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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.

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1

Strategy Call

Discuss your mortgage and investment goals

2

Custom Solution

We shop 50+ lenders for the best fit

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Fast Approval

Pre-approved in as little as 24-48 hours

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.

Vancouver
Market Focus
50+
Lender Partners
3 Countries
Canada, USA & Mexico
15+
Years Experience

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.

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.

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.

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.

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.

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.

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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.

Explore Home Purchase Options

What's Included

  • 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

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.

See Investment Financing Options

What's Included

  • 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

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.

Explore Refinance Options

What's Included

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

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.

See Self-Employed Solutions

What's Included

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

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.

See How DSCR Loans Work

What's Included

  • 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

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.
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FAQ

Questions About Mortgage Solutions for Vancouver and Metro Vancouver

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

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.
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.

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.

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.

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