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We're YOUR Mortgage Broker Victoria BC

Rates are going up! Get Started Today and Secure a Low Rate.


Tiff M.

Andrew helped my husband and I purchase our first home! He was very attentive and great at explaining our options and helped us get a great rate. We had a lot of questions and he always responded quickly and thoroughly. I definitely recommend the team at Victoria’s Best Mortgage and will be using them in the future! Thanks again, Andrew!

Paul T.

I had a superb experience in dealing with Andrew Libera he is a true professional, very knowledgeable, relaxed, honest, courteous, great listener/adviser, prompt at returning calls/e-mails he’s got everything you’re looking when trying to find a Great Mortgage Broker! I would be happy to recommend him to any family member or friend of mine without hesitation. Look no further you’ve found your Broker!

Kevin H.

Andrew provided top notch service. We were first home buyers and he went above and beyond the call to explain and make sure everything was crystal clear and easily understood. The myriad of forms and requests were handled quickly and courteously, more than once coming to our home in person to pick up or deliver documents. We wouldn’t hesitate to recommend Andrew to anyone searching for personal service with a very approachable and knowledgeable background. We literally wouldn’t have gotten our new home without him.
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Andrew Libera | Mortgage Broker

Andrew Libera

Your Best Local Mortgage Options

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?

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.

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

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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

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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.

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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

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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

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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

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