I'll Get Your
Mortgage Funded.

What I Offer

Navigate the Canadian Mortgage Market with Confidence

From first-time buyers to complex commercial files — private, self-employed, and specialty mortgage solutions tailored to every situation across Canada.

Client Stories

My Clients Are the Heartbeat of My Success

• How much down payment do I need in Vancouver?

  In Canada, the minimum down payment is 5% on the first $500,000 of the purchase price and 10% on the portion from $500,000 up to $1.5 million. Homes priced at $1.5 million or more require at least 20% down. The same federal rules apply in BC, and a lender may ask for more depending on the property and your situation.

• Can self-employed buyers get a mortgage in Vancouver?

  Absolutely. Self-employed borrowers can qualify through stated income programs or by providing T1 generals and NOAs. I specialize in self-employed mortgage solutions across Greater Vancouver and have access to lenders who understand non-traditional income structures.

• What is a private mortgage?

  A private mortgage is funded by private investors rather than a bank or credit union. It's ideal for borrowers who don't qualify for traditional financing — including those with credit challenges, non-traditional income, or unique property types.

• How long does mortgage approval take in BC?

  Pre-approvals can often be completed within 24 to 48 hours. Full approvals typically take 3 to 5 business days depending on the lender and documentation provided. I work quickly to keep your offer competitive in Vancouver's market.

• Does using a mortgage broker cost me anything?

  In most cases, no. Mortgage brokers are compensated by the lender, not the borrower. There are no direct fees to you for standard residential mortgages. If a fee applies (such as for certain private lending scenarios), I will always disclose this upfront.

• What areas in Metro Vancouver do you serve?

  I serve all of Greater Vancouver including Vancouver (all neighbourhoods), Burnaby, Richmond, Surrey, North Vancouver, West Vancouver, Coquitlam, New Westminster, and Langley. Remote clients across BC are also welcome.

• Can I get a 30-year amortization in Canada?

  Sometimes. On insured mortgages (less than 20% down), first-time buyers and buyers of newly built homes can choose up to 30 years, while other insured buyers are limited to 25 years. Many lenders also offer 30-year amortizations on uninsured mortgages with 20% or more down.

• What are typical private mortgage rates and fees in BC?

  Typical market ranges are about 6% to 8% on a first mortgage and 8% to 12% on a second, plus a lender fee of roughly 1% to 3% and sometimes a broker fee. Private mortgages usually run 6 to 24 months. See the private mortgage guide for a worked example.

• What is a commercial mortgage and how is it different?

  A commercial mortgage finances business or income property such as industrial, retail, office, mixed-use or multi-unit buildings. Lenders look at the property income and the borrower together, typically lend up to about 65% to 75% of value, and often want a debt service coverage ratio near 1.2. See the commercial mortgage guide.

• Should I use a mortgage broker or go straight to my bank?

  A bank can only offer its own products. A broker compares many lenders, including banks, credit unions and alternative lenders, and can place files that a single bank would decline. For most standard mortgages the lender pays the broker, so you pay no direct fee.

• What documents do I need for a mortgage application?

  Expect to provide photo ID, proof of income such as recent pay stubs, a T4 or Notice of Assessment, proof of your down payment and its source, and details of the property. Self-employed borrowers usually provide two years of T1 Generals and Notices of Assessment. See the self-employed mortgage guide.

• What is the mortgage stress test?

  Federally regulated lenders must confirm you could still afford your payments at a qualifying rate that is higher than your actual contract rate. It limits how much you can borrow, and the rules can change, so ask for your current maximum before you shop for a home.

• What is a second mortgage and when does it make sense?

  A second mortgage is a separate loan registered behind your first mortgage that lets you borrow against your home equity without changing the first mortgage. It usually costs more than a first mortgage, so it tends to suit shorter-term needs such as a renovation, debt consolidation or a bridge to a refinance.

• Should I switch lenders when my mortgage renews?

  It is worth comparing. At renewal you can usually move to a different lender without a prepayment penalty, and a broker can compare offers instead of you accepting the renewal letter your current lender sends. Start about four months before your renewal date.