Home Purchase Mortgage in Burnaby, BC
I'll find you the best mortgage for your purchase — and handle everything from application to close.
Whether you're buying your first home or your fifth investment property in Burnaby, Vancouver, or anywhere across Metro Vancouver, finding the right mortgage is about more than just the lowest rate. It's about the right lender, the right terms, and making sure everything is set up to serve you well over the full term — not just on closing day.
I work with a wide range of lenders and shop the full market on your behalf. One application, multiple lenders compared, and I handle all the follow-up so you don't have to.
The home buying process can be overwhelming, it doesn't have to be with the right professionals on your side! Follow my 3 step plan.
Get started right away
The best place to start is to connect with me directly. The mortgage process is personal. My commitment is to listen to all your needs, assess your financial situation, and provide you with a clear plan forward.
Get a clear plan
Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let me help cut through the noise. I'll outline the best mortgage products available, with your needs in mind.
Let me handle the details
When negotiating with the lender, I will handle everything for you. My commitment is to ensure you know exactly where you stand at all times. No surprises. I've got you covered.
Fixed or Variable — Which Is Right for You?
One of the first decisions you'll make is whether to go fixed or variable. Here's the short version:
A fixed-rate mortgage locks your rate for the full term — predictable payments, no surprises. A variable-rate mortgage moves with the Bank of Canada's prime rate — potential savings if rates fall, but less certainty.
The right answer depends on your financial situation, risk tolerance, and how long you plan to stay in the property. I'll walk you through both options with real numbers so you can make a confident, informed decision.
What to Expect When Buying in Metro Vancouver
Purchasing a home in Burnaby or Metro Vancouver comes with its own set of considerations — high purchase prices, competitive offer situations, and fast timelines.
Here's how I help you navigate it:
- Pre-approval secured upfront so you can make offers with confidence
- Rate hold for 90–130 days while you search — if rates rise, yours stays locked
- Fast turnaround on full approval once you have an accepted offer
- Lender comparison across the full market — not just posted bank rates
- Plain-language explanation of your mortgage terms before you sign anything
- Guidance on fixed vs. variable, amortization length, and prepayment privileges based on your goals
Buy property with confidence
I'll take care of the financial details, so you can focus on finding the perfect home.
Resources to help you with mortgage financing on your home purchase
Should you get preapproved for a Mortgage?
If you’re thinking about buying a property, but you’re not sure where to start, you’ve come to the right place. Getting pre-approved is one of the first steps in your home buying journey.
An Overview of the Home Buying Process
If you’re planning to buy either your first home or your next home, let’s assess your creditworthiness, take a look at your income, plan for a down payment, and nail down exactly how much you can afford to borrow.
GDS/TDS Ratios Explained
One of the major qualifiers lenders look at when considering your application for mortgage financing is your debt service ratios. Learn more about how your gross debt service ratios (GDS) and total debt service ratios (TDS) impact your mortgage qualification.
How to Avoid an Accidental Home Purchase
Buying a property might be easier than you think. So, if you have NO desire AT ALL to qualify for a mortgage, here are some great steps you can take to ensure you don’t accidentally buy a property.
Getting a Mortgage While on Parental Leave
If you’ve thought now is the time to find a new property to accommodate your growing family, but you’re unsure how your parental leave will impact your ability to get a mortgage, learn more about parental leave and mortgage qualification here.
Understanding your Employment Status
If you’re looking to secure mortgage financing, understanding how lenders look at your employment is an important step in understanding mortgage qualification. Learn more about your employment status.
Learn more about how credit impacts a home purchase
Credit and Mortgage Financing
Credit is the ability of a customer to obtain goods or services before payment, based on the trust that you will make payments in the future. When you borrow money to buy a property, you’ll be required to prove that you have a good history of managing your credit.
How to Handle Missed Payments
If you’ve missed a payment on your credit card or line of credit and you’re wondering how to handle things and if this will impact your creditworthiness down the road, here’s the plan for you to follow.
Programs that help you buy a property
Using Your RRSP For a Home Purchase
Did you know there’s a government program that allows you to use your RRSP to help come up with your downpayment to buy a home? Learn more about the Home Buyer’s Plan.
What is a Cashback Mortgage?
A cashback mortgage is similar to a standard mortgage, except that you receive a lump sum of cash upon closing. Learn more about how a cashback mortgage works and if you qualify.
Purchase Plus Improvements
Did you know that if you can’t quite find a property to meet your needs, that you can include the cost of renovations into your mortgage? Learn more about purchase plus improvements here.
Frequently Asked Questions
How long does mortgage approval take in BC?
A pre-approval can typically be completed within 24–72 hours. Full mortgage approval after an accepted offer usually takes 5–10 business days, depending on the lender and the complexity of your file. I manage the entire process and keep you informed at every stage so there are no surprises on your subject removal date.
Can I get a mortgage if I'm on parental leave?
Yes. Most lenders will use your pre-leave income to qualify you, provided you have a letter from your employer confirming your return date and salary. It's a common situation and one I've helped many clients navigate successfully. The key is knowing which lenders are most flexible — and that's exactly what I'll find out for you.
What closing costs should I budget for in BC?
In addition to your down payment, you'll need to budget for property transfer tax (unless you qualify for a first-time buyer exemption), legal/notary fees ($1,200–$2,500), home inspection ($400–$600), title insurance (~$200–$300), and any applicable GST on new construction. I always walk my clients through a full closing cost estimate before we finalize anything so there are no surprises.
Should I get a fixed or variable rate mortgage in BC right now?
The right choice depends on your personal situation — your income stability, how long you plan to stay in the property, and your comfort with payment uncertainty. I'll model both options for you with real numbers so you can see exactly what each one means for your monthly payments and total interest cost over your term. There's no single right answer — but there's usually a better fit for your specific situation.
What is a subject-free offer and how does it affect my mortgage?
A subject-free offer means you're purchasing without conditions — including a financing condition. This has become more common in competitive Metro Vancouver markets. It carries real risk if your mortgage doesn't come through. Before you consider going subject-free, I'll make sure your financing is as solid as it can possibly be — full lender sign-off, income confirmed, and no surprises. Never go subject-free without talking to your mortgage broker first.
