Mortgage Guides & Answers
The questions we get asked most, answered properly. No jargon, no rate-bait — just how the process actually works in British Columbia.
Guides
First Home Buyer Mistakes to Avoid
How Self-Employed Mortgages Work
Mortgage Refinance Guide
Self-Employed Mortgage Guide
Residential Mortgages in BC
Newcomer Mortgages in BC
HELOC: Home Equity Line of Credit
Construction Mortgages in BC
Debt Consolidation Mortgages in BC
Investment Property Mortgages in BC
Compare your options
- Fixed vs Variable Mortgage Rate
- Open vs Closed Mortgage
- Insured vs Uninsured Mortgage
- Refinance vs HELOC
- Mortgage Renewal vs Switching
- Bank vs Mortgage Broker
Frequently asked questions
- First-Time Home Buyer FAQ
- Mortgage Refinance FAQ
- Mortgage Renewal FAQ
- Self-Employed Mortgage FAQ
- Newcomer Mortgage FAQ
Quick answers
- How much income do I need for a $1 million mortgage in BC?
- What credit score is needed for a mortgage?
- How long does mortgage approval take?
- How much does a mortgage broker cost in BC?
- Can self-employed people get mortgages?
- Can newcomers get mortgages without Canadian credit?
- Should I use a bank or a mortgage broker?
- What is a mortgage refinance?
- What is a mortgage renewal?
- What is a HELOC?
Meet the broker
Ho Lun (Jensen) Tam
Designated Individual, Blue Sky Paragon Mortgage Corporation. BCFSA-registered.
Not sure where to start?
Jensen Tam will look at your situation and tell you what is realistic — no cost, no obligation.