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Victoria, Saanich and Vancouver Island Mortgages

Get the mortgage you deserve today

Mortgage Lending in Victoria, Saanich and across Vancouver Island made easy.

Getting a mortgage for first time home owners, renewing or refinancing your mortgage or consolidating your debt has never been easier for people in the Victoria and Saanich Peninsula.

Refinancing

Renewals

First Time Buyers

Calculators

Debt Consolidation

Bad Credit

DND Mortgages

Self-Employed

We’re not your typical Victoria, BC mortgage company

we offer customized mortgage products and services, in terms you can understand. We are helping to change mortgages for the better, so you can worry less and live life to the fullest.

Knowledgeable, Fast and Friendly Service

Fast pre-approvals

Speed matters. Which is why we help verify your pre-approval quickly.

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Total Transparency

“What you see is what you get.” No hidden fees, no hidden meanings.

About me

All of us together now

we offer products and services designed to put my clients first. Always.

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What do you need help with?

A Mortgage Pre-Approval

Find out how much you can afford for your home purchase.

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Reducing My Debt

Consolidate Your Debt and Save. Use your home equity to reduce your credit card debt.

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Renewing My Mortgage

If your mortgage renewal is fast approaching, then now is a great time to look at the many excellent options and competitive rates available.

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Improving My Credit

Having a bad credit rating doesn't mean you can't get mortgage financing

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Refinancing My Mortgage

Use the money in your home to pay off high interest debts and be mortgage-free quicker

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What Can I Afford?

What is a mortgage going to cost you each month? Try one of our easy to use mortgage calculators to get a quick idea

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Questions?
we are here to help

we love answering your questions. Call, email or chat – ask me anything.

I work to help people in Victoria, in the Saanich Peninsula and across Vancouver Island and BC with all their mortgage refinancing and mortgage renewal needs.

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Bobby Smart

Victoria BC Mortgages

Don't wait.
Start saving!

Once we have determined your mortgage needs, we will find you the best local Victoria and Saanich Peninsula mortgage options at the best rate possible.

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Rated 5 Stars Rated 5 Stars Rated 5 Stars Rated 5 Stars Rated 5 Stars

Rated 5 Stars by Our Victoria and Vancouver Island Mortgage Clients!

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  • We couldn't be more happier and more pleased with our experience with Bobby Smart and Smart Choice Mortgage. We reached out to Bobby when our mortgage was up for renewal. We have never used a broke...
    Kielan Hrasky
  • Had such a great experience working with Bobby. He was super efficient and was always ready to answer all our questions. He guided us through the whole 'first time home buyers' process and everythi...
    Charlene Ho
  • Bobby is patient, helpful, professional, and always quick to respond. He was able to get us a mortgage rate that shocked even our account manager at the bank. He is amazing at his job, and I will a...
    Mat Sedg
  • Bobby is incredibly professional, efficient and effective. We have worked with him twice, and both experiences were almost “too easy” on our end. He is organized and thorough, making the entire...
    Hilary Gibson
  • Being first-time home buyers there was a lot we didn’t know, but Bobby made it easy. He was patient, informative, and went out of his way to help us buy our dream home all the way in Squamish. Hi...
    Julia Litster
Schedule a Free, No-Hassle Call Today

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Zero-hassles and zero-obligation.
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Google Rating
5

Mortgage Application

Apply Today to see how much you might save

Great rates and service
Take the first step today.

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SecurityPrivacy & Security Guaranteed

By submitting this application, I/we warrant and confirm that the information given in the mortgage application form is true and correct and I/we understand that it is being used to determine my/our credit responsibility. You are authorized to obtain any information you may require for these purposes from other sources (including, for example, credit bureau) and each such source is hereby authorized to provide you with such information.

I/we also understand that the information given in the mortgage application form as well as other information you obtain in relation to my credit history may be disclosed to potential mortgage lenders, financial intermediary and mortgage insurers, organizations providing technological or other support services required in relation to this application and any other parties with whom I/we propose to have a financial relationship.

By transmitting the online mortgage application you are accepting the terms of the paragraph noted above.

**Rates are subject to purchaser/mortgagor/property qualification and change without notice.

Excellent! What type of mortgage are you looking for?

Mortgage Amount Required?

$500,000

When are the funds required?

Your current living status

Number of Applicants

What is your Full Name?

Please enter your first name.
Please enter your last name.

What is your email address?

Please enter your email address.

What is your phone number?

Please enter your phone number.

By clicking submit you agree to ...

Thanks! Your Form has been submitted.

Success!

We will be in touch with you as soon as we can

Schedule a Call

Mortgage rates change daily and vary depending on your unique situation. Let me help you find what works best for you.

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SecurityPrivacy & Security Guaranteed

By submitting this application, I/we warrant and confirm that the information given in the mortgage application form is true and correct and I/we understand that it is being used to determine my/our credit responsibility. You are authorized to obtain any information you may require for these purposes from other sources (including, for example, credit bureau) and each such source is hereby authorized to provide you with such information.

I/we also understand that the information given in the mortgage application form as well as other information you obtain in relation to my credit history may be disclosed to potential mortgage lenders, financial intermediary and mortgage insurers, organizations providing technological or other support services required in relation to this application and any other parties with whom I/we propose to have a financial relationship.

By transmitting the online mortgage application you are accepting the terms of the paragraph noted above.

**Rates are subject to purchaser/mortgagor/property qualification and change without notice.

What type of loan do you need?

Excellent! What type of property do you have?

Can you estimate your credit score.

Is this your first property purchase?

What is your current property situation?

How will this property be used?

Estimated purchase price of the property?

$500,000

Preferred rate type?

What is your approximate gross annual household income?

$50,000

What is your current employment status?

Have you had a bankruptcy or foreclosure in last 3 years?

Can you show proof of your income?

What is your Full Name?

Please enter your first name.
Please enter your last name.

What is your email address?

Please enter your email address.

What is your phone number?

Please enter your phone number.

What is your address?

Please enter your address.

What is your city?

Please enter your city.

Province

Please select a province.

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Thanks! Your Form has been submitted.

Success!

We will be in touch with you as soon as we can

Mortgage Pre-Approval

Get Your FREE Pre-Approval Today

Do you know how much home you can afford?
Take the first step by getting pre-approved here for FREE!

Get Started
SecurityPrivacy & Security Guaranteed

By submitting this application, I/we warrant and confirm that the information given in the mortgage application form is true and correct and I/we understand that it is being used to determine my/our credit responsibility. You are authorized to obtain any information you may require for these purposes from other sources (including, for example, credit bureau) and each such source is hereby authorized to provide you with such information.

I/we also understand that the information given in the mortgage application form as well as other information you obtain in relation to my credit history may be disclosed to potential mortgage lenders, financial intermediary and mortgage insurers, organizations providing technological or other support services required in relation to this application and any other parties with whom I/we propose to have a financial relationship.

By transmitting the online mortgage application you are accepting the terms of the paragraph noted above.

**Rates are subject to purchaser/mortgagor/property qualification and change without notice.

Mortgage Amount Required?

$500,000

Excellent! When are the funds required?

Your current living status

What is your Full Name?

Please enter your first name.
Please enter your last name.

What is your email address?

Please enter your email address.

What is your phone number?

Please enter your phone number.

By clicking submit you agree to ...

Thanks! Your Form has been submitted.

Success!

We will be in touch with you as soon as we can