Terms of Use
First, the status of this page: it is a draft, and it still has to be reviewed by the compliance officer at my brokerage before it is final. Nothing here is legal advice. On that basis: by using this site you accept what follows. It comes down to one thing — the content here is general information meant to help you understand how things work. It is not advice on your situation and it is not a commitment to lend. What applies to you depends on your complete file and on a lender's decision.
Last updated 2026-08-12
What this site is, and what it is not
This site is general information: how qualifying is calculated, what the steps are, which documents are needed, and where files usually stall. It exists so that you know what you are talking about before you talk to anyone.
It is not advice for you. Your income structure, the source of your down payment, your credit history, the property, your timing — change any one of those and the answer can change. A web page cannot see any of it.
It is also not legal, tax or accounting advice. For those questions, speak to the appropriate licensed professional.
Content can go out of date. Rules, lender policies and government programs all change. The date shown is when the page was last updated.
Figures and examples
Every figure on this site — payments, amounts, costs, timelines — is illustrative. It is there to show how the math works, not to quote you.
Anything produced by a calculator or a table is an estimate. Real numbers come from a lender, run against your complete file and a specific property.
If an example happens to look close to your own situation, that is a coincidence. Do not use it as your number.
Nothing here is a commitment to lend
Nothing on this site is an offer of credit or a commitment to lend. I do not make approval promises on behalf of any lender.
All financing is on approved credit (O.A.C.) and is governed by the lender's written approval. Whether you are approved, for how much, and on what terms is the lender's decision, and it also depends on the property qualifying. Where mortgage default insurance is involved, the insurer has to agree as well.
No approval is guaranteed. What I can do is build your file properly, choose the right route, set the timing, and tell you honestly where it stands.
Only the formal documents you receive from a lender count. Discussions, estimates and verbal explanations before that are not something to rely on.
Who provides the regulated services
This site is my personal information site. The regulated services themselves are provided through the brokerages I am licensed with.
Mortgage brokerage services are provided through Dominion Lending Centres - A Better Way (0952130 B.C. Ltd.), 325A-20178 96 Ave, Langley, BC V1M 0B2, Independently Owned & Operated. Mortgage broker licence MB609900.
Real estate services are provided through Royal Pacific Realty (Kingsway) Ltd., 3107 Kingsway, Vancouver, BC V5R 5J9. Real estate licence 172540.
The service agreements and disclosure documents you sign are issued by the relevant brokerage, and those documents take precedence over anything written on this site.
External links
There may be links to government bodies, lenders or other third parties. They are there so you can check things for yourself, not as an endorsement of what is on the other end.
The content, accuracy and privacy practices of third-party sites are their responsibility and outside my control. Once you follow a link, their terms and their privacy policy apply.
Intellectual property
The text, layout and images on this site belong to me or to the respective rights holders, except where stated otherwise.
You are welcome to read it, print it and send someone a link. Please do not republish sections of it elsewhere or use it commercially without permission.
Company names and logos that appear here belong to their respective owners.
Limitation of liability, changes, and governing law
I make an effort to keep the content accurate and current, but I do not warrant that it is free of errors or omissions, or that the site is always available.
To the extent the law allows, I am not liable for losses arising from reliance on the general information on this site. Before you act, talk through your actual situation with me or another suitable professional. Nothing here excludes liability that cannot be excluded by law.
These terms may be updated. An updated version applies to visits from the time it is posted. The date at the top of the page is the last update.
This site and these terms are governed by the laws of British Columbia and Canada. The final wording of this section is subject to compliance officer confirmation.