Vancouver's Trusted Mortgage Brokerage
Navigating Vancouver's real estate market takes more than luck — it takes a mortgage broker who knows every neighbourhood, every lender, and every strategy to get you the best rate.
Get Pre-Approved TodayThe Vancouver Mortgage Market
Vancouver consistently ranks among the most expensive housing markets in Canada, with an average home price hovering around $1.2 million as of early 2025. The market spans an incredible range — from downtown condos starting under $600,000 to West Side detached homes that regularly sell for $3 million and beyond.
What makes Vancouver unique is its diversity of property types and price points. East Vancouver has become one of the hottest markets in the country, attracting young families and investors alike with its character homes and rising condo developments. The corridor along the Burnaby border — areas like Renfrew-Collingwood and Victoria-Fraserview — offers relative value compared to the West Side while still delivering strong appreciation.
Whether you are buying your first condo in Mount Pleasant, upgrading to a detached home in Kerrisdale, or investing in a rental property in East Van, having a mortgage broker who understands Vancouver's micro-markets is essential. Kraft Mortgages has been serving Vancouver families and investors for over 23 years, with access to 40+ lenders and $2 billion in funded mortgages.
Our Mortgage Services in Vancouver
First-Time Buyer Programs
Vancouver is tough for first-timers. We specialize in helping you maximize your purchasing power with the right combination of down payment strategies, pre-approval timing, and lender selection.
Investment Property Mortgages
Vancouver is Canada's premier rental market. We work with lenders who understand the unique math of investment properties — from single-suite conversions to full multi-unit buildings.
High-Ratio & Jumbo Mortgages
From 5% down condos to multi-million dollar West Side purchases, we have lender relationships across the entire spectrum. Our volume gives us access to preferred rates at every price point.
Why Choose a Local Vancouver Mortgage Broker?
Vancouver's real estate market moves fast and rewards preparation. A local broker understands the difference between a Mount Pleasant condo and a False Creek townhouse — not just in price, but in how lenders view them. We know which lenders specialize in strata properties over 20 years old, which ones favour presale assignments, and which private lenders can close in days when you need speed. That neighbourhood-level knowledge translates directly into better rates, faster approvals, and fewer surprises at closing.
Frequently Asked Questions
What is the minimum down payment to buy in Vancouver?
For homes under $500,000, the minimum is 5%. For homes between $500,000 and $999,999, it is 5% on the first $500,000 and 10% on the remainder. For homes over $1 million, the minimum is 20%. Given Vancouver's average price, most buyers will need at least $60,000–$100,000 down.
Can I buy a Vancouver condo with less than 20% down?
Yes, if the purchase price is under $1 million, you can put as little as 5% down. However, you will need mortgage default insurance (CMHC or private), and the strata must meet the lender's criteria — including financial health, age of the building, and any pending special assessments.
How does the Vancouver vacancy tax affect my investment property mortgage?
The Empty Homes Tax and BC Speculation and Vacancy Tax can impact your holding costs. We factor these into your debt service calculations to ensure you qualify with the right lender and are not caught off guard by additional tax obligations.
Is it better to buy in East Van or along the Burnaby border?
Both areas offer strong value relative to the West Side. East Vancouver neighbourhoods like Hastings-Sunrise and Grandview-Woodland have seen significant appreciation. Areas along the Burnaby border like Renfrew-Collingwood benefit from SkyTrain access. We can help you compare the numbers.
How fast can I get pre-approved in Vancouver's competitive market?
We can provide a pre-approval within 24 hours — often the same day. In a market where multiple offers are common, having a firm pre-approval in hand can be the difference between winning and losing your dream home.
Ready to Make Your Move in Vancouver?
Get a free, no-obligation mortgage consultation. We respond within 24 hours.