Local Mortgage Broker
Mortgage broker in Vancouver, British Columbia
Helping Vancouver 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 Vancouver in 2026
Vancouver is the largest market in BC and one of the most rate- and policy-sensitive housing markets in Canada. Benchmark detached pricing stays well above $2M across most of the city, while attached and condo product in Mount Pleasant, Kitsilano, Yaletown, and the Downtown peninsula offers more accessible entry points. Demand swings with five-year fixed pricing more than any other market we work in.
Most Vancouver files we handle are first-time condo buyers, refinances for renovation or rental-property capital, and complex income situations — self-employed, commission, foreign income, or new-to-Canada PRs and work-permit holders. The BC Property Transfer Tax first-time buyer exemption (full relief up to $835,000, partial to $860,000) is core to almost every Vancouver FTHB file we close.
Rahul is fully licensed in BC (Broker #MB612306, BCFSA) and works Vancouver files remotely — secure document upload, e-signed commitments, evenings and weekends available. You do not need to be in our office to get a great rate.
Services we offer in Vancouver
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
Vancouver neighbourhoods we serve
- Mount Pleasant
- Kitsilano
- Yaletown
- Downtown / West End
- East Vancouver
- Kerrisdale
- Dunbar
- Marpole
- Full remote service for Vancouver — no office visit required, everything signed online.
- We layer the BC PTT first-time buyer exemption with the federal FHSA and RRSP HBP on most FTHB files.
- Lender bench includes A-lenders, credit unions, and alt-A specialists for self-employed and foreign-income clients.
- Evenings and weekends available — Pacific time hours fully covered.
What Vancouver clients say
“We were stretching our budget for a Mount Pleasant condo and our bank wouldn't even talk to us seriously. Rahul ran the BC PTT exemption + FHSA math, found a lender that liked our file, and we closed on time.”
“My income is half T4, half commission, and three banks declined me. Rahul placed it with a lender who actually understood commission income — same rate as the bank quoted, just with someone who'd actually approve it.”
Why Vancouver homeowners choose Rahul
- Licensed in BC (Broker #MB612306, BCFSA) — fully credentialed to broker your Vancouver mortgage.
- Same-day pre-approvals with a 90-120 day rate hold so you can offer with confidence.
- Free, lender-paid service across 50+ lenders, including alt-A specialists for self-employed and newcomer files.
- Service in Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English.
FAQ
Are you actually licensed to broker mortgages in BC?
Yes. Rahul holds BC Broker license #MB612306 with the BC Financial Services Authority (BCFSA). We're also licensed in NS, NB, and AB. Vancouver files are handled remotely with full BC regulatory compliance.
How does the BC Property Transfer Tax first-time buyer exemption work?
If you're a first-time buyer and the purchase price is up to $835,000, you get a full PTT exemption. Between $835,000 and $860,000 you get partial relief. We confirm eligibility and run the savings into your closing-cost estimate before you write an offer. See our mortgage payment calculator to model the full payment.
Can you handle Vancouver self-employed or foreign-income files?
Yes — that's a big chunk of our Vancouver book. We work with A-lenders, credit unions, and alt-A lenders who properly underwrite self-employed, commission, contract, and foreign-income borrowers. Bring your documents and we'll tell you which lender bucket fits.
How much sooner could extra payments pay off my Vancouver mortgage?
On a $2M Vancouver mortgage even a modest 5-10% payment increase can knock years off the amortization and save tens of thousands in interest. Run the numbers yourself with our prepayment savings calculator.