Business Details
21 Years
experience
Expert Mortgage Brokers in British Columbia
West Coast Mortgages, part of Dominion Lending Centres, has been serving British Columbia since 2005 with expert mortgage solutions. Our team, led by Broker Owners Jamie Moi and Michelle Chandra, brings over 25 years of combined experience in mortgage and real estate industries. As independent brokers, we work exclusively for clients, not banks, offering access to 30+ major lenders across Canada. Our services span mortgage pre-approvals, home purchase financing, refinancing, reverse mortgages, and specialized programs for first-time buyers, self-employed individuals, and new Canadians. We prioritize personalized service, handling all mortgage details to eliminate the need for clients to compare lenders individually.Our commitment extends beyond initial transactions, providing ongoing support throughout homeownership. We act as trusted advisors, offering guidance on mortgages, real estate, property taxes, and insurance. Recognized with the Diamond Award for excellence, we serve Langley, Chilliwack, Surrey, Abbotsford, Mission, Vancouver, and all BC regions. Our goal is to make homeownership accessible and stress-free, believing it is a cornerstone of financial security. With a 98% client recommendation rate, we combine fast approvals, competitive rates, and industry-low fees to deliver exceptional value.
Services
Mortgage Pre-Approval
Home Purchase Financing
First Time Buyers
Self-Employed Mortgages
Mortgage Renewals
Reverse Mortgages
Debt Consolidation
Mortgage Refinancing
Investment Properties
Credit Improvement
Details
- Year established: 2005
Highlights and features
- We offer 24/7 personalized mortgage support with no credit check required
- Our team has 25+ years combined experience in mortgage and real estate industries
- We work with 30+ major Canadian lenders to find your best mortgage match
- We provide fast approvals in as little as 24 hours with competitive rates
- Our Diamond Award-winning service includes ongoing support throughout homeownership
What people say
Exceptional service
Knowledgeable team
Stress-free process
Personalized support
Competitive rates
Services
Mortgage Pre-Approval
Our mortgage pre-approval process helps BC homebuyers understand their purchasing power with no credit check required. We guide clients through documentation requirements and provide rate guarantees for 60-120 days. This service enables informed house hunting with clear budget parameters while maintaining flexibility for changing market conditions.
Home Purchase Financing
We specialize in customized financing solutions for first-time buyers, move-up purchasers, and investment property investors across British Columbia. Our team navigates complex lending requirements to secure competitive rates while explaining all mortgage components including down payment options, insurance requirements, and closing cost considerations.
Self-Employed Mortgages
Our experts work with Canadian lenders that understand self-employment income complexities. We help business owners qualify for mortgages by properly documenting non-traditional income streams while explaining specialized lending criteria and documentation requirements specific to self-employed applicants.
Mortgage Renewals
We analyze current mortgage terms and market conditions to secure optimal renewal rates across BC. Our service includes comprehensive rate comparisons, penalty calculations for early termination, and negotiation of improved terms while explaining all available mortgage product features and options.
Reverse Mortgages
We provide reverse mortgage solutions for Canadian homeowners aged 55+ seeking to access home equity without monthly payments. Our service explains eligibility requirements, interest accumulation mechanisms, and impact on estate planning while comparing available products from multiple lenders.
People
Jamie Moi
Head of Underwriting Mortgage Broker/Owner
With over 15 years in mortgage brokering, Jamie specializes in complex mortgage solutions. She holds advanced certifications in mortgage underwriting and has helped thousands of BC residents achieve homeownership through innovative financing strategies.
Michelle Chandra
Business Development Mortgage Broker/Owner
Michelle brings 12 years of mortgage expertise with specialization in new construction financing. She maintains relationships with major Canadian lenders to secure exclusive rate offerings while focusing on client education throughout the mortgage process.
Kelly Sloan
Client Services Manager
With a decade of mortgage industry experience, Kelly manages client relations and post-funding support. She ensures seamless communication between clients and lenders while maintaining compliance with Canadian mortgage regulations and disclosure requirements.
Questions
How much can I afford to pay for a home?
Calculate 39% of your taxable income for housing costs and 44% minus debt payments. The lower amount indicates your affordable range, considering both lender guidelines and personal financial comfort.
What is a home inspection and should I have one done?
A home inspection evaluates property condition including structural components and systems. We recommend inspections to identify potential issues before purchase, providing critical information for your buying decision.
What is the minimum down payment needed for a home?
Minimum 5% down payment is required with mortgage insurance for amounts over 80% loan-to-value. You must also cover closing costs like legal fees and appraisal expenses.
How can I pay off my mortgage sooner?
Accelerated payment schedules, principal prepayments, double-up payments, and shorter amortization periods at renewal can significantly reduce mortgage term and interest costs.
Can I use RRSP funds for a down payment?
Yes, through the Home Buyers Plan you can withdraw up to $35,000 from RRSPs tax-free for first-time home purchases, with repayment required over 15 years starting two years after purchase.
Should I wait for my mortgage to mature?
Lenders often guarantee rates up to 120 days before maturity. We recommend exploring renewal options early to secure optimal rates while maintaining flexibility for changing market conditions.
