Funded$1.42M
Coal Harbour, Vancouver
2 Bed · Purchase
5-yr fixed · 30-yr amortization
"Beat the bank's posted rate by 0.84%."
Vancouver · British ColumbiaPre-approved in 24 hours.
Pre-approved in 24 hours.
Keys in your hand sooner.
I'm John Doe , a licensed Vancouver mortgage broker specializing in condos. Book a free 15-minute call and I'll personally find you a sharper rate than your bank, with no fees and no credit hit.
- Avg. approval
- 24h
- Lenders shopped
- 50+
- Broker fees
- $0
Today's featured ratesGet a custom quote →
5-yr fixed insured4.29%
5-yr variable4.95%
3-yr fixed4.49%
1-yr fixed5.34%
Shopping rates from 50+ Canadian lenders, including
ScotiabankTDRBCCIBCBMOMCAPFirst NationalEquitable BankManulifeHomeEquity
How it works
Three simple steps. Most clients close in under 30 days.
- 01
Book a free 15-min call
Tell me your goals , purchase, refinance or renewal. No credit pull, no commitment, no awkward sales pitch.
- 02
I shop 50+ lenders for you
Within 24 hours I come back with the sharpest rate and structure for your situation , and explain the trade-offs in plain English.
- 03
Sign and get the keys
I handle the paperwork, the lender, and your lawyer. You show up to closing and pick up your keys.
My services
One broker. Fifty lenders. Your mortgage.
A full-service mortgage consultant serving Greater Vancouver, British Columbia, and clients across Canada and abroad.
01
Purchase
First-time buyer, upgrading, downsizing or buying an investment property , I'll guide you through it and find the sharpest rate in BC.
02
Refinance
Consolidate high-interest debt, pull equity, or restructure into today's lower rates. Many clients save thousands a year.
03
Renewal
Don't sign your bank's renewal letter. I'll shop the whole market , you get the best discounted rate available, not the convenient one.
04
Residential & commercial
From a Vancouver condo to a multi-unit commercial building, I have the lender relationships to structure financing that actually closes.
What clients say
5.0 on Google· 127+ reviewsFrom the people who got the keys.
Micah negotiated a rate well below what our bank offered on our Vancouver renewal. The whole process was calm, fast, and felt completely on our side.
Priya & Daniel R.
Renewal, Vancouver
Self-employed and the big banks all said no. Micah matched us to a lender who actually understood our income, and we closed in under a month.
Jordan M.
Purchase, Burnaby
We refinanced, consolidated some debt, and our monthly payment still went down. Honest advice and zero pressure , exactly what we needed.
The Okafor family
Refinance, Surrey
Meet John
500+ Vancouver condos financed. And counting.
I'm John Doe, a licensed Vancouver mortgage broker specializing in condos and pre-sale assignments across Metro Vancouver. Over the last decade I've funded more than 500 deals , from first-time buyers in Brentwood to investors in Coal Harbour.
My job is simple: get you a sharper rate than your bank, structure it so you actually save money over the term, and make the whole process feel like a single phone call instead of a paperwork war.
"I treat your mortgage like it's mine. That means negotiating hard, explaining everything in plain English, and being available when you actually need me , evenings and weekends included."
Mortgage calculator
See your monthly payment in seconds.
Estimate your mortgage payment based on price, down payment, rate and amortization. Then reach out , I'll shop 50+ lenders to beat it.
Get my real rate$850,000
20% · $170,000
Monthly payment
$3,892
Loan amount
$680,000
Total interest
$487,738
Estimates only. Actual payments depend on lender, insurance, taxes and qualifying criteria.
Not sure if now is the right time to buy?
A 15-minute call will tell you exactly what you qualify for and what your monthly payment would look like , zero pressure.
Recently closed
Real deals. Real keys handed over.
A snapshot of mortgages funded across Metro Vancouver in the last few months.
Funded$865K
Yaletown, Vancouver
1 Bed + Den · Refinance
Variable · Debt consolidation
"Lowered monthly payments by $612."
Funded$978K
Brentwood, Burnaby
Pre-sale Assignment
5-yr fixed · 20% down
"Closed in 23 days, ahead of completion."
Want to see what your deal could look like?
Book a free call →Representative recent transactions. Client names withheld for privacy. Rates and terms vary based on qualification and lender programs at time of funding.
Why a broker
Why pay more than you need to?
There are a lot of misconceptions about mortgage brokers. Here's the honest version.
- 01
Choice
I have access to a portfolio of products and rates from major banks and top lenders , many only available through brokers. You're not stuck with one bank, so your chance of approval is higher.
- 02
Low rates & savings
Lenders give brokers their sharpest discounted rates because they know we're shopping the competition. No negotiation needed on your end , I do that for you.
- 03
Honest advice
Mortgages are all I do. I work for you, not the bank, so the recommendation you get is the one that's actually best for your situation.
- 04
Available 7 days
When the banks are closed, I'm not. I make the mortgage process as smooth and as easy as possible, around your schedule.
- 05
Free service
There's no charge to use my service and no commitment. The lender pays the finder's fee , never you.
FAQ
Answers, before you ask.
Still have a question? Get a real answer in 15 minutes.
Book a free call with John →Book your free call
15 minutes. Zero pressure.
Tell me a little about your situation and I'll personally come back within one business day with the rate and structure that actually fits , no credit pull, no fees, no commitment.
- ✓Pre-approval typically within 24 hours
- ✓Soft inquiry only , no impact to your credit
- ✓Zero broker fees, ever
604-259-8559
info@rtcmortgage.ca
Vancouver, BC · Available 7 days a week