Business Details
17 Years
experience
Your Trusted Mortgage Partner in British Columbia
Highland Mortgage was established in 2009 as a mortgage investment corporation registered with the BC Financial Services Authority. Our team brings decades of combined experience in banking, mortgage brokerage, and credit analysis, with leadership members holding senior roles at institutions like HSBC, Coast Capital Savings, and Meridian Group. We specialize in first and second mortgages across British Columbia, offering flexible loan-to-value ratios up to 75% and tailored solutions for borrowers with unique credit circumstances. Our rigorous underwriting process includes mandatory appraisals from approved professionals and tax compliance verification to ensure responsible lending. As a RRSP and TFSA-eligible investment vehicle, we provide investors opportunities to participate in diversified mortgage portfolios while maintaining strict regulatory compliance.Our directors' extensive industry backgrounds in financial services, legal risk management, and commercial litigation support our commitment to prudent credit evaluation. We serve diverse regions including Lower Mainland, Victoria, and Kelowna, with case-by-case consideration for additional urban areas. Our operational framework combines institutional expertise with personalized service, maintaining membership in the BC MIC Managers Association to uphold industry best practices. Through strategic partnerships with approved appraisal firms and continuous monitoring of property tax status, we ensure transparent and reliable mortgage solutions for British Columbia residents.
Services
First Mortgages
Second Mortgages
Credit-Friendly Mortgages
Commercial Unit Financing
Residential Lot Mortgages
Investor Mortgage Portfolios
Appraisal Coordination
Tax Compliance Verification
Details
- Year established: 2009
Highlights and features
- Our leadership team has over 100 combined years in mortgage financing and banking
- We offer flexible credit considerations with mandatory responsible lending practices
- RRSP and TFSA eligible investment options available
- Mandatory appraisals from pre-approved professional firms ensure accurate valuations
- Case-by-case regional coverage across British Columbia's major urban centers
Associations and certifications
- BC Financial Services Authority
Services
First Mortgages
Highland provides first mortgage financing on freehold and stratified properties across British Columbia. Loan amounts range from $25,000 to $500,000 with maximum 75% loan-to-value ratios. Our process includes mandatory appraisals from approved professionals and CRA tax compliance verification to ensure secure lending for residential and commercial properties.
Second Mortgages
We offer second mortgage options for property owners seeking additional financing. These loans maintain the same $25,000 to $500,000 range and 75% LTV limit. Our underwriting considers existing debt obligations while maintaining strict appraisal standards through approved valuation firms to protect both borrower and lender interests.
Credit-Friendly Mortgages
Our lending program accommodates borrowers with explainable credit challenges. While weak credit histories are acceptable when properly documented, we require debt service confirmation to ensure repayment capacity. This approach balances accessibility with financial responsibility through structured verification processes and mandatory tax compliance checks.
Commercial Unit Financing
Highland finances small commercial units across British Columbia's major urban centers. These loans follow our standard $25,000 to $500,000 range and 75% LTV policy. We require additional documentation including current appraisals and property tax verification, with case-by-case evaluation for special commercial property types and locations.
Investor Mortgage Portfolios
As a registered mortgage investment corporation, we offer RRSP and TFSA-eligible investment opportunities. Investors purchase Class B non-voting shares at $1.00 per share, with strict ownership limits ensuring diversified portfolio management. Our investment framework follows BC Financial Services Authority regulations while providing competitive returns through responsible mortgage lending practices.
People
Randle John Barrington-Foote
President / Director
With 25 years at HSBC Canada and founding RBF Financial Group, Mr. Barrington-Foote brings extensive mortgage brokerage expertise. CMA educated, he chairs hospital fundraising committees and serves on Douglas College Foundation Board, combining financial leadership with community engagement.
David Thomas McKnight
Secretary / Director
Partner at Alexander Holburn LLP, Mr. McKnight specializes in commercial litigation and banking law. Recognized by Benchmark Canada and Best Lawyers in Canada, his legal expertise strengthens Highland's risk management framework through comprehensive contractual and regulatory oversight.
Herb Jamieson
Vice President Credit / Treasurer
Former Coast Capital Savings VP with 25+ years in retail banking and credit analysis. His extensive branch network experience informs Highland's credit evaluation processes, supported by United Way involvement and Kwantlen Polytechnic University Foundation leadership.
Ronald Joseph Evanski
Vice President Risk
15-year HSBC veteran and former BlueShore Financial director, Mr. Evanski oversees risk management with deep mortgage brokerage experience. His operational expertise from managing 60 brokers enhances Highland's risk assessment protocols and broker relationship management.
Chris Cornborough
Vice President Business Development
Co-founder of 4Front Mortgages, Mr. Cornborough brings 13+ years in mortgage financing from HSBC and RBC. Top 1% Canadian mortgage specialist background informs business development strategies, combining industry innovation with environmental stewardship through Nature Trust of BC sponsorship.
Questions
What loan amounts do you offer?
We provide mortgages ranging from $25,000 to $500,000 with maximum 75% loan-to-value ratios across British Columbia.
Do you work with borrowers having credit challenges?
Yes, we accept explainable credit issues when accompanied by debt service confirmation to ensure responsible lending practices.
How does the application process work?
Download our application form, complete required fields including property tax documentation, and email it back for prompt evaluation by our underwriting team.
What areas do you service?
We primarily serve Lower Mainland to Kelowna regions, with case-by-case consideration for other British Columbia urban centers.
Are your mortgages RRSP/TFSA eligible?
Yes, our mortgage investment corporation offers RRSP and TFSA-eligible investment options for qualified investors.
What appraisal firms do you accept?
We require appraisals from approved firms including Macintosh Appraisals, Cunningham Rivard, Westech Appraisal Services, Hooker Craig Lum Group, and Walton Appraisals.
