How much house can you afford in Victoria? 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 |
|---|
Auxilium Mortgage CorporationVerified
5.0 · 270 reviews · Free pre-approval
Get pre-approved →
Prime Mortgage Works - Callum GreigVerified
4.9 · 100 reviews · Free pre-approval
Get pre-approved →
Mike Grace Mortgages - Mortgage Broker in Victoria, BC
5.0 · 191 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 →
Auxilium Mortgage Corporation focuses on finding mortgage solutions that fit your lifestyle and long-term financial goals. The team offers services for first-time buyers, refinancing, and unique property types, providing clear explanations and personalized options. Clients appreciate their responsiveness and willingness to guide through complex situations with patience and professionalism.
Prime Mortgage Works offers independent mortgage advice with access to a wide range of lenders, helping clients find options that suit their needs. The team guides first-time buyers and those renewing mortgages through each step, providing clear explanations and timely responses. Customers appreciate their knowledge and calm approach, especially in a challenging market.
Mike Grace Mortgages specializes in securing competitive mortgage rates with clear, straightforward advice for Vancouver Island homebuyers. The team guides clients through everything from first mortgages to renewals, often praised for their responsiveness and support during complex or lengthy processes. Some clients note occasional slow lender responses, but appreciate the proactive solutions… more...
Mike Grace Mortgages specializes in securing competitive mortgage rates with clear, straightforward advice for Vancouver Island homebuyers. The team guides clients through everything from first mortgages to renewals, often praised for their responsiveness and support during complex or lengthy processes. Some clients note occasional slow lender responses, but appreciate the proactive solutions offered.
Known for securing competitive mortgage rates without pressure, Olympic Mortgage Corporation supports homebuyers through complex and tight market conditions. Their team offers thorough guidance on mortgages, market trends, and financing options, with clients appreciating clear communication and patience throughout the process. Occasionally, the detailed approach means decisions take time, but… more...
Known for securing competitive mortgage rates without pressure, Olympic Mortgage Corporation supports homebuyers through complex and tight market conditions. Their team offers thorough guidance on mortgages, market trends, and financing options, with clients appreciating clear communication and patience throughout the process. Occasionally, the detailed approach means decisions take time, but customers value the careful support.
With over fifteen years of experience negotiating directly with lenders, Ned Boniface Mortgages offers clear insights and impartial expertise on mortgage financing. The team assists with home purchases, refinancing, and paying off mortgages, with clients appreciating their responsiveness and straightforward communication. Some find the process challenging due to the current market, but the team’s… more...
With over fifteen years of experience negotiating directly with lenders, Ned Boniface Mortgages offers clear insights and impartial expertise on mortgage financing. The team assists with home purchases, refinancing, and paying off mortgages, with clients appreciating their responsiveness and straightforward communication. Some find the process challenging due to the current market, but the team’s support helps ease these concerns.
Specializing in personalized mortgage services, Andrew Wade Mortgage Broker focuses on guiding clients through home financing and renovation loans with clear, patient communication. The team offers one-on-one support, answering questions promptly and helping navigate options, which clients find reassuring even during complex or stressful moments.
Known for guiding clients through complex mortgage challenges, this broker specializes in home purchases, refinancing, and equity takeout loans. The team is praised for clear communication, responsiveness, and persistence in securing approvals, even under tight deadlines. Some clients note the process can be lengthy when multiple hurdles arise.
Specializing in helping clients rebuild or start credit, Miller Mortgages LTD offers personalized mortgage brokering with a focus on financial security and home ownership. The team provides clear communication and attentive support throughout the process, with many customers appreciating their patience and professionalism. Some note that close attention is needed near closing, but overall the… more...
Specializing in helping clients rebuild or start credit, Miller Mortgages LTD offers personalized mortgage brokering with a focus on financial security and home ownership. The team provides clear communication and attentive support throughout the process, with many customers appreciating their patience and professionalism. Some note that close attention is needed near closing, but overall the experience is smooth.
Victoria Mortgage Experts - TMG The Mortgage Group specializes in finding flexible home mortgage solutions beyond standard bank offerings. The team assists with buying, refinancing, and renewing mortgages, tailoring options to individual needs. Customers appreciate their clear communication and knowledgeable, patient guidance throughout the process.
Specializing in independent mortgage advice, The Mortgage Group - Andy Vickers helps clients find financing options that fit their unique needs without being tied to any lender. The team offers thorough mortgage searches and clear communication throughout the process, with clients appreciating their responsiveness and expertise, though some note the fast pace can feel intense.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Auxilium Mortgage Corporation | 5.0 | 270 | — | (250) 590-6520 | Visit |
| 2 | Prime Mortgage Works - Callum Greig | 4.9 | 100 | $100 | (250) 708-2063 | Visit |
| 3 | Mike Grace Mortgages - Mortgage Broker in Victoria, BC | 5.0 | 191 | Free Consultation | (250) 858-8564 | Visit |
| 4 | Olympic Mortgage Corporation | 4.9 | 100 | Free Consultation | — | Visit |
| 5 | Ned Boniface Mortgages. DLC. Modern Mortgage Group | 5.0 | 79 | Free Consultation | (250) 812-8631 | Visit |
| 6 | Andrew Wade Mortgage Broker | 4.9 | 74 | Free Consultation | (250) 886-1959 | Visit |
| 7 | Jennifer Harder - Mortgage Broker | 5.0 | 68 | Free Consultation | (250) 595-8431 | Visit |
| 8 | Miller Mortgages LTD | 5.0 | 64 | Free Consultation | (250) 858-8489 | Visit |
| 9 | Victoria Mortgage Experts - TMG The Mortgage Group | 5.0 | 61 | Free Consultation | (877) 400-1473 | Visit |
| 10 | The Mortgage Group - Andy Vickers | 4.9 | 36 | Free Consultation | (250) 507-0566 | 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.