Financial Services | Residential Mortgage in Vancouver, BC.

Are you in search of dependable Mortgage Loan Solutions in Metro Vancouver? Look no further than Syndicate Lending. Our team of Expert Mortgage Brokers is dedicated to connecting you with the top Mortgage Lenders in Vancouver, Abbotsford, Chilliwack, Surrey, and the surrounding Metro Vancouver Area. Whether you're a First-time Homebuyer seeking mortgage pre-approval or comparing High-Ratio vs. Conventional Mortgage Loans, we offer customized financing options tailored to your unique needs.

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Expert Home Mortgage Brokers in Vancouver B.C.

We specialize in a wide range of British Columbia Mortgage Financing Services, including Home Equity Lines of Credit (HELOCs), Mortgage Refinancing, and access to Private Mortgage Lenders for those with distinctive financial situations. Our knowledgeable team is here to guide you through the Conventional Mortgage Process, secure Competitive Mortgage Rates in Metro Vancouver, and explore the best lending solutions, even if you have Bad Credit. 

Let us simplify your mortgage journey and help you discover the ideal financing option today. With our expertise, you can confidently navigate the Mortgage Landscape and achieve your Homeownership Goals.

20+

Years of Experience

4

Global

Offices

1000+

Lenders

Mortgage Solutions in Vancouver & BC – How We Can Help

Home Purchase Financing in Vancouver, BC

At Syndicate Lending, we help homebuyers in Vancouver, Surrey, Langley, and across BC secure the right financing to purchase their dream home. Whether you need a conventional mortgage, high-ratio mortgage, private loan, or HELOC, our expert brokers guide you through pre-approval, application, and closing. We simplify the process so you can focus on finding the perfect home.

Bad Credit Mortgages in BC

Worried your credit score might stop you from getting approved? At Syndicate Lending, we specialize in connecting BC homeowners with flexible bad credit mortgage solutions. Our Vancouver mortgage brokers work with trusted lenders to find approvals for self-employed clients, those with past credit challenges, or anyone declined by banks. Even if you’ve been turned down before, we can help you explore options to move forward.

Mortgage Pre-Approval & Application Process in BC

Required Documents for Mortgages in BC

Applying for a mortgage doesn’t have to be confusing. At Syndicate Lending, we prepare you with a complete list of documents you’ll need for mortgage pre-approval, refinancing, or renewal in BC. From income verification to credit history and property details, we make sure you’re fully ready to apply—saving you time and avoiding delays in approval.

Residential Mortgage Services in Vancouver, BC
– What We Offer

Conventional Mortgage in Vancouver BC

A conventional mortgage is the most common type of home loan, designed for buyers with at least a 20% down payment.

Since it doesn’t require mortgage insurance, it often comes with lower long-term costs.

At Syndicate Lending, our Vancouver mortgage brokers connect homeowners across BC including Surrey, White Rock, and Langley with conventional loans that offer stability, competitive rates, and flexible terms—ideal for those looking for straightforward financing.

High Ratio Mortgage in BC

If saving a 20% down payment feels out of reach, a high-ratio mortgage can help you buy a home sooner. With as little as 5% down, you can still qualify, though mortgage insurance is required. At Syndicate Lending, we guide Vancouver and BC homebuyers through insured mortgage programs that make ownership possible faster—especially helpful for first-time buyers entering today’s housing market.

Fixed Rate Mortgage in Vancouver

A fixed-rate mortgage locks in your interest rate for the entire term, typically 1–5 years. This ensures your payments stay the same, making it easier to budget even when market rates change. At Syndicate Lending, our Vancouver brokers help homeowners across BC find the best fixed-rate options, giving you peace of mind and long-term financial security.

Variable Rate Mortgage in British Columbia

A variable-rate mortgage means your interest rate—and sometimes your payments—change as the market shifts. Many homeowners choose this option for potential savings if rates go down, though it carries some risk if they rise. At Syndicate Lending, we help Vancouver and BC borrowers understand whether a variable mortgage fits their budget, lifestyle, and risk comfort.

First Time Homebuyer in Metro Vancouver

Buying your first home can feel overwhelming, but special mortgage programs are available to make it easier. With lower down payment requirements and access to government incentives, first-time buyers can step into the market sooner. At Syndicate Lending, we specialize in guiding Vancouver and BC buyers through every step—finding the right mortgage, explaining incentives, and making sure your first home purchase is stress-free.

Mortgage Refinancing in Surrey, White Rock & Across BC

Mortgage refinancing lets you replace your current loan with a new one, often to secure a better rate, lower monthly payments, or access home equity for big expenses. It’s also a useful tool for consolidating debt into one manageable payment. At Syndicate Lending, our Vancouver brokers help homeowners across BC decide if refinancing is the smart move to improve their financial flexibility.

Mortgage Renewal in Vancouver, Surrey & Burnaby

When your mortgage term ends, you’ll need to renew—but many homeowners simply sign with the same lender without comparing options. At Syndicate Lending, we shop the market across Vancouver and BC to find the best renewal rates and terms, helping you save money and customize your mortgage to your current needs. Renewal is the perfect time to renegotiate for better conditions.

