Best Mortgage Agencies in Vancouver
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The 5 Best Mortgage Agencies in Vancouver

A mortgage is a loan that is used to purchase or keep a home, land, or other types of real estate. If you need to mortgage your home but don’t know where to start, we’ve got you covered.

We’ve compiled a list of the best mortgage agencies in Vancouver to help you narrow down your options.

How Much Do Mortgage Rates Cost in Vancouver

Different lenders offer different rates – lower rates mean lower monthly payments, which can help make your dream of owning a home more affordable.

In Vancouver, the rates per term for the best mortgage agencies vary. Most offer annual terms, while others offer non-commitment terms. Some businesses also provide Home Equity Lines of Credit (HELOCs), which allow borrowers to borrow a portion of the pre-approved amount offered by banks.

The most common yearly terms are listed in the table below, along with their average rates. 

TermEstimated Rates
1 YEAR FIXED3.09% - 3.29%
2 YEAR FIXED3.39% - 3.59%
3 YEAR FIXED3.89% - 4.09%
4 YEAR FIXED3.99% - 4.09%
5 YEAR FIXED3.94% - 4.00%
No Commitment2.75% - 3.20%
HELOC4.20% - 5.00%

The Best Mortgage Agencies in Vancouver

This list was curated to make finding a mortgage company easier for you. The following criteria were used to assess these establishments.

Affordability- We consider these businesses based on their rates and other extra fees they may charge to clients.
Loan Options- Having options to choose from is very convenient for customers. We look at the range of loan options they offer.
Customer Service – Excellent customer service can help an establishment’s reputation. It aids in customer retention and referrals.
Approval Process – We look at the timeframe of the application process these companies provide, and what requirements they require from clients.

1. Pinksy Mortgages

Pinksy Mortgages
SERVICESMortgage Renewing


Home Equity Lines of Credit

Purchase Plus Renovations

Investment Properties

Non-Traditional Lending

ADDRESS550 - 2608 Granville Street, Vancouver, B.C., Canada
CONTACT DETAILSPhone: 778-990-8950

Email: [email protected]

OPERATING HOURSMonday - Friday: 09:00 AM - 06:00 PM

Saturdays: 10:00 AM - 05:00 PM

Affordability★★★★★ 5/5
Loan Options★★★★★ 5/5
Customer Service★★★★★ 5/5
Approval Process★★★★☆ 4/5

Pinksy Mortgages is a full-service mortgage broker and brokerage focused on home financing.

This firm provides in-person consultations in Vancouver, British Columbia, and even across Canada, as well as online consultations via Skype, Google Hangouts, and other platforms.

We particularly like the fact that they provide three unique mortgage bids.

These are based on interest rates, prepayment privileges, penalties, and mortgage flexibility.

This service, in our opinion, is especially beneficial for borrowers with specific mortgage requirements.

The majority of customers we’ve spoken with have praised their services because they take the time to communicate with their customers and discuss the best option for them.

We’re also a fan of how Pinksy Mortgages also offers its customers a personalized, in-depth Mortgage Strategy guide. This guide is tailored to your specific situation and capability to pay your mortgage.

Moreover, this guide also assists you in lowering your overall mortgage costs and lessens the impact of rising mortgage interest rates.

Other services they provide include pre-approval, purchases with additional financing for renovations, and our Adopt-My-Mortgage service, in which they advise you on how to take advantage of your mortgage’s features.

Pinksy Mortgages earned the top spot on our list because of their unique mortgage options and tailored mortgage guide that assists clients in making the best choice.


  • Provides free in-person and online consultations
  • Offers three unique mortgage bids
  • Provides a personalized mortgage guide


  • Relatively higher rates
  • Small team

Customer Reviews 

Professional and exceptional customer care

“We encountered many people on the way to our home ownership journey, but Adam Clarke was one of the best. He helped us on short notice when we needed to put an offer on a home that same weekend. He took the time to communicate after-hours if needed, even on Easter weekend. The options were clearly presented and emailed to us and he answered what must have been hundreds of questions as this was my first rodeo. I felt confident in his professionalism and advice. Would definitely recommend him and the Pinksy team for any prospective homeowners.” -Chantal M. 

Responsive and easy to work with

“My partner and I primarily worked with Adam Clarke and could not have had a more positive experience purchasing our first home. Adam and team were extremely professional, responsive and very easy to work with. Adam guided us through the whole process and patiently answered every little question we had (and there were many). We would definitely recommend Pinsky Mortgages to everyone!.” – Caroline G. 

2. True North Mortgage

True North Mortgage
SERVICESNo Commitment Mortgage

Purchase Plus Improvements

Investment Properties

Vacation and Secondary Homes

Newcomers to Canada

Non-Resident Mortgage

Home Equity Line of Credit

International Home Purchases

Pre-Payment Penalties and Privileges

Mortgages for Self-Employed

Reverse Mortgage

ADDRESSLower Level, Royal Centre 212 - 1055 West Georgia Street, Vancouver, BC, V6E 3P3
CONTACT DETAILSPhone: 604-558-1500
OPERATING HOURSMonday - Friday: 09:30 AM - 05:00 PM
Affordability★★★★★ 5/5
Loan Options★★★★☆ 4/5
Customer Service★★★★☆ 4/5
Approval Process★★★★★ 5/5

True North Mortgage has been in business for over 15 years and provides online, phone, and in-person consultations across Canada.

