Accessing the Best Mortgage Rates with Top Lenders in Canada and Powell River

At Garth Financial, we pride ourselves on partnering with some of the most reputable lenders in Canada to provide our clients with a wide range of mortgage options tailored to their unique needs. Our trusted lending partners include CMLS Financial, Equitable Bank, Lendwise, and Merix Financial, ensuring you receive competitive rates and flexible terms for your mortgage in Powell River and beyond.

Our Lending Partners: What They Offer

CMLS Financial

As one of Canada’s leading independent mortgage lenders, CMLS Financial brings over 40 years of experience to the table. They specialize in offering competitive rates and personalized solutions for residential and commercial mortgages.

  • Why Choose CMLS?

    • No posted rates, which means lower penalties for breaking your mortgage compared to big banks.

    • Flexible prepayment options, including annual lump-sum payments and increased regular payments, to help you pay down your mortgage faster.

    • Transparent and client-focused service backed by decades of experience.

Equitable Bank

Canada’s Challenger Bank™, Equitable Bank, offers innovative solutions for borrowers, particularly those who may not fit traditional lending criteria. They specialize in alternative lending options for self-employed individuals and those with unique financial situations.

  • Why Choose Equitable Bank?

    • Flexible stated income programs for self-employed borrowers.

    • Competitive rates for alternative lending products.

    • A strong focus on equity-based lending, making them ideal for borrowers with substantial assets but non-traditional income sources.

Lendwise

Lendwise offers creative and flexible mortgage solutions for Canadians, making them a great option for those looking for tailored financing options. They provide a variety of products to suit first-time homebuyers, seasoned investors, and homeowners looking to refinance.

  • Why Choose Lendwise?

    • Flexible underwriting policies designed to accommodate unique borrower needs.

    • Great options for rental property investors with their rental offset and income-addback programs.

    • Competitive rates with a focus on personalized customer service.

Merix Financial

Merix Financial is a trusted non-bank lender that prides itself on delivering excellent mortgage products through the broker channel. With their unique offerings, Merix allows homeowners to access exclusive mortgage rates while benefiting from flexible features.

  • Why Choose Merix Financial?

    • Competitive interest rates without the inflated posted rates used by big banks.

    • Easy-to-understand prepayment privileges, such as lump-sum payments and payment increases.

    • Transparent penalty calculations, making it easier to switch or refinance when needed.

Why Work With Garth Financial?

At Garth Financial, we leverage our strong relationships with these top lenders to offer you the best mortgage rates and terms in Powell River and across Canada. Whether you’re buying your first home, upgrading, refinancing, or investing, we can match you with the right lender based on your unique financial situation.

What Sets Us Apart?

  1. Wide Network of Lenders: By partnering with CMLS Financial, Equitable Bank, Lendwise, and Merix Financial, we ensure you have access to a diverse range of mortgage options, from traditional fixed and variable rates to alternative and flexible solutions.

  2. Customized Mortgage Solutions: We take the time to understand your goals and recommend the right lender and product to fit your needs—because one size doesn’t fit all.

  3. Transparent Guidance: We explain the differences in rates, terms, penalties, and features so you can make an informed decision.

How We Help You Save

  • Lower Penalties: Many of our lending partners, including CMLS Financial and Merix Financial, do not use inflated posted rates like big banks. This means you’ll face significantly lower penalties if you need to break your mortgage early.

  • Flexible Features: Enjoy prepayment privileges, payment flexibility, and transparent terms with lenders like Lendwise and Equitable Bank.

  • Alternative Lending Options: Equitable Bank specializes in helping self-employed borrowers, investors, and those with unique income situations access the financing they need.

Let Us Help You Find the Right Mortgage

At Garth Financial, we believe that home financing should be simple and stress-free. With access to lenders like CMLS Financial, Equitable Bank, Lendwise, and Merix Financial, we’re confident we can find the perfect mortgage solution for you—whether you’re buying, refinancing, or investing.

Call Garth Financial today to speak with your trusted Powell River mortgage broker, or apply online to get started. Let us do the work for you and secure the best mortgage rate for your unique needs!