BC Mortgage Areas


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Mortgage lending areas in British Columbia Canada will vary dramatically depending on lenders, types of lenders locations and lending values.

Mortgage lending areas for most banks are the major and minor hubs. Basic rule is if the branch is in the town they are lending mortgages there. Now that being said just because the bank or credit union is in the town doesn’t mean that the mortgage insurer CMHC GENWORTH or Canada Guarantee will lend insurance on mortgages in the town.

If the mortgage insurer is not on board with mortgage financing you will have to go conventional. This means you will require 20% to 25% depending on the bank or credit unions requirements.

If the application has income or credit challenges accompanying the mortgage lending areas you may have to consider a private mortgage or equity loan. These loans are sole based on the equity in the home and not your current credit or income. These loans are used as a short term solution giving you time to secure the property or money you need and work out the income or credit issues. The hope is to fix your application in the interim and go back to conventional financing in the near future.

We will consider all these Mortgage lending areas and more:

In the BC Lower mainland our mortgage lending areas in municipalities and towns of Abbotsford BC | Burnaby BC| Pitt Meadows BC | New Westminster BC | Chilliwack BC | Maple Ridge BC | Coquitlam BC | Port Coquitlam BC | Langley BC | Richmond BC | Surrey BC| Vancouver BC | North Vancouver BC | West Vancouver BC| Whistler BC | Squamish BC | Hope BC | Lions Bay BC | Gibsons BC | Roberts Creek BC | Secret Cove BC | Texada Island BC | Irvings Landing BC | Salt spring Island BC | Powell River BC | Lund BC | Agazzis BC | Harrison Hot Springs BC | Boston Bar BC | Lytton BC and many others.

In the Okanagan, Kootenays & Interior our mortgage lending areas in the municipalities and towns of Kelowna BC | Vernon BC | Penticton BC | OK Falls BC | Summerland BC | Peachland BC | Princeton BC| Oliver BC | Osoyoos BC | Kamloops BC | Salmon Arm BC | Revelstoke BC | 100 Mile House BC | Ashcroft BC | Castlegar BC | Invermere BC | Cranbrook BC | Kimberley BC | Prince George BC | Quesnel BC | Vanderhoof BC | Fraser Lake BC | Burns Lake BC | Fraser Lake BC | Prince Rupert BC | Terrace BC and many others.

On Vancouver Island our mortgage lending areas in the municipalities and towns of Victoria BC | Sidney BC | Sooke BC | Port Renfrew BC | Duncan BC | Salt Spring BC | Chemainus BC | Cumberland BC | Parksville BC | Nanaimo BC | Parksville BC | Port Alberni BC | Saanich BC | Qualicum BC | Courtenay BC | Comox BC | and Campbell River BC plus many more.