How much house can you afford in Burnaby? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · 2026 stress test and CMHC rules
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings, RRSP Home Buyers' Plan, FHSA and gifts from family all count. Minimum: 5% of the first $500,000, 10% above that.
4.49% (a typical 5-year fixed, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
True North Mortgage
4.9 · 955 reviews · Free pre-approval
Get pre-approved →
Karista Mortgage
5.0 · 718 reviews · Free pre-approval
Get pre-approved →
The Mortgage Specialist Burnaby - Vancouver
5.0 · 135 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
True North Mortgage offers competitive rates and responsive service, helping clients navigate purchases and renewals with clear communication. The team provides mortgage financing and renewal assistance, with customers appreciating their professionalism and timely responses throughout the process. Some find the pace a bit slow, but overall the experience is smooth.
With over 47 years of combined experience, Karista Mortgage focuses on providing personalized, client-first mortgage advice that supports long-term financial growth. They assist first-time buyers, homeowners refinancing or consolidating debt, and real estate investors, offering clear guidance and ongoing support. Customers note the team’s responsiveness and thorough explanations throughout the… more...
With over 47 years of combined experience, Karista Mortgage focuses on providing personalized, client-first mortgage advice that supports long-term financial growth. They assist first-time buyers, homeowners refinancing or consolidating debt, and real estate investors, offering clear guidance and ongoing support. Customers note the team’s responsiveness and thorough explanations throughout the process.
Known for personalized mortgage guidance that adapts to individual financial goals, this team helps clients navigate home purchases and renewals with clear explanations and proactive updates. They focus on finding practical solutions, often uncovering options clients hadn’t considered. Some clients note the team can be busy but appreciate the responsive communication.
RTC Mortgage is known for clear communication and responsive support throughout the mortgage process. The team helps clients explore their options without pressure, making complex details easy to understand. Customers appreciate their professionalism and quick responses, though a few note occasional delays with paperwork.
Known for patient guidance and thorough knowledge, Renee Hamilton Mortgage Broker helps clients navigate mortgage options with care and clarity. The team assists with securing competitive rates and offers support throughout the approval process. Customers appreciate their responsiveness and willingness to accommodate individual needs.
Licensed since 2009, Johnny Hoang specializes in guiding first-time homebuyers and those seeking mortgage renewals or refinancing. The team handles everything from pre-approvals to debt consolidation, with clients appreciating their clear communication and patient support throughout the process. Some find the detailed steps require patience, but the overall experience is smooth and informative.
Known for guiding clients through complex mortgage situations with patience and clear communication, Costin Ionascu helps secure favorable rates and smooth transitions. The team works closely with multiple lenders to find options that fit individual needs, often providing support remotely for convenience. Clients appreciate the honest, transparent approach and thorough explanations throughout the… more...
Known for guiding clients through complex mortgage situations with patience and clear communication, Costin Ionascu helps secure favorable rates and smooth transitions. The team works closely with multiple lenders to find options that fit individual needs, often providing support remotely for convenience. Clients appreciate the honest, transparent approach and thorough explanations throughout the process.
An independent mortgage broker, Alison Rudover offers personalized mortgage advice by exploring options from a wide range of lenders. The team guides clients through buying, refinancing, or renewing mortgages with clear explanations and attentive support. Customers appreciate the responsive communication and straightforward process, though some note the many questions involved can require… more...
An independent mortgage broker, Alison Rudover offers personalized mortgage advice by exploring options from a wide range of lenders. The team guides clients through buying, refinancing, or renewing mortgages with clear explanations and attentive support. Customers appreciate the responsive communication and straightforward process, though some note the many questions involved can require patience.
Known for clear explanations and a personal approach, Ivan Matkovic helps clients navigate the mortgage process with transparency and care. The team offers mortgage advice, rate comparisons, and ongoing guidance, with many clients appreciating the thoroughness and reliability, though some note the process can take time due to detailed consultations.
EMC Mortgages Canada works primarily with first-time homebuyers, offering guidance through the mortgage process and helping clients understand their options. The team assists with purchase and renewal mortgages, though some customers have found communication inconsistent at times. Many appreciate the clear explanations and patience during what can be a complex experience.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | True North Mortgage | 4.9 | 955 | Free Consultation | (778) 654-7931 | Visit |
| 2 | Karista Mortgage | 5.0 | 718 | — | (604) 436-4600 | Visit |
| 3 | The Mortgage Specialist Burnaby - Vancouver | 5.0 | 135 | — | (778) 233-2377 | Visit |
| 4 | RTC Mortgage | 5.0 | 120 | Free Consultation | (604) 259-8559 | Visit |
| 5 | Renee Hamilton Mortgage Broker | 5.0 | 111 | Free Consultation | (604) 790-2544 | Visit |
| 6 | Johnny Hoang - Mortgage Broker | 5.0 | 103 | Free Consultation | (778) 838-1316 | Visit |
| 7 | Costin Ionascu, Mortgage Broker | 5.0 | 73 | — | (778) 388-8671 | Visit |
| 8 | Alison Rudover - Mortgage Broker | 5.0 | 68 | Free Consultation | (604) 616-9264 | Visit |
| 9 | Ivan Matkovic - Mortgage Advisor | 4.9 | 52 | Free Consultation | (604) 897-7977 | Visit |
| 10 | EMC Mortgages Canada | 4.6 | 48 | Free Consultation | (604) 739-0320 | Visit |
Lenders approve a mortgage when two ratios stay under their limits. Housing costs (mortgage payment, property tax and heating) must be no more than 39% of your gross income, and housing costs plus your other debt payments no more than 44%. The payment is tested at the qualifying rate, not your actual rate. The calculator finds the highest home price that passes both tests and the minimum down payment rules, and adds CMHC insurance to the loan when you put down less than 20%.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: CMHC homeowner mortgage loan insurance requirements and premiums, Finance Canada mortgage reforms effective December 15, 2024, OSFI minimum qualifying rate, 2025 municipal residential tax rates.
General information, not financial advice — consult a qualified professional.