Local Mortgage Broker
Mortgage broker in Richmond, British Columbia
Helping Richmond buyers, refinancers, and renewers across British Columbia. Free service. Same-day pre-approvals. Speaks English, Hindi, Punjabi.
★★★★★ 250+ five-star reviews · NS Broker #2025-3000996 · NB License #260008857 · AB RECA #LIC-00668583 · BC Broker #MB612306 · 50+ lenders · Free service
Licensed in British Columbia — BC Broker #MB612306 (BCFSA). Also licensed in NS, NB & AB.
What to expect buying in Richmond in 2026
Richmond sits between Vancouver and the US border with a population near 220,000, immediately adjacent to YVR airport and the southern terminus of the Canada Line. The market is one of the most internationally connected in Canada — foreign-currency income, returning Canadians, and complex multi-generational buys are routine.
Detached homes in Steveston, Broadmoor, and Seafair commonly run $2M+, with newer condo and townhome product around Brighouse and the Canada Line corridor offering entry points from $650K. We routinely handle newcomer and returning-Canadian buyers, condo purchases along the Canada Line, and refinances on older detached homes.
Rahul is fully BC-licensed (Broker #MB612306, BCFSA). Richmond files run remotely from pre-approval to funding — Pacific evenings and Saturdays available, no office visit required.
Services we offer in Richmond
First-time home buyers
Down payments, the FHSA, HBP, and getting your offer accepted.
Learn moreSelf-employed mortgages
T1 doesn't tell the whole story. We find lenders who get it.
Learn moreNew to Canada mortgages
PR, work permit, foreign income. Service in English, Hindi, Punjabi.
Learn moreBad credit & complex files
B-lenders, private lenders, and credit rebuild paths.
Learn moreRefinance
Pull equity, consolidate debt, fund a renovation.
Learn moreRenewal
Don't auto-renew. We shop your renewal 4 months out.
Learn moreLocal context that matters
Richmond neighbourhoods we serve
- Steveston
- Broadmoor
- Seafair
- Brighouse
- Aberdeen
- Lansdowne
- Terra Nova
- Hamilton
- Full remote service across Richmond — Pacific evenings and Saturdays available.
- We have lenders who treat foreign-income and non-T1 documentation properly — not a checklist underwriter.
- Returning-Canadian and PR-applicant files are routine in our Richmond book.
- Service in Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English.
What Richmond clients say
“We were returning to Canada after 8 years overseas and the banks treated us like first-time buyers with no credit. Rahul knew the returning-resident lender playbook and got us approved on our Seafair purchase.”
“My income is in HKD and the bank simply didn't know what to do. Rahul placed it cleanly with a lender that underwrites foreign-currency income properly. Same rate as the big banks quoted.”
Why Richmond homeowners choose Rahul
- Licensed in BC (Broker #MB612306, BCFSA) — fully credentialed for Richmond mortgages.
- Foreign-income, returning-Canadian, and complex documentation files are routine.
- Free, lender-paid service across 50+ lenders, including newcomer specialists.
- Multilingual service for Richmond's international buyer pool.
FAQ
Can you handle foreign-currency income on a Richmond purchase?
Yes — we work with lenders who properly underwrite foreign-currency salary, dividend, and self-employed income. Documentation matters: bring 2 years of tax returns or equivalent, plus bank statements, and we'll match you to a lender that fits.
I'm a returning Canadian with no recent Canadian credit. Can I still get a Richmond mortgage?
Yes. Returning-Canadian files are routine — we have lenders who accept international credit references (especially from US, UK, HK, Singapore, Australia, India) and don't require 2 years of Canadian credit history. Bring your overseas credit report and we'll work backwards from there.
Does the BC PTT first-time buyer exemption apply for new PRs in Richmond?
Yes, as long as you're a permanent resident or Canadian citizen, you haven't owned a principal residence anywhere previously, and you meet the residency requirement. The full exemption applies up to $835,000, with partial relief to $860,000.
What's a fair monthly payment estimate for a $1.5M Richmond purchase?
Depends on down payment, rate, and amortization. Run your specific scenario in our mortgage payment calculator and then check our prepayment savings calculator to see how extra payments shorten the payoff.