Our Mortgage Services in Vancouver, BC

Our Expert Mortgage Brokers Are Here to Help You!

We work for you to deliver unbiased mortgage advice while offering you choice of mortgage options for each and every one of your mortgage needs.

Our process starts with an introduction and our initial consultation, and it goes all the way to conveyancing and the closing of your mortgage. We don’t stop there, we also help you with annual reviews. We do all of this for free.

Most importantly, we do two things that no other Vancouver broker does: we show you how to look at your options and compare them with our 3 unique mortgage bids. Secondly, we go over how to take advantage of your mortgage’s features so that you can pay less interest and become mortgage free sooner.

Our Services

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    Your Home Purchase

    For When You Purchase Your Home

    We work together to find you the best mortgage to suit your needs based on your current and future goals. Using our Home Buyers’ Mortgage Guide, we will go over what is required from a lender’s point of view and discuss the process involved in getting you the best possible mortgage.

    At Pinsky Mortgages, we recognize that there is not always a lot of time between getting an accepted offer, and removing subjects. That’s why we always do as much work as we can prior to our clients writing their offers so that there is less stress once there is a contract in place. Whether we’ve been working together in advance or not, you can count on our ability to secure approvals quickly and efficiently.

    Our relationship does not end when your mortgage funds! We will continue to support you throughout the life of your mortgage and beyond by offering complimentary services including annual reviews of your mortgage, and advice on how to become mortgage-free sooner.

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    Adopt My Mortgage

    Didn’t get your mortgage financing through us? We’d still love to help!

    We are happy to do a complimentary review of your existing mortgage. Many home owners know they have a mortgage, but are unaware of the perks that they are able to take advantage of, or things to be wary of when planning for future real estate transactions. We will take the time to explain to you the mortgage that you have, to build you a custom strategy to pay down your mortgage faster, and/or just keep your mortgage details on file and watch for better rates and opportunities for you in the future.

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    Mortgage Pre-Approval

    Mortgage Pre-Approvals

    If you’re looking for a great Vancouver mortgage broker to purchase a home, be sure to get pre-approved. A pre-approval is contingent upon verification on the first three steps shown to the left. Lenders need verification on your income, debts and down payment.

    Affordability Analysis

    What is the maximum mortgage amount a lender will lend you?

    Once these three (which three?) are satisfied, we will know for certain what you can afford based on lender (and insurer, if needed) criteria, and what your payments on a specific mortgage will be.

    We will also be able to lock-in an interest rate for you for anywhere from 60-120 days while you shop for your perfect home. By locking in your rate, you are guaranteed to get a mortgage for at least that rate or better.

    In order to get pre-approved, we are required to fill out an application and to submit documentation to determine your buying power. The pre-approval document list is the same list required if you were buying a home, except at this point, there is no specific home in mind yet.

    Getting pre-approved for a mortgage is something every potential home buyer should do before going shopping for a new home. A pre-approval will give you the confidence of knowing that a specific amount of financing is available, and it can put you in a positive negotiating position against other home buyers who aren’t pre-approved.

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    Mortgage Renewals & Transfers

    Are You Paying Your Lender Too Much?

    If you are planning to renew your mortgage at your current lender, you may be leaving money on the table. Lenders always provide you with uncompetitive rates on the first go and generally won’t give you their best rates upon renewal. Your current lender *may* provide you with their best interest rates if you provide them with a rate approval from a different lender. Contact Pinsky Mortgages to see if we can get you a better rate! Bring in your renewal notice showing your offered interested rate and we will do our best to beat it.

    Alternatively, you may want a new mortgage product upon renewal. We will also work with you to choose a mortgage that suits your future goals. Maybe this time you would like to add a Home Equity Line of Credit, look at reducing monthly payments, or need a more flexible product in case you want to sell and purchase a new home in the future. Please don’t hesitate to contact us about your housing and home financing goals for a full review.

    For more information about renewals, please see our Renewals section on the Mortgage Resources page.

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    Refinancing & Debt Consolidation

    Let’s Go Over the Numbers…

    Refinance your mortgage for a lower interest rate, to take equity out of your home, or to consolidate your debt. Use your built-up equity for a variety of purposes including investing, overall lower interest costs, debt consolidation, and home renovations, to name a few. Refinancing and debt-consolidation can be a great benefit to homeowners; we will work with you to implement the right strategy to suit your needs.

