Skip to content
service

Mortgage Broker in Vancouver, British Columbia

Vancouver's real estate market is one of the most expensive in North America — and one of the most rewarding for investors who structure their financing correctly. LendCity™ shops 50+ lenders to find the rate and mortgage structure that works for your goals.

Free · No obligation · No credit check to talk

BC Market Experts

Vancouver Real Estate Requires Expert Mortgage Strategy

Vancouver's high property values, foreign buyer regulations, and competitive rental market demand a mortgage broker who understands the nuances. We work with 50+ lenders to structure financing that maximizes your purchasing power — whether you're buying in Kitsilano or investing in a multi-unit building in Burnaby.

  • № 01

    Deep Metro Vancouver Knowledge

    From presale condos in downtown Vancouver to detached homes in Surrey, Langley, and the Tri-Cities — we understand the micro-markets across Metro Vancouver and how lenders evaluate each one.

  • № 02

    50+ Lender Network

    We don't work for one bank. We shop your mortgage across Canada's top banks, credit unions, monoline lenders, and alternative financiers to find you the lowest rate and best terms available.

  • № 03

    Investment Property Specialists

    Vancouver's rental vacancy rate is among the lowest in Canada, creating strong demand for purpose-built rentals. We structure financing for condos, duplexes, and multi-unit buildings across Metro Vancouver.

  • № 04

    Competitive Rates

    In Vancouver's high-price market, the difference between a good rate and a great rate can mean thousands per year. We leverage our lender network to fight for every basis point on your behalf.

  • № 05

    First-Time Buyers in a Premium Market

    Vancouver's entry prices are Canada's highest, but programs exist to help. We guide you through CMHC insurance, the BC Home Owner Mortgage and Equity Partnership, and the property transfer tax exemption.

  • № 06

    Self-Employed & Alternative Lending

    Vancouver has a thriving entrepreneurial ecosystem — tech, film, real estate development. If the banks can't qualify you on tax returns alone, we work with lenders who look at your full financial picture.

Ready to speak with a Vancouver mortgage broker?
Our Services

Mortgage Solutions for Vancouver and Metro Vancouver

From buying your first condo in Yaletown to financing a purpose-built rental building in Burnaby, we provide every type of mortgage financing Vancouver residents and investors need.

Home Purchase

Vancouver is one of the most competitive housing markets in the world. Whether you're buying a condo in Mount Pleasant or a detached home in North Vancouver, we find you the best rate across 50+ lenders and help you navigate BC-specific programs and taxes.

  • As little as 5% down with CMHC insurance
  • BC property transfer tax exemption guidance
  • Pre-approval in 24-48 hours
  • Local knowledge of Metro Vancouver neighbourhoods
  • Fixed and variable rate options
Explore Home Purchase Options

Investment Property

Vancouver has some of the lowest vacancy rates in North America, making it a strong rental market despite high entry prices. We structure financing for condos, duplexes, and multi-unit buildings across Metro Vancouver — including strategies that account for the speculation tax and foreign buyer rules.

  • Rental income used for qualification (50-80%)
  • DSCR loan options for investors
  • Single-family to large multi-unit
  • Portfolio mortgage solutions
  • Cash flow analysis included
See Investment Financing Options

Refinance

Vancouver property values have created significant equity for many homeowners and investors. Refinancing can lower your rate, unlock capital for your next investment, or consolidate high-interest debt. We analyze the numbers to ensure refinancing makes financial sense.

  • Rate and term refinancing
  • Cash-out up to 80% LTV
  • Debt consolidation
  • Blend and extend options
  • Penalty buyout analysis
Explore Refinance Options

Self-Employed

Vancouver's economy is driven by tech, film, tourism, and small business. Many high-earning professionals can't qualify through traditional income verification. We work with lenders who accept bank statements, stated income, and business financials to get you approved.

  • Stated income programs
  • Bank statement verification
  • Business financial analysis
  • Gross-up programs for declared income
  • Alternative documentation accepted
See Self-Employed Solutions

DSCR Loans

Qualify based on the property's rental income — not your personal income. DSCR loans let Vancouver investors scale their portfolios without running into traditional debt service ratio limits, which is essential in a high-price market.

