Mortgage broker for Vancouver.
Vancouver is the most competitive mortgage market in Canada — and the one where bank-branch underwriting fails most often. From Yaletown investor condos to West Side $5M detached, we close the files banks turn down.
Vancouver's market is really 20 micro-markets stacked together. West Side detached underwriting is a different planet from East Side multiplex underwriting; downtown investor condo financing has nothing in common with Marpole owner-occupied. Foreign-income files, BFS (business-for-self) files, and high-net-worth files all need brokers who know which lenders will actually fund them, not which ones say they will.
Files we close in Vancouver
- →$3M–$10M West Side detached purchases with non-standard income
- →Yaletown and Coal Harbour investor condos and rental refinances
- →Multi-family and multiplex acquisitions on the East Side
- →Foreign-income and newcomer files (heavy demand in our market)
- →Self-employed BFS files banks decline on stated income
Vancouver mortgage services
We offer the full Mortgage Guru lineup in Vancouver — every pillar, every program, every niche lender.
- Commercial mortgage
Multi-family, mixed-use, industrial, owner-occupied & private commercial.
- Residential mortgage
Purchases, refinances, renewals — purchase, port, refi, and rental.
- Private mortgage
Short-term bridge, equity take-out, and credit-rehab capital.
- Construction loan
Draw mortgages for custom builds, infill, and small multi-family.
Every program we place in Vancouver
Neighbourhoods we serve in Vancouver
We specialize in the Vancouver files banks don't want — high-value, non-standard income, foreign buyers, and complex commercial. If a Vancouver bank branch said no, that's usually where we start.
Vancouver mortgage FAQ
Do you finance non-resident and newcomer buyers in Vancouver?+
Yes, where the federal foreign-buyer ban allows (work permit holders, students under specific rules, refugees). We have credit-union and private-bank programs that lend on global income, foreign credit history, and limited Canadian credit footprint.
Can you mortgage Vancouver leasehold on UBC, Champlain Heights, or False Creek South?+
Yes. UBC prepaid leasehold, Champlain Heights co-ops, and False Creek South leasehold are routinely declined by banks. We use lenders specifically comfortable with these lease structures, with amortization tied to remaining lease term.
What about a Vancouver Special or older East Van home with a basement suite?+
Standard for us. Vancouver Specials almost always have a suite (often unauthorized). We use lenders that count 80–100% of suite income with a market-rent appraisal, which can swing the file from declined to approved.
Do you arrange financing for Yaletown, Coal Harbour, or Westside high-rise condos?+
Yes — including in buildings with airbnb restrictions, larger suite sizes (above 1,200 sq ft), or short rental history that trips up bank underwriting. We pre-clear the building with the lender before submitting.
Request a complimentary strategy call.
Tell us a bit about your file — Ramin or a senior broker will reach out within one business day. No obligation.