    For more information, check out our Refinance section on the Resources page. There’s also a great article on “Should I Break My Mortgage.“

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    Home Equity Lines of Credit

    Unlock the Equity in Your Home

    Use the equity in your home to get a secured line of credit. With a Home Equity Line of Credit or HELOC, you can have fast, easy access to your equity for various purposes. Plus, there are no monthly fees* or pre-payment penalties.

    HELOC’s are great because they are readvanceable, and interest is only charged on the amount of funds being used. Once a portion of the HELOC has been paid off, you can use these funds again for other purposes. Some institutions even allow you to lock in portions of your HELOC as a fixed mortgage later, so that you can take advantage of lower interest rates over time.

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    Purchase Plus Renovations

    Does Your New Home Need Work?

    Have you fallen in love with a home that may need some TLC? There’s a solution for you to pay for your renovations, using only one mortgage. With as little as a 5% downpayment you can get the financing needed to make a fixer-upper into your home sweet home.

    There is even a similar program available for refinances that is great for homeowners that do not quite have enough equity that can be used for upgrades.

    These programs are particularly popular for homes that need kitchen or bath upgrades, and for houses with partially completed basement suites.

    We’ve written a great article about the program.

    The program is meant to make a home that is in a great location just a bit better by renovating what you don’t like. However, you can also use the program to make an “unmortgageable” home mortgageable again by improving things like old wiring or asbestos piping.

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    Investment Properties

    Invest in Your Future

    With investment programs, you can borrow up to 80% of the value of your home for the purchase of a rental property. Benefit from competitive interest rates with no mortgage application fees allowing you to purchase your investment in a cost-effective manner.

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    Non-Traditional Lending

    For When Big Banks Just Don’t Cut It

    Sometimes it is hard to prove income, credit may be damaged, it may be tough to show typical documentation, or you may just be in need of some creative financing. We’ve been able to structure many competitively-priced alternative mortgage solutions that satisfied our clients’ needs while balancing their unique situations.

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    Reverse Mortgage

    Turn The Value Of Your Home Into Cash

    A reverse mortgage is a loan that allows you to get money from your home equity without having to sell your home. This is sometimes called “equity release”. You can borrow up to 55% of the current value of your home.

    The maximum amount you’re able to borrow will depends on:

    -Your age
    -Your home’s appraised value
    -Your lender

    You pay back your loan when you move out of your home, sell it or the last borrower dies. This means you don’t need to make any payments on a reverse mortgage until the loan is due. You will owe more interest on a reverse mortgage the longer you go without making payments. At the end of your loan term, you may have less equity in your home.

The Pinsky Home Buying Process

We’re looking forward to providing you with the mortgage advice and service all of our clients and referrals have come to expect.


Review lenders, mortgage options, and mortgage types

Not all mortgages or lenders are created equal. We will go over available mortgage options and highlight the features you may want based on your future financial goals.


Determine a timeline for your purchase

Your purchase timeline dictates whether a pre-approval should be started or, if you have a home under contract, a firm approval should be processed right away.

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Submit required documentation

Your pre-approval is contingent upon lenders having your income documentation, down payment confirmation, and your credit bureau.


You and your Realtor will analyze your needs, wants and priorities for your new home

Determine the type of home you are interested in purchasing. Your Realtor will help you find and rate properties based on criteria you create together.


Tour properties with your Realtor

After looking at properties, you will find a home that fits your needs.


You and your Realtor decide on a desired purchase price

The sellers will either accept, reject, or counter your offer. This process will go on until a mutual agreement is met.

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Provide property information to Pinsky Mortgages

Submit your closing contract, MLS listing, Property Disclosure Statement and Form B with its attachments.


Mortgage submission and your 3 Unique Mortgage Bids

With a closing date in mind, we will be able to provide you with 3 competitive mortgage bids for your mortgage. Your initial pre-approval will be included in your options.


Property due diligence

Have the home inspected by a qualified home inspector, read the strata minutes (if applicable), and become acquainted with any other relevant property information. At this time, an appraisal may be required by the lender.


Make arrangements

Make arrangements with your:

  • Conveyancing lawyer or notary
  • Home insurance specialist
  • Personal insurance specialist
  • Movers or book your moving truck
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Completion Day

On the completion day, your lawyer will handle the money and title transfer on your behalf.