  • Qualify on rental income, not personal income
  • Available for residential and commercial properties
  • No income documentation required
  • Multi-unit and commercial properties
  • Scale your portfolio without income caps
See How DSCR Loans Work
Ready to Take the Next Step?
Overview Deep dive

Vancouver Mortgage Market Insights

Vancouver's real estate market demands precision. Between the foreign buyer tax, the speculation and vacancy tax, and some of the highest property values in the country, getting the right mortgage structure is critical for both homeowners and investors.

Whether you're researching how to invest in Vancouver real estate, exploring multifamily investment opportunities in BC, or looking for commercial mortgage options in Vancouver, our team brings the lender relationships and local expertise to structure deals that work in this market.

“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super…”

C Rodriguez

Read the full review

“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”

River Schauber

Read the full review

“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was…”

Simon Euteneier

Read the full review

“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”

Camille Jordaan

Read the full review

“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10…”

Nick Finn

Read the full review

“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”

Kelly RCO

Read the full review

“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”

val almeida

Read the full review

“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”

Brandon

Read the full review
FAQ Q & A

Questions About Mortgage Solutions for Vancouver and Metro Vancouver

Everything you need to know about mortgage solutions for vancouver and metro vancouver.

Vancouver Real Estate Investing

Vancouver's fundamentals are strong — limited land supply, massive immigration-driven population growth, and some of the lowest vacancy rates in North America. The key is structuring your financing to support cash flow. DSCR loans, CMHC-insured multi-unit financing, and strategic use of secondary suites all help make the numbers work.
Surrey, Langley, and the Tri-Cities (Coquitlam, Port Coquitlam, Port Moody) offer more affordable entry points with strong tenant demand. Burnaby and New Westminster are popular for purpose-built rentals. The best area depends on your budget and strategy — we help you model the financing for any location.
Yes. We finance duplexes, triplexes, fourplexes, and larger apartment buildings across Metro Vancouver. For buildings with 5+ units, we offer CMHC MLI Select insured mortgages that can reduce your rate and increase amortization to 50 years.
BC's rent control limits annual increases, which affects your projected cash flow. Lenders factor this in when underwriting. We help you model realistic income projections that account for provincial rental regulations, so your financing is structured conservatively.

Vancouver Mortgage Basics

Your bank only offers their own products. As mortgage brokers, we shop your application across 50+ lenders — banks, credit unions, and alternative financiers — to find the lowest rate and best terms. In Vancouver's premium market, even a small rate reduction translates to massive savings over your mortgage term.
For primary residences under $500,000, as little as 5% down. For homes between $500,000 and $1,499,999, 5% on the first $500,000 and 10% on the remainder. For homes at $1.5 million and above, 20% down is required. The insured mortgage cap was raised to $1.5M in December 2024. Investment properties always require 20%. Given Vancouver's price points, most buyers need at least 20% for detached homes.
BC has the Property Transfer Tax (1% on first $200K, 2% on $200K-$2M, 3% above $2M), the foreign buyer tax (20% in Metro Vancouver), and the Speculation and Vacancy Tax. First-time buyers may be exempt from the Property Transfer Tax on homes up to $835,000. We factor all of these into your pre-approval.

Vancouver Mortgage Basics (Continued)

Mortgage rates in Vancouver follow national trends but can vary based on lender appetite for BC properties. Because we work with over 50 lenders, we often secure rates below advertised levels. Contact us for a real-time quote based on your situation.
The BC foreign buyer tax adds 20% to the purchase price for non-residents in Metro Vancouver. This significantly impacts financing. If you're a non-resident or new permanent resident, we work with lenders who understand cross-border situations and can structure your mortgage accordingly.

Process & Local Expertise

First-time buyers are a major part of our business. We guide you through the stress test, CMHC insurance, BC's Property Transfer Tax exemption for first-time buyers, and federal programs like the First Home Savings Account to maximize your purchasing power.
For most files, we can get a pre-approval in 24 to 48 hours. In Vancouver's competitive market with subjects being waived, a strong pre-approval is your most valuable tool.
Yes. Presale condos are a major part of the Vancouver market. We help buyers secure financing well ahead of completion, manage assignment sales, and deal with the unique challenges of presale closings including potential appraisal gaps.

Ready to Take the Next Step?

Our team of experts is here to help you find the best financing solutions for your goals.

We use privacy-friendly analytics (no ad tracking). Calculator settings are saved on your device. See our Privacy Policy .