Alternative Mortgages in Kelowna

Not every strong borrower fits inside a traditional bank’s approval box.

At Rampone-Marsh Mortgages, we specialize in alternative mortgage solutions in Kelowna, Vernon, Penticton, and throughout the Okanagan Valley for clients who don’t qualify under strict A-lender guidelines — but still have strong income, solid equity, or long-term financial strength.

Important: Alternative lending does not automatically mean private lending.

We are professional, institutional alternative lenders (often called B-lenders) who work specifically to assist borrowers in niche situations such as:

• Self-employed income challenges
• Business bank statement income verification
• Holding company / corporate purchases
• Recently bruised credit
• High debt service ratios
• Commission or contract income
• Tax write-offs reducing declared income
• Debt consolidation needs
• Refinancing when banks decline

Our mortgage specialists help to assist you where major banks and credit unions cannot.

Instead of qualifying documents, we refer to:

• T1 Generals
• Notices of Assessment (NOAs)
• Net income after deductions

Alternative lenders may also review:

• 6–12 months of business bank statements
• Gross business deposits
• Cash flow trends
• Industry expense ratios

This allows Rampone-Marsh to work with lenders to evaluate your true earning capacity, not just your reported taxable income.

These programs are ideal for:

• Incorporated business owners
• Sole proprietors
• Contractors
• Commission-based earners
• Entrepreneurs with fluctuating income
• Professionals with strong revenue but significant write-offs

We structure your application properly — presenting income clearly and professionally so lenders understand your financial strength.

Buying through a corporation or holding company? Many major banks restrict offering mortgages for corporate purchases.

Alternative lenders often:

• Allow holding company purchases
• Accept layered corporate structures
• Offer flexible rental income treatment
• Provide higher leverage options

If you’re an investor or business owner in Kelowna or the Okanagan, we can align your financing strategy with your tax and long-term investment goals.