, with no upfront fees, and can offer an open mortgage option for maximum flexibility. Clients with any credit can get private mortgage. <h4 dir="ltr">Choosing a Private Mortgage: What to Consider</h4>When selecting a private mortgage, it’s essential to go beyond just the interest rate and fees. Renewal terms can vary significantly, with renewal fees ranging from $250 to as much as 1.5% of the mortgage amount. Some lenders may increase the rate by 2%-4% after the first year, while others keep it stable. Prepayments options also vary from fully open mortgage with even partial prepayments to fully closed with high penalties. I help you navigate these details to secure the best terms for your needs. <h3 class="editor_h3" dir="ltr">Private Home Equity Line of Credit (HELOC)</h3>A Private HELOC is another effective way to access your home’s equity without income verification. Whether registered as a first or second mortgage, a private HELOC functions similarly to a bank line of credit, offering flexible access to funds as you need them. This option requires only a mortgage application and an appraisal, with no pay stubs or tax returns needed and no upfront fees. <h3 class="editor_h3" dir="ltr">Home Equity Visa</h3>The Home Equity Visa is a flexible financing option registered as a first or second mortgage, with limits up to $500,000 and rates starting at 8.99%. In addition to having access to credit, clients earn 1% cashback on purchases. To qualify, business owners need only provide business registration and bank statements or paid invoices showing business revenue—tax returns are not required. <h3 class="editor_h3" dir="ltr">B Lenders and Stated Income Programs for Self-Employed Borrowers</h3>For self-employed individuals who may not qualify for a traditional bank mortgage, I offer solutions through the Stated Income Program with B lenders. This program requires only a 20% down payment, with rates starting at 5.14%. You’ll need a business registration and 6-12 months of bank statements showing business deposits. No tax returns are necessary, and even cash-based or commission income can qualify. This program can be used for home purchases, refinancing, or investing in additional properties. <h3 class="editor_h3" dir="ltr">Why Choose Alex Vinarski, Mortgage Broker Vancouver</h3>With over 17 years of experience, I provide private mortgages, HELOCs, and alternative financing options that are straightforward, fast, and designed to meet a variety of financial situations. Check out my Google and Facebook reviews. Contact me today to learn more about how a private mortgage can provide the financial flexibility you need.

private mortgages in Vancouver and BC, no income verification, equity loans, Home Equity Line of credit without income verification, bad credit

When selecting a private mortgage, it’s essential to go beyond just the interest rate and fees. Renewal terms can vary significantly, with renewal fee

Private Mortgages

Alex Vinarski

Viki Vvv

I have awesome experience with Alex. He is very knowledgeable broker and helped us to receive the best possible mortgage rate in the market.
I can tell that he can take care about his clients, even after the agreement has been concluded and always  answer to all the questions and gives advice if needed.
Thank you Alex for everything . I am very happy to work with you many years.

David Okropiridze

Smooth Mortgage Process with Alex!

I worked with Alex Vinarski to secure mortgages for two new condos, and the experience was seamless! He arranged everything without income verification, which made the process so much easier. The mortgages were open, so when I sold the properties a few months later, I didn’t have to worry about any penalties. Alex’s expertise and guidance were invaluable—highly recommend him for anyone looking for flexible mortgage solutions!

Dan Le

I would highly recommend Alex! I was in the market for a stated income mortgage and Alex helped me understand the entire process in a  fast and simple manner. He was also very reliable and always returned my calls/emails promptly. I plan to continue to use Alex's services for my other properties and future investments in Canada.

Tatiana Lebed

I know Alex for many years. First mortgage he did for me was 10 years ago. After that I bought few more properties. Just completed on another purchase. Alex got me a very good rate and the whole process was very smooth. Lender that he used calculated rental income from my other properties differently than my branch, and I managed to put less down payment. Very happy with this solution and with his professional service.

Natasha Evans

I would definitely recommend Alex to anyone who has an unconventional situation where regular financing is unavailable.  He was able to help me within a very short amount of time to find a solution while taking the stress out of the process. He was very professional,  fair in his fees and I felt he really cares about the client.

Jeremy Wong

Alex is the best mortgage broker I have worked with by FAR!!!

As an investor with multiple properties across Canada, it is often not easy to get financing, especially when parts of my income come from overseas. Many mortgage brokers even have declined to take me on, as they see me as a difficult case yielding limited results. Other brokers, I have found, put in only half-hearted efforts, sending my applications straight to private lenders instead of shopping around for the best rates first.

Alex put in an honest effort to find me the best rates. He was successful in helping me refinance two of my properties when I had been getting declines for years on them. He is professional and replies to all e-mails often within minutes.

I would definitely recommend. Five stars!

Applications Department

Alex Vinarski is a great mortgage specialist to have as a contact. He is highly informative and responds to files in a timely manner. Looking forward to working with Alex on any future files. Highly recommended!

Srini J

It was a pleasure doing business with Alex. I was in urgent need of funds, and he closed my second Mortgage in 3 days flat. The lawyer he recommended ( Irina Novinska) was extremely helpful in handling the rush transaction. The icing on the cake was the good rate that I got for the mortgage! I strongly recommend Alex and Irina for theie Mortgage and legal needs, and needless to say I will be working with them for all my mortgage needs

Leon

Alex did a excellent job on my mortgage and got me the best rate on the market at that time.  Alex has excellent people skills and great integrity.

Jason Orsi

I was looking for a mortage broker that could get me financing with a self employed income. I found alex on a google search and it was the best decision that i made, not only was the communication absolutely fantastic so was his buisness sence and clarity and understanding of mortgages. Right up to the day of closing he was involved, i would never disscuss or accept another mortgage unless it was through him.
Super highly recommended broker for best rate and clarity on your mortage.

Ivan Levchenko

Alex helped me to arrange mortgage on my first home. Not only he got me very good rate, but he also advice me on differences between mortgage products. In particular, on collateral charge mortgage.
I would definitely recommend Alex to all my friends and family, and planning to work with him on my next purchase.

Grace Zhang

When we were buying our first house, we did not know much about mortgages and we just wanted to get a better rate. Alex gave us a lot of information about mortgages, such as pre-payment options and penalty, portability to new property, differences between open and closed mortgage, and variable and fixed rates. We were surprised that different banks have different calculations for penalties, and the difference is very great. Alex showed us how much interest and principal we will be paying depending on amortization and the rate we choose.
Alex is a very knowledgeable and honest person. We would highly recommend him to all our friends who are looking to buy property or refinance their mortgage.

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