How much down payment do I need in Vancouver?

In BC, the minimum down payment is 5% for homes under $500,000. For homes between $500K–$999,999, it's 5% on the first $500K and 10% on the remainder. Homes $1M+ require 20% minimum.

Can self-employed buyers get a mortgage in Vancouver?

Yes. Self-employed borrowers can qualify through stated income programs or by using T1 generals and NOAs. We specialize in self-employed mortgage solutions across Greater Vancouver.

What is a private mortgage?

A private mortgage is funded by private investors rather than a bank. It's ideal for borrowers who don't qualify for traditional financing — including those with credit issues, non-traditional income, or unique properties.

How long does mortgage approval take in BC?

Pre-approvals can often be completed within 24–48 hours. Full approvals typically take 3–5 business days depending on lender and documentation.

Does using a mortgage broker cost me anything?

In most cases, no. Mortgage brokers are compensated by the lender, not the borrower. There are no direct fees to you for standard residential mortgages.

What areas in Metro Vancouver do you serve?

We serve all of Greater Vancouver including Vancouver, Burnaby, Richmond, Surrey, North Vancouver, West Vancouver, Coquitlam, New Westminster, and Langley.

Private & Commercial Mortgage Specialist

I'll Get Your
Mortgage Funded.

When the bank says no, Sasha finds a way. Private lending, commercial mortgages, and self-employed solutions for complex files — structured to close, and designed to move fast.

Get Pre-Approved Do I Qualify?

50+

Lenders

5★

Star Rating

24hr

Pre-Approval

"I understand the complexities of the mortgage market and am here to guide you every step of the way."

Call Directly 604.488.4434

"I am here to alleviate your frustrations and turn your dreams into keys." — Sasha Idema • Vancouver Mortgage Broker

Trusted

BCFSA Lic. #154371

50+ Lenders

5 Star Rating

Mon–Sat 8am–8pm

About Sasha

Struggling to Find the Right Mortgage Solution?

Navigating Vancouver's real estate market is complex. Whether you are a first-time buyer in North Vancouver, an investor refinancing in Richmond, or a self-employed professional in Yaletown, I bring deep expertise in the Metro Vancouver lending landscape to every client relationship.

I specialize in assisting individuals and investors in the private, commercial, and industrial sectors secure mortgages that align with their goals and financial aspirations — including clients other brokers turn away.

No Deal Too ComplexPrivate & alternative lending solutions

50+ Lending PartnersBanks, credit unions & private lenders

No Cost to YouBroker fees paid by lender, not you

Same-Day ResponseMon–Sat, 8am–8pm Pacific

What I Offer

Navigate the Canadian Mortgage Market with Confidence

From first-time buyers to complex commercial files — private, self-employed, and specialty mortgage solutions tailored to every situation across Canada.

Home Purchase

Financing your dream home anywhere in Canada. Competitive rates from 50+ lenders.

Mortgage Refinancing

Access your home equity, reduce your rate, or consolidate debt. Smart refinancing strategies anywhere in Canada.

Mortgage Renewal

Don't auto-renew with your current lender. I shop across 50+ lenders at renewal to make sure you always have the best available rate.

Investment Property

Rental properties, multi-family units, commercial acquisitions. Structured financing for real estate investors anywhere in Canada.

Self-Employed Mortgages

Stated income and alternative documentation programs for entrepreneurs, contractors, and incorporated professionals — across Canada.

First-Time Home Buyer

Guiding first-time buyers through every step — FHSA, FHBP, CMHC insurance, and the full path to keys in hand, anywhere in Canada.

Mortgage Calculator

Calculate Your Mortgage Rate

Estimate your monthly payment in seconds. For a personalized rate quote tailored to your specific situation, contact Sasha directly.

Get a Personalized Quote

Purchase Price $900,000

Down Payment $180,000 (20%)

Interest Rate 5.09%

Amortization Period

Estimated Monthly Payment

$3,842

Principal + Interest only • Estimate only

How It Works

Your Path to Approval

A streamlined, transparent process designed around your timeline — from initial application to closing day in Greater Vancouver.

Apply Online

Complete our secure application in minutes. No obligation, no credit pull until you're ready to proceed.

Review & Strategy

I assess your situation, identify the right lenders, and present you with a tailored mortgage strategy.

Approval

I negotiate with lenders on your behalf to secure the best available rate and terms for your situation.

Close & Celebrate

Sign, fund, and get your keys. I'm with you every step — and here for renewals and referrals for life.

Client Stories

My Clients Are the Heartbeat of My Success

"A true professional and solution provider. Sasha was extremely proactive, went above and beyond in helping us secure our financing. I would definitely recommend her to friends and family."

Tina & James Heart

Greater Vancouver, BC

"Sasha Idema is super professional and went out of her way to make this happen for my partner and I. They looked at all possible options and fulfilled our dream of buying a house."

Mary van den Reich

Metro Vancouver, BC

"Sasha didn't give up until she found the best solution for our mortgage needs. We are so thankful — we ended up purchasing our dream home when we thought it wouldn't be possible."

Paul & Susan Taylor

Lower Mainland, BC

FAQ

Common Vancouver Mortgage Questions

Have a question not covered here? I'm available Monday to Saturday, 8am to 8pm to talk through your specific situation.

Ask Sasha Directly

In BC, the minimum down payment is 5% for homes under $500,000. For homes between $500K and $999,999, it's 5% on the first $500K and 10% on the remainder. Homes priced at $1M or more require a minimum 20% down payment.
Absolutely. Self-employed borrowers can qualify through stated income programs or by providing T1 generals and NOAs. I specialize in self-employed mortgage solutions across Greater Vancouver and have access to lenders who understand non-traditional income structures.
A private mortgage is funded by private investors rather than a bank or credit union. It's ideal for borrowers who don't qualify for traditional financing — including those with credit challenges, non-traditional income, or unique property types.
Pre-approvals can often be completed within 24 to 48 hours. Full approvals typically take 3 to 5 business days depending on the lender and documentation provided. I work quickly to keep your offer competitive in Vancouver's market.
In most cases, no. Mortgage brokers are compensated by the lender, not the borrower. There are no direct fees to you for standard residential mortgages. If a fee applies (such as for certain private lending scenarios), I will always disclose this upfront.
I serve all of Greater Vancouver including Vancouver (all neighbourhoods), Burnaby, Richmond, Surrey, North Vancouver, West Vancouver, Coquitlam, New Westminster, and Langley. Remote clients across BC are also welcome.

Get in Touch

Start Your Journey Toward Your Dream Property

Ready to explore your options? I'm available Monday to Saturday, 8am to 8pm Pacific. Reach out and I'll respond the same day.

604.488.4434

200-100 Park Royal S.
Vancouver, BC V6B 2Y5

sasha@sashaidema.ca

I'll Get YourMortgage Funded.