What we found impressive about this establishment is they have an easy and convenient pre-approval process. 

This is a free service that will give you an idea of what numbers will work for your budget and what neighborhoods you can afford. Plus, you can hold your chosen best rate for up to 120 days.

Another thing we liked about them is their ‘No Commitment Mortgage,’ which offers a low variable rate product to make the home-buying process easier.

There are no penalties or restrictions on this service, which has variable rates as low as 2.25 percent. It’s also available on purchases, refinances, and switch transactions. 

True North Mortgage also offers digital tools on its website to help customers understand various mortgages. Another thing that drew our attention was the fact that they offer mortgage calculators to help customers understand the costs of their mortgages.

On a whole, True North Mortgage is one of the best mortgage companies in Vancouver because of its low rates and quick pre-approval process.


  • Fast pre-approval process
  • Offers ‘No Commitment Mortgage’ service
  • Provides digital mortgage tools
  • Provides online mortgage calculators
  • Multiple store locations


  • Rates not available on website
  • Mixed reviews on responsiveness

Customer Reviews 

Patient and smooth process

“This is my second time getting a mortgage and I’ve definitely been able to get a cheaper rate than if I went to a bank directly. Brandon Ching, who I worked with was very timely and patient, even when I was taking my time deciding. They contacted me early enough knowing the rates are going up and the rate I have now you can’t get elsewhere, since the quote I was given had a 90 day limit. Highly recommend it! It was a smooth ready process, being told exactly what I need to complete the process and ended up with rates others envy.” – Haider A.

Very responsive to inquiries

“I worked with Johnson Fong. He was very responsive and answered all of my questions. Interest rate he locked for me was unheard of in the market. I was offered multiple options and Johnson made sure to provide best service. I especially liked the transparency which is not very common. I would strongly recommend True North for mortgage needs. They have my future business for certain.” -Shakti S. 

3. Clever Lending

Clever Lending

Refinance & Renewals

Home Equity Loans

Consolidate Debt

ADDRESS422 Richards St, 170, Vancouver, BC V6B 2Z4
CONTACT DETAILSPhone: 778-388-4240

Email: [email protected]

OPERATING HOURSMonday - Sunday: 09:00 AM - 08:00 PM
Affordability★★★★★ 5/5
Loan Options ★★★★☆ 4/5
Customer Service★★★★☆ 4/5
Approval Process★★★★☆ 4/5

Established in 2012, Clever Lending is a Vancouver-based team that offers a wide range of mortgage services, consultations, and annual mortgage reviews.

We particularly like that this company assists clients in refinance and renewals. They will negotiate with lenders for you and find you the best rate in the market.

Aside from that, Clever Lending helps customers get the best mortgage plan by discussing their mortgage needs and requirements.

This company can also help with home equity loans for people who need to borrow against the equity in their homes.

Clever Lending can also help you refinance your mortgage to consolidate debt and lower monthly payments.

Unfortunately, this establishment only has two mortgage brokers on its team and we feel this limits their ability to handle multiple clients. However, the majority of customers we spoke with praised their excellent services.

Additionally, Clever Lending provides free mortgage consultation and annual mortgage review for all existing clients. 

Overall, we felt Clever Lending deserved a spot on our list because of their numerous mortgage services and free mortgage consultations, which have earned them a large number of loyal customers.


  • Wide range of mortgage services
  • Free mortgage consultations and mortgage reviews
  • Member of 100 Brokers Who Care association


  • Unclear pre-approval process
  • Only has two mortgage brokers

Customer Reviews 

Friendly staff and top-notch rates and services

“Laura at Clever Lending was instrumental in our first home buying experience. She was incredibly friendly, knowledgeable and approachable. To be honest, we often found her to be more helpful than our realtor! Great rate and great service. We have already personally recommended her to multiple friends and will continue to do so.” – Jeremi M. 

Outstanding service

“Clever Lending provided outstanding service on our mortgage needs for the purchase of our new home. In addition to guiding us through the entire process, Laura listened to our specific needs and feelings about certain options and gave advice in a more holistic manner. From providing exhaustive lists of pros and cons to mortgage scenarios, to helping create our own team of legal and insurance professionals, Laura made us feel that she was looking out for our best interest. She was like our personal concierge for all things mortgage related! I would recommend Clever Lending to those seeking mortgage support where it’s not all about the lowest interest rate.” – Tanya D. 

