We're YOUR Mortgage Broker in Victoria BC
Get started today and receive a Free 3-Night Hotel Stay* when you get your mortgage through us!
*click through to see details on the quick application page
Tiff M.
Paul T.
Kevin H.
MORTGAGE BROKER in VICTORIA BC
Andrew Libera
Your Best Local Mortgage Options
- Lenders Fighting For Your Business
- Fast Online Approvals
- Save Thousands in Payments
- Professional Local Service
- Fast & Efficient: Save Time & Money
- Get Your Best Mortgage Rate
Your Local Victoria Mortgage Brokers
Is it Better to Get a Mortgage from a Bank or a Broker?
Answer: Getting Your mortgage with the right lender can save You Tens of Thousands of Dollars, and a lot of stress. A mortgage broker can match you with the right lender for your specific situation. How does that benefit you?
- Maximize Your Purchase Budget
- Flexibility to Pre-Pay and Pay Your Mortgage Off Early
- Minimize any Penalties if you must Sell or Relocate
- We Walk you Through all the Terms personally
So if you are looking for a low-rate flexible home loan, we are your local home finance experts – your 5 Star Mortgage Broker in Victoria BC. Don’t settle for the limited offerings of a single financial institution; a bank, credit union or other lender. We are specialists dedicated to matching you with the ideal home mortgage product, with the best rate, and greatest pre-payment flexibility. Low rates can be deceiving if the mortgage offers no flexibility and can result in high penalties. Beware of low rates without understanding all the terms in the fine print.
Great Lenders and Great Rates for Your Real Estate Needs
When you work with a local Victoria mortgage broker you will be presented with many options depending on your borrowing needs and your plans for the future. Whether you are brand new to real estate, new or considering leveraging your home equity to purchase an income property we have the right mortgage products for you.
Complete Your Application from Work or Home
As part of Mortgage Alliance we have direct access to high quality lenders’ mortgage products. Whether it is negotiating for the lowest rate, ensuring pre-payment flexibility, or planning for the future growth of your investment property portfolio, you can relax while we get to work and take care of everything. Not all mortgage are the same so you may want to discuss options to cut years off your mortgage repayment.
Lock in Your Best Mortgage Rate Today
If you have any questions you can contact us directly via email or by phone at 778-766-4411. Call us today to make an appointment for a private consultation in our office. Our expert advice will surely be of great help in finding you the right mortgage that offers true value for your money.
See What You Can Afford
British Columbia Mortgage News & Trends
A Very Basic Overview of Mortgage Qualification in BC
It doesn’t matter if you’re buying a new home or your first one, home buyers are always looking for the best deal! But it can be easy to focus on the rate before you even know if you’ll qualify. Online calculators never show the whole story. Even if you’ve been through the home buying process
Mortgage Co-Signer vs Guarantor
The recent tighter mortgage qualification rules reducing purchasing power by 20% combined with the higher prices of real estate, particularly in Victoria and Vancouver, can make it difficult for a person, or even a couple, to qualify for a mortgage on their own. But with home prices rising and inflation looming, in some housing markets
New June 1 Stress-Test Mortgage Rules Confirmed
OFSI confirmed that all Conventional Mortgages with 20% down or more will as of June 1st be stress tested at 5.25%. The Deputy Prime Minister and Minister of Finance, Chrystia Freeland also issued a statement of her own, announcing the alignment of the insured stress test with the uninsured stress test, also effective June 1st.
OSFI to Re-Examine Stress-Test Policy
According to the Canadian Mortgage Brokers Association BC, the Office of the Superintendent of Financial Institutions (OSFI) restarted its consultation on the minimum qualifying rate for uninsured mortgages and re-emphasized the importance of sound mortgage underwriting. The new proposal for the qualifying rate for uninsured mortgages is the higher of the mortgage contract rate plus
Bank of Canada Policy Rate Announcement – March 2021
Bank of Canada will hold current level of policy rate until inflation objective is sustainably achieved, continues quantitative easing. The Bank of Canada today held its target for the overnight rate at the effective lower bound of ¼ percent, with the Bank Rate at ½ percent and the deposit rate at ¼ percent. The Bank
Bank of Canada to maintain current level rate policy
Bank of Canada will keep present level of policy rate until inflation objective is achieved, recalibrates its quantitative easing program The Bank of Canada today maintained the target of its for the overnight price on the highly effective lower bound of ¼ %, with the Bank Rate at ½ % along with the deposit rate