Just like hiring an accountant to minimize your taxes, working with a mortgage broker in Vancouver means having a professional on your side to help you save money and secure the right mortgage solution. Based in British Columbia, we offer local expertise and long-term support to help you manage your mortgage and build your real estate portfolio with confidence.

Mortgage Broker vs. Bank Mortgage Advisor – What’s the Difference?

In BC, a bank mortgage advisor can only offer mortgage products from the bank they work for. That limits your options. On the other hand, an independent mortgage broker—licensed through the UBC Sauder School of Business and regulated by BC Financial Services Authority (BCFSA)—has access to dozens of lenders, including:

• Major banks
• Credit unions
• Trust companies
• Alternative and private lenders

This allows us to shop the market for you and find the best solution tailored to your financial situation and goals.

Top 5 Reasons to Use a Mortgage Broker in BC:

1. We work for you, not the bank. We’re independent and advocate for your best interests—not a specific lender’s.

2. More mortgage options. Access products from a wide range of lenders, including options not available to the public.

3. Save time and reduce stress. One application gives you access to multiple lenders. We do the rate shopping for you.

4. Ongoing local support. We’re based in BC and stay in touch—helping you review your mortgage before renewal or when your situation changes.

5. Better approval chances. We know which lenders are more flexible with income sources, credit issues, or property types—especially important in Vancouver’s competitive housing market.

Frequently Asked Questions:

1. Is your service free in BC?
Yes—most of the time, the lender pays us. If we need to work with a lender who doesn’t pay broker fees (such as certain private or B lenders), we’ll always disclose any cost upfront.

2. Are there hidden fees?
No hidden fees. We provide a clear breakdown of our compensation through BCFSA’s Form 10—required by law for transparency in British Columbia.

3. Why not just go to the bank?
Banks in BC can only offer their own products. You could be missing out on a lower rate, faster approval, or more flexible options you didn’t even know existed.

4. Will using a mortgage broker hurt my credit score?
No—we perform one credit check that can be used with multiple lenders. This protects your score from being affected by repeated inquiries.

5. How do mortgage brokers find the best rates in Vancouver?
We work daily with lenders and understand which are offering the most competitive rates in BC. Some even offer broker-only pricing that you can’t get by walking into a branch.

Start with a Vancouver Mortgage Broker First

If you’re buying property in Vancouver or anywhere in BC, talk to a local mortgage broker before going to the bank. We’ll help you find the best rate, save you time, and offer personalized guidance every step of the way. Have questions? Contact us for personalized advice.