HELOC
in Vancouver

A HELOC allows you to borrow against the equity in your home, giving you flexible access to funds whenever you need them. It works like a credit line—you borrow only what you use and pay interest on that amount. At Syndicate Lending, we help Vancouver and BC homeowners set up HELOCs for renovations, education, or big life expenses, making it a smart way to leverage your home’s value without selling.

Home Equity Loan in Vancouver BC

Home equity is the portion of your home you truly own—the difference between your home’s market value and what you still owe on your mortgage. The more equity you build, the more financial options you gain. At Syndicate Lending, we show Vancouver homeowners how to calculate, grow, and use their equity wisely—whether through refinancing, HELOCs, or reverse mortgages—to reach long-term goals.

Private Mortgage Options in BC

When banks decline your application, a private mortgage can provide fast and flexible financing. These loans are funded by private lenders instead of traditional banks, making them ideal for self-employed individuals, those with credit challenges, or anyone needing quick approval. At Syndicate Lending, our Vancouver mortgage experts connect BC homeowners with trusted private lenders to keep your home financing goals on track.

Our Mortgage Broker Experts

Meet the team behind Syndicate Lending Corporation—your trusted mortgage advisors in Vancouver BC. Since 2015, we've built a strong reputation as a leading Vancouver mortgage company by delivering exceptional client service and personalized mortgage solutions for homebuyers, investors, and businesses across British Columbia.

OUR TEAM

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Inam Qureshi

Founder CEO

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Varsha Sharma

Mortgage Broker, Partner

Residential Mortgage FAQ

Answers to Common Mortgage Financing Questions Clear insights to help you make informed home loan decisions.

Q. How do I apply for a mortgage in BC?

To apply for a mortgage in British Columbia, you’ll typically need to:

Know your credit score (ideally 680+ for the best rates).
Gather key documents like proof of income, bank statements, ID, and down payment details.
Get pre-approved to understand how much you can afford.
Choose the mortgage type (fixed, variable, open, closed, etc.).
Submit your application to a lender or broker.

At Syndicate Lending, we walk you through each step — from document prep to lender matching — with offices in Vancouver and White Rock and services across BC and globally in our Dubai and London offices.

Q. What support is available for first-time homebuyers in Canada?

First-time buyers in Canada can access:

First-Time Home Buyer Incentive: A shared equity program with the government.
Home Buyers’ Plan (HBP): Withdraw up to $35,000 from your RRSP tax-free.
Land Transfer Tax rebates in provinces like BC.
5% minimum down payment on homes under $500,000.

We help clients assess eligibility, combine incentives where possible, and find lenders with flexible terms to make first-time buying more accessible.

Q. Can I qualify for a mortgage if I'm self-employed?

Qualifying for a mortgage as a self-employed person can be more complex because lenders require proof of stable income. Typically, they want to see 2+ years of tax returns, Notice of Assessments (NOAs), business financial statements, and evidence of consistent earnings. We specialize in helping self-employed clients prepare their financial documents correctly and connect them with lenders who understand business income, we services cities all across the Lower Main Land like Langley, Abbotsfort, Burnaby, Richmond, and other parts of BC.

Q. How much downpayment do I need to buy a home?

Down payment requirements depend on the property price:

For homes under $500,000: minimum 5%.
For homes priced between $500,000 and $999,999: 5% on the first $500,000, then 10% on the remaining amount.
For homes $1 million and above: minimum 20%.

We review your financial situation and suggest ways to optimize your down payment using options like gifted funds, RRSP savings, or equity from existing properties.

Q. What's the difference between fixed and variable rate mortgages?

A fixed-rate mortgage keeps the same interest rate throughout the term, offering predictability and stable monthly payments. A variable-rate mortgage fluctuates with market interest rates, which can mean lower initial payments but comes with more risk if rates rise. We help clients assess their financial goals and risk tolerance, especially important in variable rate environments seen recently across Metro Vancouver.

Q. Can I get a mortgage with bad credit?

It is possible to get a mortgage with bad credit, but it often means higher interest rates or shorter amortization terms. We work with alternative lenders and private mortgage providers who look beyond credit scores to your overall financial health. Syndicate Lending has helped clients in Coquitlam, New Westminster, Kelowna, and throughout BC secure second-chance mortgages with plans to rebuild their credit over time.

Q. How does refinancing a mortgage work?

Refinancing means replacing your current mortgage with a new one, usually to get a lower interest rate, access home equity, or consolidate debts. The process involves applying to lenders again, reviewing new terms, and paying any applicable fees. We compare multiple refinancing options to help you save money or unlock funds, whether you’re in Greater Vancouver or elsewhere in BC.

Q. What is a second mortgage, and when should I consider one?

A second mortgage is an additional loan secured against the equity in your home. It’s commonly used to finance home renovations, make investments, or consolidate higher-interest debt. We advise clients on when taking a second mortgage makes financial sense and help find competitive rates from trusted private or institutional lenders.

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Mortgage Case Studies

See how Syndicate Lending delivers customized mortgage services in Vancouver BC and globally—helping clients secure the right financing through our trusted lender network.

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