How much house can you afford in Richmond? 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 |
|---|
Guaranti Mortgages Corporation 温顶贷款
4.9 · 134 reviews · Free pre-approval
Get pre-approved →
Joshua Borenstein Mortgage Broker
4.9 · 105 reviews · Free pre-approval
Get pre-approved →
Kelly Hudson Mortgages
5.0 · 100 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 →
Guaranti Mortgages Corporation 温顶贷款 offers professional mortgage brokerage services with a patient and knowledgeable team. They assist clients through the entire loan process, answering questions clearly and making the experience smooth and straightforward. Customers appreciate the team’s helpful approach and expertise.
Known for providing professional, unbiased mortgage advice, Joshua Borenstein Mortgage Broker offers access to a wide range of lenders across Canada. The team assists with everything from first-time home purchases to refinancing and home equity solutions, often guiding clients through complex portfolios with clear explanations. Customers appreciate their responsiveness and thorough support… more...
Known for providing professional, unbiased mortgage advice, Joshua Borenstein Mortgage Broker offers access to a wide range of lenders across Canada. The team assists with everything from first-time home purchases to refinancing and home equity solutions, often guiding clients through complex portfolios with clear explanations. Customers appreciate their responsiveness and thorough support throughout the process.
Known for its focus on client education, Kelly Hudson Mortgages helps individuals and families across British Columbia understand mortgage options beyond just interest rates. The team offers services including first-time homebuyer guidance, refinancing, and investment property mortgages, with clear explanations that many clients find reassuring throughout the process.
Known for clear communication and a client-first approach, Dennis Wong Mortgage Broker guides borrowers through the mortgage process with patience and responsiveness. The team helps with mortgage approvals and finding competitive offers, often easing the experience for first-time buyers. Customers appreciate the supportive, no-pressure service throughout.
Known for helping clients navigate complex mortgage situations with clear explanations and quick responses, Stanley Yu Mortgages Inc. - Fanson Capital Group specializes in mortgage renewals and finding competitive lender options. The team works closely with customers to address questions and secure suitable rates, making the process straightforward and accessible.
With over twenty years of experience and an Accredited Mortgage Professional credential, Allan Seltzer and his team offer personalized mortgage solutions from a network of more than 40 lenders. They assist with first-time purchases, renewals, refinancing, self-employed mortgages, and private lending, guiding clients clearly through each step. Customers appreciate their patience, clear… more...
With over twenty years of experience and an Accredited Mortgage Professional credential, Allan Seltzer and his team offer personalized mortgage solutions from a network of more than 40 lenders. They assist with first-time purchases, renewals, refinancing, self-employed mortgages, and private lending, guiding clients clearly through each step. Customers appreciate their patience, clear communication, and thorough support throughout the process.
Known for clear communication and prompt responses, this mobile mortgage specialist helps clients navigate home financing with ease. The team offers personalized mortgage advice, renewal assistance, and thorough explanations of options and terms. Customers appreciate the attentive, reliable service that keeps the process smooth and understandable.
Known for guiding first-time homebuyers through the mortgage process with clear explanations and attentive support, AMP- Chad Oyhenart Dominion Lending Centres offers personalized mortgage advice and competitive rate options. The team is responsive and thorough, helping clients navigate complex details, though some may find the process intensive due to its careful pace.
Known for combining mortgage brokerage with real estate expertise, this personal real estate corporation offers services ranging from mortgage financing to property buying and selling. The team is responsive and knowledgeable, often using tools like 3D virtual tours to assist clients. Customers appreciate clear communication and professional support throughout the process.
Riverside Mortgage Group focuses on educating clients to navigate the complexities of mortgage products and lender options. Their licensed brokers assist with purchases, renewals, and credit-challenged situations, providing patient guidance throughout the process. Customers appreciate their knowledgeable support and responsiveness, though some note the process can require patience.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Guaranti Mortgages Corporation 温顶贷款 | 4.9 | 134 | — | (778) 297-7450 | Visit |
| 2 | Joshua Borenstein Mortgage Broker | 4.9 | 105 | — | (778) 386-0880 | Visit |
| 3 | Kelly Hudson Mortgages | 5.0 | 100 | Free Consultation | (604) 312-5009 | Visit |
| 4 | Dennis Wong Mortgage Broker | 4.9 | 97 | Free Consultation | (604) 218-3117 | Visit |
| 5 | Stanley Yu Mortgages Inc. - Fanson Capital Group | 5.0 | 91 | Free Consultation | (778) 883-9336 | Visit |
| 6 | Allan Seltzer Mortgage broker | 5.0 | 85 | Free Consultation | (604) 202-7114 | Visit |
| 7 | Karyn Wong - Mobile Mortgage Specialist | 5.0 | 68 | Free Consultation | (778) 829-0327 | — |
| 8 | Richmond BC Mortgage Broker, AMP- Chad Oyhenart Dominion Lending Centres | 5.0 | 42 | Free Consultation | (604) 272-1784 | — |
| 9 | Mortgage Broker and Realtor Alan Ka Wing Ma Personal Real Estate Corporation | 5.0 | 12 | $100 | — | — |
| 10 | RIVERSIDE MORTGAGE GROUP - Bryan & Tracy Johnstone Mortgage Team | 5.0 | 4 | — | (604) 274-9000 | 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.