Mortgage guides
In-depth reference guides written by brokers who arrange these mortgages every day. No expiry dates, no fluff — just the financing details that matter.
Regional guides
Financing by region
How financing works in specific BC markets — local lender relationships, property types, and the nuances that affect your mortgage.
Surrey mortgages
Financing a Surrey home across self-employed income, secondary suites, pre-sale assignments, renewals, and alternative lending — plus how the five sub-markets differ.
Read guideSunshine Coast mortgages
How financing works from Gibsons to Powell River — the Sunshine Coast complications that affect your mortgage.
Read guideSituation guides
Financing by situation
Specific financing scenarios that come up across BC — what lenders require, what to watch for, and how to structure your application.
Septic and well water financing
What BC lenders require when a property runs on private septic and well water — testing, title insurance, and the sequencing that matters.
Read guideShort-term rental rules in BC
How BC's 2024 short-term rental legislation affects vacation property financing — and what varies by municipality.
Read guideModular home financing
The three-factor test that determines whether a factory-built home qualifies for conventional mortgage financing in BC.
Read guideUnpermitted work and your mortgage
How appraisers, lenders, and insurers handle unpermitted additions — and why the insurance gap is the biggest risk.
Read guideFundamentals
Understanding your mortgage
How mortgages actually work — the mechanics behind rates, penalties, and where the money comes from.
Understanding mortgage penalties
How IRD and three-months-interest penalties are calculated in BC, and when breaking your mortgage makes financial sense.
Read guideWhere mortgage money comes from
Your bank doesn't lend you someone else's savings. How mortgage money is actually created, securitized, and priced.
Read guideProperty disclosure statements
What the BC Property Disclosure Statement actually protects — and where the gaps are that buyers need to fill themselves.
Read guideReady to explore your options?
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