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Licensed BC Broker Same-Day Pre-Approvals Rate Hold Available

📰 Mortgage News Fixed vs. variable: today's ~1% rate gap is reshaping how Canadians borrow. Next Bank of Canada rate announcement: July 15, 2026.

Pre-Qualification Estimator

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Instantly pre-qualify with a pre-qualification certificate. Note: your pre-qualification is subject to a formal pre-approval.

Step 1 of 5

What's this mortgage for?

Purchase

Refinance

Renewal

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What matters most to you?

Save money — lowest rate

Flexible — higher approval amount

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Property

Purchase price

Annual property taxes (auto-estimated from city + price below — edit for an exact figure)

City (fallback only, if no exact tax figure entered)

Property type

Condo

House

Condo fee (monthly) (city average — edit if the client's fee differs)

Loan details

Down payment

Income & credit

Gross annual household income

Other monthly debt payments (car, credit cards, loans)

Credit score band

760+

680–759

620–679

<620

Pre-qualification likelihood

—

This is a triage estimate using James's current stress-test qualifying rate and the qualification path selected above — not a lending decision or guarantee. Full underwriting can differ.

Mortgage amount—

Monthly payment—

Property tax (monthly)—

Condo fee counted (50%)—

James Park, Licensed Mortgage Broker, with his team along the Vancouver waterfront

Your Broker

Hi, I'm James Park.

A bank has exactly one rate to offer you: theirs. I've got 150+ lenders competing for your file, and I'll tell you straight which one actually wins — no pressure, no fine print you find out about later.

Licensed Mortgage Broker — BC · License #503774

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Mortgage Payment Shock 2026

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What Our Clients Say

★★★★★

"Got my first home at a rate I didn't think was possible. The process was smooth and James walked me through every step."

Sarah M.

Vancouver, BC

★★★★★

"Renewal was coming up and they saved us $300/month vs what the bank offered. Don't sign your renewal without calling first."

David K.

Surrey, BC

★★★★★

"The online calculator gave me a realistic picture before I even spoke to anyone. Then the team helped me close in two weeks."

Priya T.

Burnaby, BC

Get Canada'sBest Rates

Enter the numbers. Get a real answer.

What's this mortgage for?

What matters most to you?

Property

Loan details

Income & credit

Hi, I'm James Park.

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Find a Partner →

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Mortgage Payment Shock 2026

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