Live rate tracker across 30+ lenders. Monthly market reports for Vancouver, Surrey, Burnaby and every BC city. Daily news on Bank of Canada moves, CMHC policy, and the lenders that fund what banks decline. Matched to a BCFSA-licensed broker in 2 minutes.
| A-Lender 5yr Fixedbanks, monolines | ~4.5–5.5% |
| A-Lender 5yr Variableprime ± 0.5% | ~5.0–6.0% |
| A-Lender 3yr Fixedshorter term | ~4.9–5.5% |
| B-Lender 1yr Fixedcredit rebuild | ~6.5–8.0% |
| B-Lender 2nd Mortgagebehind 1st | ~8.0–10.0% |
| Private 1st12-mo IO, equity-based | ~9.0–13.0% |
| Private 2ndbehind existing 1st | ~11.0–15.0% |
| HELOCopen, interest-only | ~6.0–7.5% |
| Bridge5–10 day close | ~9.5–12.0% |
Ranges reflect general BC market conditions as of mid-2026. OAC. Methodology.
Governor Macklem cited "encouraging" inflation data but warned about renewal cliff pressure on 1.2M Canadian households between now and end-2026.
REBGV April data shows divergence between detached and condo markets. Sales-to-active-listings ratio at 18% — balanced market territory.
Three Lower Mainland MICs raised pricing on 2nd-position files. Self-employed borrowers and over-75% combined LTV files feel it first.
Industry consultation period opened on May 12. Final guideline expected Q4 2026. Could materially lower qualifying rate for insured purchases.
Equitable, Home Trust, and Haventree announced wider acceptance criteria for incorporated business owners under 2 years.
All-in cost: monthly interest, lender + broker fees, total 12-month carry, net cash.
Open →Max purchase price with BC stress test, GDS/TDS, CMHC premium math.
Open →How much equity can you draw, compared to 2nd mortgage and refinance.
Open →PTT plus first-time buyer + newly built home exemptions + foreign buyer tax.
Open →Renewing in 2026? See exactly how much your monthly payment jumps at today's rates.
Open →IRD penalty vs interest savings — when refinancing actually pays back.
Open →Cards at 22% vs 2nd mortgage at 9% — real monthly savings on your specific debt picture.
Open →Premium tier by down payment %, plus 2026 program updates (MLI Select).
Open →Numbers below are illustrative. Live data feed from REBGV / FVREB / BCREA ships with Phase 4 — automated monthly refresh.
Everything BC homeowners need to know about MIC vs individual private lenders, current rate ranges, what fees actually run, the 5-question framework for evaluating offers, and how to structure your exit plan so a 12-month private doesn't become a 5-year trap.
What lenders actually weight in order (LTV → income → story → beacon), and which B-lenders take which files.
A-lender vs CMHC stated income vs B-lender bank statement programs. What each needs.
Real all-in cost math, plus the structural failure mode every broker has seen.
Maximum equity access, A vs B vs private comparison, when not to refinance.
We track 30+ BC-active lenders three times a week, publish monthly market reports across 10 cities, and route every quote request to a BCFSA-licensed broker. Methodology is public, sources are cited, and our rate data is sorted independently of any commercial relationship.
No credit pull. No obligation. A BCFSA-licensed mortgage professional calls within 1 business day.