Burnaby Mortgage Broker — Guidance for Every Town Centre

Burnaby Mortgage Broker — From Metrotown Towers to Deer Lake Estates.

Burnaby is British Columbia's second-largest city and one of the most transit-connected markets in the region — four town centres, high-rise condos at Metrotown and Brentwood, and established detached streets around Deer Lake and Government Road. I help Burnaby buyers and owners compare 50+ lenders and secure the right mortgage, with zero broker fees to you.

Serving Burnaby buyers across Metro Vancouver — since 2006
19+
Years of Mortgage Experience
4.9★
Google Rating (90 Reviews)
50+
Lenders Compared For You
Burnaby Real Estate Market

A Burnaby Mortgage Broker Who Knows the Town Centres

Burnaby is British Columbia's second-largest city, and it's organized around four town centres — Metrotown, Brentwood, Lougheed and Edmonds — each anchored by SkyTrain and each with its own housing character. Metrotown is the region's condo capital outside downtown Vancouver, with high-rise towers wrapped around Metropolis at Metrotown and the Expo Line. Brentwood has been transformed by major redevelopment on the Millennium Line, while Lougheed sits where the Expo and Millennium lines meet, and Edmonds anchors the city's southeast growth. Away from the towers, Deer Lake offers heritage estates and arts institutions, Government Road and Buckingham Heights hold upscale detached homes near SFU and Burnaby Mountain, and Burnaby Heights lines Hastings Street with walkable shops and older character houses.

That mix makes Burnaby one of the most condo-dense, transit-rich markets in Metro Vancouver — and financing here is often a strata conversation. Pre-sales and resales in Metrotown and Brentwood come with detailed strata documents that lenders now underwrite carefully: depreciation reports, contingency reserves, rental restrictions and special-assessment history all shape approval. Pre-construction purchases add deposit structures, long completion timelines and rate-hold windows that a bank branch rarely handles smoothly. Detached homes around Deer Lake, Government Road and Capitol Hill frequently sit above the insured-mortgage threshold, which shifts the conversation to conventional financing and larger down payments. I match the lender to the property type and the timeline.

As an independent BC mortgage broker, I bring context a single bank branch can't. I know how a Brentwood pre-sale's completion date affects your rate hold, how Metrotown strata packages get read by underwriters, and how to structure a Deer Lake or Government Road file that lands above $1.5 million. And because I compare 50+ lenders rather than one institution's shelf, I can position each Burnaby file — first-time condo, move-up detached, refinance or renewal — with the lender most likely to say yes on the best terms.

Neighbourhoods We Serve

Every Corner of Burnaby

From Metrotown high-rises to Deer Lake estates and the shops of Burnaby Heights — I've helped buyers and owners across Burnaby.

Metrotown Brentwood Lougheed Edmonds Deer Lake Burnaby Heights Capitol Hill Government Road Buckingham Heights Highgate Willingdon Heights Burnaby Mountain
Burnaby Mortgage Questions

Frequently Asked Questions

How much down payment do I need to buy a condo in Burnaby?
The minimum down payment in Canada is 5% on the first $500,000 of the price and 10% on the portion between $500,000 and $1.5 million. On a $700,000 Metrotown or Brentwood condo, that's $25,000 plus $20,000 — $45,000 total. Homes priced at $1.5 million or more require at least 20% down, since mortgage default insurance isn't available above that threshold. First-time buyers can build their down payment faster with the First Home Savings Account and the RRSP Home Buyers' Plan — I'll walk you through both at no cost.
Which Burnaby town centre is best for a first purchase?
All four town centres — Metrotown, Brentwood, Lougheed and Edmonds — put you steps from SkyTrain, which supports lasting demand for condos and townhomes. Metrotown and Brentwood tend to carry the deepest condo inventory and the most pre-sale activity; Edmonds and Lougheed can offer relatively more attainable entry points. The right choice depends on your budget, commute and whether you want a resale or a pre-sale. Whichever you choose, the building's strata health drives lender comfort — and I read the strata package before we firm up.
How does financing a Brentwood or Metrotown pre-sale work?
Pre-construction condos involve a deposit structure and a completion date that can be a year or more away, so financing is arranged differently than a resale. You'll want a lender whose rate hold and approval framework fit a long completion timeline, and you'll finalize your mortgage closer to completion once the unit is registered. For a newly built home, first-time buyers can also access a 30-year amortization on an insured mortgage. I help you plan the deposits, protect a rate where possible, and line up financing so it's ready at completion.
How do I finance a detached home near Deer Lake or Government Road?
Detached homes around Deer Lake, Government Road, Buckingham Heights and Capitol Hill frequently trade above the $1.5 million insured-mortgage cap, which means at least 20% down and a conventional (uninsured) mortgage. Those files reward shopping the market: I compare fixed and variable options across 50+ lenders, structure the right term and prepayment privileges, and confirm the appraisal supports the value. If you're moving up within Burnaby, I'll also check whether porting your existing mortgage avoids a prepayment penalty.
Can I refinance my Burnaby home to access equity?
Yes. A refinance lets you access up to 80% of your home's appraised value, minus your existing mortgage balance. For example, if your home appraises at $1.4M and you owe $700K, you could access up to $420K (80% of $1.4M is $1.12M, less the $700K balance). Burnaby owners use this to fund renovations, consolidate higher-interest debt into one lower payment, or put a down payment on an investment property. I'll weigh any prepayment penalty against the equity you'd unlock so you see the true break-even first.
Do you work with buyers who have bruised or limited credit?
Yes — this is where an independent broker adds real value over a single bank. Banks decline anyone outside their prime credit box. I have access to credit unions, trust companies and alternative lenders who serve buyers with recent credit challenges, discharged bankruptcies (typically 2+ years) or short Canadian credit histories. Rates are higher than prime, but in many cases we build a 12–18 month plan to strengthen your profile and refinance you onto a prime rate. I'll be transparent about every rate and fee up front.
What areas near Burnaby do you also serve?
Burnaby sits at the heart of Metro Vancouver, so it connects easily to my other markets. I regularly help buyers and owners in Coquitlam, Port Moody, Port Coquitlam, and back home in Maple Ridge. As a licensed BC mortgage broker there's no geographic restriction — wherever you're buying in the province, I can source the best financing from my network of 50+ lenders.
Tania Kalinich - Burnaby Mortgage Broker
Tania Kalinich
Your Burnaby Mortgage Broker
Serving Metro Vancouver since 2006. The Mortgage Centre — Right Way Mortgage. 50+ lenders, one trusted advisor.
4.9 rating (90 reviews)
Book Free Consultation Call (604) 376-4997
Serving Burnaby
Burnaby & Metro Vancouver
Available 7 days a week
Hours: Mon–Sun, 8AM–9PM
In-Person: Available by appointment
Virtual: Zoom consultations available
Why Clients Choose Tania
  • ✓ Independent — 50+ lenders, not one bank
  • ✓ Strata & pre-sale financing expertise
  • ✓ No broker fees on standard mortgages
  • ✓ Available evenings and weekends
  • ✓ 4.9-star Google rating, 90 reviews

Ready to Talk Mortgages With an Independent Burnaby Broker?

Available by phone, Zoom, or in person. Let's find you the best rate from 50+ lenders and get you into the home you deserve.

Also Serving

Nearby Communities

Coquitlam Port Moody Maple Ridge All Service Areas