Mortgage resources
Mortgage resources and calculators for BC.
Use calculators, comparisons and financing guides to understand the questions worth asking before a residential or commercial mortgage conversation.
Borrower guide
New to Canada mortgages
Prepare residency, income, credit and down-payment questions for a newcomer mortgage application.
Home equity
Reverse mortgages
Compare home-equity, repayment and estate considerations before choosing a reverse mortgage.
Building a home
Construction mortgages
Plan residential project budgets, staged advances, equity and completion financing.
Income
Self-employed mortgage planning
Review business income records, lender questions and preparation for a self-employed mortgage application.
Income
Mortgage planning by profession
Understand how income structure and business ownership may affect the documents a lender reviews.
Tools
Mortgage tools
Start with mortgage payment, refinance, commercial cash-flow, leverage and debt-yield calculators.
Tool
Mortgage calculator
Compare mortgage payment scenarios with Canadian semi-annual rate conversion.
Tool
Refinance comparison calculator
Compare payment, interest, entered upfront costs and remaining balance over the same time horizon.
Tool
Commercial NOI & DSCR calculator
Calculate illustrative effective property income, NOI, DSCR, expense ratio and NOI less annual debt service from your own figures.
Tool
Commercial LTV & LTC calculator
Compare a proposed loan with property value and recognized project cost using your loan, value and project-cost figures.
Tool
Commercial debt yield calculator
Compare annual NOI with a proposed loan amount without applying a universal lender debt-yield threshold.
Comparison
Mortgage comparisons
Compare broker vs bank and private vs B-lender paths using equivalent decision criteria.
Checklist
Pre-approval documents
Prepare identity, income, funds, debts and property records without sending sensitive documents through a public form.
Residential
Mortgage renewal
Understand renewal, switching and refinance as three different paths.
Residential
Mortgage purchase planning
Plan down payment, qualification, property review, financing conditions and closing timing.
Property
Property-type mortgage guides
See why condo, investment, acreage and multi-unit properties can create different lender questions.
Residential
Mortgage brokers in BC
Understand the role of a mortgage broker and the decisions beyond headline rate.
Rates
BC mortgage rates methodology
Understand what needs to be compared around a rate and why stale rate tables are not acceptable.
Commercial
Commercial mortgages
Start with the transaction, property, cash flow and capital structure.
Commercial
Commercial property types
Review how multifamily, industrial, retail, office and mixed-use underwriting can differ.
Commercial
Commercial underwriting
Use DSCR, NOI, debt yield, LTV and LTC in context rather than treating one metric as an approval rule.
Commercial
Commercial document checklist
Prepare a commercial financing package while keeping sensitive records in an approved secure workflow.
Editorial
Mortgage guides
Read practical mortgage guides and a checklist for choosing a mortgage broker.
How time-sensitive mortgage content is handled
Rate, regulatory, tax and program information can change. Check the source links and review dates where provided, and confirm current rules with the relevant regulator, government agency or lender. A general guide cannot confirm the terms available for a particular application.
General education versus a mortgage recommendation
These resources are general education. A recommendation for a particular mortgage, lender or financing structure depends on the borrower, property, current products and the applicable regulated brokerage process.