Free Mortgage Guides for BC Buyers
Plain-English guides written by a licensed BC mortgage broker — covering the programs, pitfalls, and decisions that matter most to buyers in British Columbia.
First-Time Buyers
The BC First-Time Buyer's Playbook
A step-by-step walkthrough of the entire home-buying journey in BC — from pre-approval through closing day, with every program, form, and checklist you need.
What's Inside
- Pre-approval & the mortgage stress test
- Down payment rules (5% → 20%+)
- BC Property Transfer Tax exemption
- FHSA & RRSP Home Buyers' Plan
- CMHC insurance premiums explained
- Closing costs checklist
- Documents to gather
- Common mistakes to avoid
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Business Owners & Self-Employed
The Self-Employed Mortgage Guide for BC
How lenders actually read business income — and how to present your real earning power so you qualify for the mortgage you deserve, regardless of what your NOA shows.
What's Inside
- How lenders calculate self-employed income
- 2-year average & the add-back method
- Sole proprietor vs. incorporated
- A-lender vs. Alt-A vs. private
- Stated income programs explained
- Complete documents checklist
- 12-month mortgage prep plan
- Common self-employed mistakes
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These guides are provided for educational purposes only and do not constitute financial, legal, or mortgage advice. Mortgage rates, program eligibility rules, and government program limits change frequently — always verify current details with a licensed mortgage broker before making financial decisions. Echelon7 Mortgages Ltd. is a licensed mortgage brokerage in British Columbia.
Questions? Talk to a Broker.
Guides give you the foundation — but every buyer's situation is different. A free consultation gives you answers specific to your income, timeline, and goals.