WESTMONT LENDING
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Westmont WESTMONT Lending
Home/Mortgages

Every product.
One advisor.

From a first-time purchase to a complex refinance, we structure the financing across more than thirty lenders to match the borrower in front of us — not the bank behind the desk.

Mortgage products

The four foundations.

Understanding which structure you actually want is half the work. Here is a plain-English read on the four most common.

Your interest rate and payment are locked for the full term — typically one to ten years. The trade-off for that certainty is a slightly higher starting rate than variable, and prepayment penalties that can be significant if you exit early. Best for borrowers who value predictability, are buying at the top of their budget, or expect rates to rise during the term.
The rate moves with the lender's prime, usually quoted as "prime minus" a discount. Payments may stay constant (with the split between interest and principal shifting) or adjust each time prime changes, depending on the lender. Historically variable has outperformed fixed over full terms — but it requires both budget room and emotional tolerance for rate movement.
Fully prepayable at any time without penalty. The trade-off is a meaningfully higher rate, so open mortgages are typically used as bridges — for example, while a property is listed for sale, during a short ownership window, or when an inheritance or business event is expected to retire the loan within months.
A revolving facility secured against your home equity, drawn and repaid like a credit card but at preferred rates. Ideal for renovations, investments, education funding, or as a strategic reserve. Often paired with a mortgage inside a single "collateral charge" so equity becomes available as the mortgage pays down.
Renewal day is your single best opportunity to renegotiate — and the day most lenders count on you not to. We treat every renewal as a fresh shop of the market, and run the math on refinancing to consolidate debt, free equity, or restructure into a better product.
We walk first-time buyers through the BC Home Buyers' Plan, the First Home Savings Account, PTT exemptions, and the federal incentives that apply at your purchase price. The application is built end-to-end so nothing is left on the table.
Who we work with

Buyers, owners, investors.

01

First-time buyers

From pre-approval through possession day. We map every credit and incentive available to a first purchase in BC.

02

Move-up & move-down owners

Bridge financing, port-and-increase strategies and exits from existing fixed terms when the math justifies them.

03

Investors

Rental property financing, portfolio refinances and capital release for the next deal — including B-lender and private options where it fits.

Not sure which product is right?

Send the file. We will return a written summary of two or three structures that fit, with real numbers — usually within one business day.

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