4. The Mortgage Group

The Mortgage Group
SERVICESHome Equity Loans

Private Mortgage Rates

Mortgage for Foreclosure

Half Interest Mortgage

Non-Resident Mortgage

Stated Income Mortgages

B-Lenders Mortgage

Bad Credit Mortgage Loans BC

Mobile Homes Mortgage

Spousal Buyout Mortgage Financing

Private Mortgage Lenders

Second Mortgage

No Income Mortgage

Construction and Commercial

ADDRESS105-1385 West 8th Ave, Vancouver BC V6H 3V9
CONTACT DETAILSPhone: 778-839-3963

Email: [email protected]

OPERATING HOURSMonday- Friday: 09:00 AM - 05:00 PM

Saturdays and Sundays: 11:00 AM - 03:00 PM

Affordability★★★★☆ 4/5
Loan Options★★★★★ 5/5
Customer Service★★★★☆ 4/5
Approval Process★★★★★ 5/5

The Mortgage Group was founded in 2009 and specializes in assisting clients in reaching their financial objectives.

We like that most of their applications are approved within 24 hours, and funding takes between 2 and 10 business days. This timeframe, in our opinion, is convenient because clients are given an expected waiting time and are not left in the dark.

The Mortgage Group provides a wide range of mortgage products, including self-employed mortgages, refinance mortgages, HELOCs, Inter Alia/Bridge loans, commercial mortgages, non-resident home loans, and switch lenders.

We especially like that they have an online mortgage payment calculator to help customers quickly determine how much they can borrow.

Aside from that, this company offers a mortgage qualifier, payments calculator, affordability calculator, amortization calculator, and many other digital tools.

Another thing we found impressive was their low income or no income mortgage, which is meant for people who have lost their jobs.

This service, in our opinion, distinguishes them. They can provide you with the funds you require to get through these difficult times by utilizing one of the numerous equity products available.

All in all, the Mortgage Group is one of the best mortgages in Vancouver for its 24-hour pre-approval process and its tailored services that are ideal for all types of borrowers.


  • 24-hour pre-approval process
  • Has an online mortgage payment calculator
  • Offers services for low income or no income individuals
  • Open seven days a week


  • Relatively higher rates
  • Small team

Customer Reviews 

Informative and no bias advice

“Jeff is highly personable and informative. He tells you the facts, what your options are, and helps you make the best decision for your circumstances. He has given me honest advice, and been helpful even when I chose not to use his service. He was not biased either way. I know it’s there if I need it in the future. I trust his advice.” – Krista R. 

Efficient and professional services

“I have been a client of Jeff’s for several years now and highly recommend using him for your mortgage needs. He is knowledgeable, efficient, friendly, and professional. Jeff has helped me find the mortgage that is best suited to me. Give him a call, and find out how he can help you.” -Stephanie S. 

5. Sneg Mortgage Team

Sneg Mortgage Team
SERVICESMortgage for First-Time Buyers

Mortgage for Self-Employed

Mortgage for Renewal/Transfer/Switch

Mortgage Refinancing

ADDRESS601 W Broadway #400, Vancouver, BC V5Z 4C2, Canada
CONTACT DETAILSPhone: 604-339-1577

Email: [email protected]

OPERATING HOURSMonday - Friday 09:00 AM - 05:00 PM
Affordability★★★★☆ 4/5
Loan Options★★★★★ 5/5
Customer Service★★★★☆ 4/5
Approval Process★★★★★ 5/5

The Sneg Mortgage Team was founded in 2006 and has financed properties in Vancouver, Richmond, West, and North Vancouver, as well as many surrounding cities.

Their service is distinguished by strategic mortgage management. They offer a comprehensive and simple process that gives clients an immediate idea of how much they can afford.

Another thing we liked about them is their ‘New to Canada’ mortgage service, which helps customers who have recently moved to the country buy their first home.

We believe that this service is especially beneficial for newcomers because it does not require income support and only uses credit history to qualify clients.

The Sneg Mortgage Team also provides mortgages for first-time homebuyers, self-employed individuals, mortgage renewal/transfer/switch, refinancing, reverse mortgages, and a variety of other services.

We also like that they provide an all-in-one construction loan to help you build your dream home. Borrowers will only need to show 25 to 30 percent of construction funds in order to be approved.

The Sneg Mortgage Team also offers commercial mortgages, debt consolidation, and second mortgage/private mortgages.

On a whole, the Sneg Mortgage Team is one of the best mortgages in Vancouver as they provide clients with a variety of mortgage services and a transparent application process.


  • Offers ‘New to Canada’ mortgage service
  • Wide range of mortgage services
  • Transparent application process


  • Only has one office location
  • Closed on weekends

Customer Reviews 

Great rates and amazing service

“In theses times having a Mortgage broker like Jacob Sneg and his team working for you is essential!! I gave 5 stars because he always gets me a better rate. Jacob shares his years of financial experience to guide you every step of the way. I just renewed my mortgage and I was amazed at the rate I got! 100% great service.” -Trisch L. 

Professional work ethic and very knowledgeable

“I would strongly recommend that if you are looking to buy a home or even refinance your current one, that you take the time to reach out to the Sneg Mortgage Team. Jacob was so supportive throughout the whole process, he is extremely competent and professional; his work ethic and knowledge solid. He secured an amazing mortgage rate.” -Svetlana F.

FAQs About Mortgage Services in Vancouver