Home Purchase Mortgages in British Columbia
We shop 30+ lenders to find the mortgage that fits your life, your budget, and your timeline across BC.
Finding the Right Mortgage for Your Purchase
Buying a home is one of the biggest financial decisions you will make. Having the right broker in your corner makes all the difference.
Whether this is your second home or your fifth, every purchase is different. Your income, equity position, property type, and timeline all affect which lenders and products make sense.
As independent brokers, we are not limited to one bank's offerings. We compare rates and terms across our entire lender network to find the mortgage that gives you the best combination of rate, flexibility, and cost.
Getting pre-approved before you shop gives you a clear budget, strengthens your offers, and locks in your rate for up to 120 days.
How It Works
Your Path to Homeownership
Pre-Approval
We assess your financial situation and get you pre-approved so you know exactly what you can afford before you start shopping.
Rate Shopping
Once you find a property, we shop our lender network to lock in the best rate and terms for your specific situation.
Closing Support
We coordinate with your lawyer, realtor, and lender to make sure everything comes together smoothly on closing day.
Features & Benefits
Why Work with a Broker
Rate Comparison
We compare rates across 30+ lenders so you can be confident you are getting the best deal available.
Down Payment Guidance
We help you understand your down payment options, including gifted funds and RRSP strategies.
Pre-Approval Confidence
A pre-approval letter shows sellers you are serious and gives you a clear budget to work with.
Property Flexibility
From condos to acreages, we have lender options for all property types across British Columbia.
Realtor Coordination
We work closely with your real estate team to meet subject removal deadlines and closing dates.
Rate Holds
We can hold your rate for up to 120 days while you shop, protecting you from rate increases.
Ready to Start Your Home Purchase?
Get pre-approved and know exactly what you can afford — no obligation, fast turnaround.
Get Pre-ApprovedCommon Questions
Purchase FAQ
Your affordability depends on your income, debts, down payment, and the current interest rate used for the stress test. As a general guideline, your total housing costs should not exceed about 39% of your gross income. We can give you a precise number with a quick pre-approval conversation.
Pre-approval means a lender has reviewed your financial information and confirmed how much they are willing to lend you. It gives you a clear budget, shows sellers you are a serious buyer, and locks in your rate for up to 120 days, protecting you from rate increases while you shop.
Fixed rates offer payment certainty for the entire term, while variable rates can be lower initially but fluctuate with the market. The best choice depends on your risk tolerance, how long you plan to stay, and where rates are trending. We can walk you through the trade-offs for your specific situation.
The minimum down payment in Canada is 5% of the purchase price for homes up to $500,000, and 10% on the portion between $500,000 and $1.5 million. Homes over $1.5 million require 20% down. A larger down payment reduces your mortgage insurance costs and monthly payments.
Ready to Get Pre-Approved?
Start with a quick conversation about your goals. No obligation, no credit check to start.