| Term | Bank Rate | Our Rate |
| 1 Year | 7.74 % | 5.94 % |
| 2 Year | 7.34 % | 4.79 % |
| 3 Year | 6.94 % | 4.44 % |
| 4 Year | 6.74 % | 4.39 % |
| 5 Year | 6.79 % | 4.14 % |
| 7 Year | 7.10 % | 5.09 % |
| 10 Year | 7.25 % | 5.34 % |
Not all lenders are created equal. Some have more flexible criteria, which may result in an approval of your application or for the mortgage amount that you want. With the large number of mortgage lenders operating in the Canadian marketplace today, the competition is not always only on rate. Many also offer more relaxed guidelines for approval in order to stay competitive. Whether it is a more relaxed outlook on your past credit history or an allowance for a higher debt service ratio, their less stringent criteria may make the difference in an approval or decline, or for a higher mortgage amount.
Like borrowers, lenders have different needs and different risk thresholds.
Some lenders, in order to stay competitive, are willing to take on more risk than other lenders.
Some lenders consider certain criteria to be more important than other lenders (e.g. lenders looking for a fairly quick mortgage investment may be looking more for higher income levels than other mortgage lenders look for).
We can help you find the right lender to meet your needs.
For many applications, our services are at no cost to you. The lender will be paying us a finder’s fee for bringing them a new valued client.
As a Mortgage Planner since 1995, Wayne has been committed to providing unparalleled service to his clients. His patience in listening to his clients' needs and desires, the commitment to ensuring that these [...]
As a Mortgage Planner since 1991, I have been committed to providing the best possible service while putting the needs of my clients first and foremost at all times. My goal is to help my clients with all aspects of mortgage [...]
Rowan worked for a large local credit union for the last five years where he gained extensive experience in banking, loans, and investments. Rowan is hard working, accessible, ethical, and able to deliver under [...]
As a professional financial manager and private real estate investor, I have been in the financial industry since 1998. I have many years of experience in delivering personal financial advice and planning, with a focus [...]
After starting her mortgage industry career with TD mortgage solutions, Danielle then joined City Wide Mortgage Services in March 2015. Her goal is to work directly with clients. Danielle's experience and expertise [...]
Hi, I'm Jenna. I’m committed to ensuring you have the right mortgage financing in place at all times regardless of whether you're buying your very first home or you've owned several properties over the years. [...]
City Wide Mortgage is your trusted mortgage solutions and service provider. With access to over 30 of Canada's most innovative and competitive lenders, we are your one-stop mortgage shop. Together, these 30+ [...]
My goal is not only to save you money but also to make your mortgage experience enjoyable and stress free. I will provide you with professional service and knowledge to make your real estate dreams come [...]
"Driven by helping others, I structure my business around providing a heightened level of attention and service. Diligence, determination and dedication are the keys to my success. By making client satisfaction my top [...]
Wesley Fong was born and raised here in Vancouver, B.C. He has spent the past 12 years working with small businesses so he understands the value of relationships and working with family, friends and [...]
I aim to partner with you to meet your Home Ownership Goals. My 11 years of banking experience, as a relationship manager, at Canada's largest Chartered bank allows me to provide you with great financial [...]
With 10 years of experience in the Financial Industry, Kammy has provided professional financing advice and excellent customer service to her customers. With a Bachelor of Economics Degree from [...]
Zaheed joined the City Wide Mortgage team in 2012 after nearly a decade as a successful entrepreneur. No stranger to the Lower Mainland, Zaheed was born and raised in North Vancouver and currently resides in [...]
Born and bred in B.C., I come to City Wide with a background in business ownership and banking and am a member in good standing with CAAMP (Canadian Association of Accredited Mortgage [...]
Atrina Kouroshnia is an independent, licensed mortgage planner with City Wide Mortgage Services and has been helping her clients become homeowners since 2012. She specializes in helping first time [...]
After many years in the health sector, I made the decision to leave that industry and pursue a career in Mortgage Brokering in 2018 and have not looked back. [...]
John is a government licensed mortgage broker who is a member of the Mortgage Broker Association of BC (MBABC) and Mortgage Professionals Canada (MPC). Honesty, integrity and treating everyone as if they are [...]
As a Mortgage Planner at City Wide Mortgage, I feel it is important to have a full understanding of a client's financial goals so we can provide the best plan for today, 5 years from now and long term. Whether you [...]
Jordan is a true Vancouverite. He is one of the few born and raised right here in the city and actually enjoys the rain. After Jordan completed high school he went on to a career in radio broadcasting. He then returned to school at the [...]
Lenders should compete for your mortgage. I work with over 50 lenders (including chartered and major banks, credit unions, and other national and regional lenders) who will compete for your business and provide [...]
From early on, Christopher developed skills to craft specialized mortgage solutions for all his client’s needs. He graduated from Simon Fraser University's Beedie School of Business where he completed [...]
Doriana began her career in mortgage financing in 2008, where she had the privilege of working alongside one of the top-producing brokers in BC, learning firsthand what it takes to provide [...]
I pride myself on providing professional, ethical and honest advice with a very high level of customer service to all my clients. Whether you are planning to purchase, transfer a mortgage or re-finance an existing mortgage, I will [...]
I have a passion for the real estate industry and have been a private investor for the past 7 years. My primary goal is to understand each individual's unique needs and provide the best available options while helping them make [...]
I always take the time to understand each of my client's needs and financial situation, working tirelessly to find them the right mortgage solution. I'm a highly experienced and accomplished mortgage[...]
My name is Angela Long and I am excited to help find the mortgage best suited for you. With 15 plus years in the finance industry combined with my strong communication skills, I am confident I will be able to provide you with [...]
With a wealth of seasoned management and financial expertise, I offer a distinctive approach as a Mortgage Broker. My straight up approach along with sound financial advice, my services resonate with a wide [...]
Hi! My name is Hamasa Shir-Mohammad. My journey as a first-time home buyer and curiosity in the process sparked an illuminating interest in the real estate industry. After [...]
Tanya Gosse is a dedicated mortgage agent with a deep-rooted connection to the Vancouver area. Raised in Burnaby and currently residing in New Westminster, Tanya brings a wealth of local knowledge and expertise[...]
