British Columbia Mortgage Solutions
Headquartered in Surrey with deep expertise in Lower Mainland, Fraser Valley, and Vancouver Island markets
Your BC Market Experts
With our headquarters in Surrey and over a decade serving British Columbia, we understand the unique challenges and opportunities in BC's diverse real estate markets. From Vancouver's competitive landscape to emerging opportunities in the Fraser Valley and Interior regions.
Our expertise spans the full spectrum of BC mortgage products, including the BC Home Owner Mortgage and Equity Partnership, First-Time Home Buyers' Program, and specialized construction financing for the province's booming development sector.
BC Specialized Programs
Expert guidance through British Columbia's unique mortgage programs
First-Time Buyers
BC Home Owner Mortgage & Equity Partnership
- 5% down payment matching
- Property Transfer Tax exemption
- Up to $750K purchase price
- New construction incentives
Construction & Development
Builder financing and land development
- Progressive draw mortgages
- Land acquisition loans
- Spec home financing
- Multi-unit development
Investment Properties
Rental and vacation property solutions
- Up to 80% LTV financing
- Rental income calculations
- Multi-property portfolios
- Short-term rental strategies
Serving All BC Regions
Local expertise across British Columbia's diverse markets
Lower Mainland
High-ratio financing & foreign buyer solutions
Fraser Valley
Agricultural properties & acreage financing
Vancouver Island
Vacation properties & retirement planning
Interior/North
Resort properties & resource sector mortgages
BC Market Challenges We Solve
Specialized solutions for British Columbia's unique mortgage landscape
High Property Values
Creative financing structures, co-borrower strategies, and alternative lenders for high-ratio mortgages
Foreign Buyer Restrictions
Navigate regulations, structure compliant purchases, and maximize available programs
Strata Properties
Expert review of strata documents, depreciation reports, and contingency fund analysis
Self-Employed in Tech/Film
Industry-specific income verification for BC's creative and tech sectors
Property Transfer Tax
Maximize exemptions, time purchases strategically, and structure for tax efficiency
Speculation Tax
Structure ownership to minimize exposure and ensure compliance
Visit Our Surrey Headquarters
Meet with our BC mortgage experts in person or connect virtually
Surrey Office
301-1688 152nd Street
Surrey, BC V4A 4N2
Phone
(604) 555-0123
1-800-KRAFT-MTG
Hours
Mon-Fri: 9AM-6PM
Sat: 10AM-4PM