Mortgage Broker in Vancouver
Vancouver's real estate market demands a broker who actually knows the difference between a Kitsilano heritage conversion and a Yaletown strata high-rise — and which lender is right for each. Our Vancouver office is at 4830 Nanaimo St.
Local Knowledge
Vancouver Neighbourhoods, Understood
The East Van/Nanaimo corridor is where you'll find our Vancouver office — a neighbourhood of heritage homes, laneway infills, and families who have owned for generations alongside buyers getting into the market for the first time. Mount Pleasant has evolved into one of the city's most competitive entry-level zones. Kitsilano attracts upsizing families and renovators. Kerrisdale and Shaughnessy see large-lot estate and semi-detached transactions that often require jumbo or non-conforming financing. Yaletown is dominated by strata condos with unique financing considerations.
Each of these markets has lenders who understand it — and lenders who don't. We know the difference.
What Makes Vancouver Deals Different
How We Help
Mortgage Solutions for Vancouver Buyers
From a first condo in Yaletown to a commercial-purchase in Mount Pleasant, we have the depth across 30+ lenders to match Vancouver's most complex deals.
First-Time Buyers
Navigate CMHC, the stress test, BC PTT exemption, and down payment programs with plain-English guidance from start to keys.
Self-Employed
Stated income and bank statement programs for Vancouver's large community of freelancers, consultants, and business owners.
Commercial Mortgage
Mixed-use, multi-family, and commercial-purchase transactions across Vancouver neighbourhoods.
Refinance
Tap your Vancouver equity for renovations, investment, or debt restructuring — with full penalty analysis first.
Mortgage Renewal
Your bank's renewal offer is a starting point, not the final word. Let us shop the full market at renewal time.
New to Canada
Newcomer programs for recent immigrants, foreign workers, and international buyers in Vancouver.
FAQ
Vancouver Mortgage Questions
What is a realistic budget for buying in Vancouver right now?
Vancouver benchmark prices vary widely by neighbourhood and property type. A detached home in Kerrisdale or Shaughnessy typically requires a household qualifying income well above $200K under today's stress test. Mount Pleasant and the East Van/Nanaimo corridor offer semi-detached and condo options at more accessible price points. The best way to know your real number is a free pre-approval conversation — we stress-test your income, down payment, and liabilities to give you a concrete budget, not a guess.
Can I use rental income to qualify for a mortgage in Vancouver?
Yes, many Vancouver properties generate suite or rental income and we can include that to strengthen your application. The rules differ by lender — some use 100% of rental income, others 50-80%, and a few require a history of rental income on your tax return. Laneway houses and secondary suites in areas like East Van are increasingly common, and we know which lenders are most flexible in how they treat that income.
Does E7 Mortgages have a Vancouver office?
Yes. Our Vancouver office is located at 4830 Nanaimo Street, right in the East Van/Nanaimo corridor. We also serve clients across all Vancouver neighbourhoods by phone, video, and email — most of our Vancouver clients never need to come in. Whatever works for your schedule, we accommodate.
What should I know about strata financing in Vancouver?
Many Vancouver properties are strata-titled condos and townhomes. Lenders assess the strata corporation's financials, depreciation report, and special levy history before approving a mortgage. E7 can flag potential issues early in your shopping process so you don't fall in love with a unit that won't pass lender scrutiny. We've seen deals fall apart at the last minute over strata issues — knowing what to look for saves you time and legal fees.
Ready to Discuss Your Vancouver Mortgage?
Free consultation for Vancouver buyers and homeowners. We compare 30+ lenders so you don't have to.