Alternative Mortgages

No income qualifier needed – Our Alternative Mortgage Program focuses on your real estate equity. Even if your credit is being rebuilt or you need to consolidate debts, our program has got you covered.

We offer first, second, and third mortgages in our Alternative Equity Program, with approvals based primarily on the equity in your property.

Why Choose Us?

One application, One credit check and access to over 30 of Canada’s top banks and credit unions!

  • Servicing Vancouver since 2008
  • 100% Independent
  • We work for you, not the lenders
  • Impartial expert advise

  • Credit, employment, and income are of little concern for us.

Our Team

Joel Sida

Principal Owner Mortgage Broker

Mortgage Broker Manager at iMortgage Canada, Joel specializes in new immigrants, mortgage checkups and private mortgages, he works with 30 lenders including top banks across Canada. If you need a mortgage we’ll make it happen for you!

Proud husband, dad, dog owner, sports enthusiasts. Joel has a bachelors degree in computer science, after completing his studies his found his true career in Real Estate after buying his first properties taking advantage of different programs in the market that are not always offer by the banker you get the deal with.

Maria Soriano

Credit Risk Analyst

Maria brings over eight years of distinguished experience in the investment and banking industry. Her deep knowledge of economics, coupled with a keen understanding of evolving market trends, positions her as a valuable asset to clients. Known for her analytical acumen and innovative approach, Maria consistently delivers strategic and impactful solutions tailored to meet the needs of our clients.

Sanket Bhagat

Mortgage Broker

With a passion for helping clients achieve their homeownership dreams, Sanket is a dedicated mortgage broker known for his expert guidance and personalized service. Drawing on extensive experience in the mortgage industry, Sanket navigates the complexities of financing with ease, ensuring that each client finds the best loan options suited to their needs. His commitment to transparency, integrity, and clear communication sets him apart, making the mortgage process smoother and more accessible.

What People Say

Joel Sida Mortgage Broker
5.0
Based on 47 reviews
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Grant Malinowski (GemLevy Projects Ltd)
00:00 06 May 22
Joel is a one stop shop when looking for a mortgage and finalizing your purchase. When you do not have the time to do the work yourself it is nice to have someone as trustworthy as him.
Corazón de Luna
21:25 03 Sep 21
Joel Sida is dedicated and knowledgeable great broker. His service was outstanding and I highly recommend him. He was always available to answer my questions or concerns. We are happy in our new house Thank you so much Joel!!!!! Camilo & Cristina Garcia.
Michael Daingerfield
19:46 03 Nov 20
Just want to thank Joel Sida for being such an attentive, supportive and professional mortgage broker during what can be a stressful experience. Joel was there every single step of the way and I am very grateful for what he accomplished for me in terms of my mortgage amount (being that I'm self employed it can be tricky) the bridge loan, mortgage rate and he even notified me about a $2500 cash back offer that TD was running that I was able to take advantage of. I fully recommend Joel to anyone looking for a mortgage broker! He is definitely ON IT!!!
Olivier Couston
00:58 09 Sep 20
Joel was recommended to me by a friend. He helped me with my first property purchase. Applying to a mortgage can be a bit overwhelming for a first time buyer and a non-canadian citizen. Joel guided me through the whole process, making it a lot easier and stress-free. It's nice being able to skip all the appointments at the banks, especially during this covid time. Not only he did all the hard work for me, but he also introduced me to a great real estate agent and a notary, covering the whole spectrum.
Blanca Lazo Realtor
20:43 05 Apr 16
I'm a Realtor, and Joel has been a big part of my success. He offers my clients options, he's knowledgeable, he's caring. It's tough to find somebody like this when everybody else wants to look after their own pocket first, Joel brings sympathy and respect to his clients. I've referred him to many of my personal friends, family and I've worked with him on my personal file many times. whether you're looking to buy your first place, refinance or invest Joel and will make you help you get there.
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We Work for you, not the banks

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Independent Mortgage Specialists

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