5% down purchase
High-ratio insured for owner-occupied homes under $1.5M.
Richmond mortgage brokers who keep the numbers and details aligned
Whether you are buying a condo, comparing detached-home options, renewing, or sorting a refinance, we help you compare lender paths, plan the BC cash-to-close number, and choose a mortgage that still makes sense after closing.
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We’ll review your Richmond request and reply with the next best step.
Social proof
Borrower stories from Google
Verified Google reviews from clients who worked with the nearest Surrey Advisory Studio serving Richmond and the broader Lower Mainland team.
Craig Mihaychuk
Jun 2024
Google
5.0
Jessica was a pleasure to deal with at Pragmatic. She put in many extra hours in finding us the best mortgage to suit our needs. The whole team is extremely knowledgeable and so friendly, a true pleasure to work with.
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
Melody Gacad
Jan 2023
Google
5.0
They are so friendly and they helping you to get a good deal..the process is always on time..thank you so much Kyle Wilson and the whole team to helping us to make it happen..
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
Ken Bouchard
Sep 2022
Google
5.0
Amazing experience. Kyle is extremely knowledgeable, caring, and helpful. Truly a best-in-class service.
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
Sarah Schauerte
Sep 2021
Google
5.0
Kyle was super great in handling our case, being business owners for less than two years, he managed to get us in the door as far as mortgages go, he was always there to answer any questions and help explain things so we...
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
Vosh Lachance
Mar 2021
Google
5.0
Kyle is amazing!!! We were first time home buyer’s. We had very little clue to how it all works. He made the process so easy to follow, met with us on zoom during the pandemic. Was always there to answer our questions.(a...
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
Jenny Jones
Nov 2020
Google
5.0
Thank you Kyle for getting us approved of our first mortgage. Our file is so complicated that Kyle worked so hard to get us approved , even answered all my stupid questions anytime and responds quickly. He managed to get...
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
Maddie Johnson
Sep 2020
Google
5.0
Kyle and Jessica created such a family environment. They ensured we felt supported throughout the process. When it felt like there were some bumps in the road we couldn’t get past, Kyle was especially helpful in navigati...
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
Brittany Jeffries
Oct 2019
Google
5.0
Kyle was extremely helpful and very efficient. He had a couple different options for our mortgage within 24 hrs and continued to look for options for the next few days. His communication was amazing. We would definitely...
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
Christian hansen
May 2018
Google
5.0
Kyle is a pro. His company will take the lead and guide you through all the obstacles of financing your home. We had zero problems and got maximum results. He knows the real estate market well and has excellent contacts...
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
J V
Mar 2014
Google
5.0
I've known Kyle for years both personally and professionally - he will always give you his best! With his help we confidently purchased our first home and he was honest, patient, and resourceful throughout the process. W...
Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google
Reviews powered by Google.
Why Richmond borrowers start here
Richmond buyers often need a mortgage plan that respects the property type, the cash needed to close, and the real monthly number after closing.
Richmond buyers need a file that respects the property type
A condo, a townhouse, and a detached home can all carry very different lender questions. The right plan starts with what the property actually is.
The cash-to-close number can change quickly
When a Richmond purchase moves fast, the down payment is only part of the picture. We help you model the full cash requirement early so the offer feels cleaner.
Renewal and refinance decisions should serve the next chapter
The best answer is not always the lowest payment today. Sometimes it is better flexibility, cleaner penalties, stronger prepayment room, or a structure that fits your long-term plan.
Richmond context
Richmond often mixes condo decisions, higher-price detached homes, and sale-to-purchase timing.
Start with the Richmond move you are actually making
Choose the path that matches the decision in front of you, then move directly into the right planning lane.
Richmond mortgage planning that goes beyond rate shopping
Condo strata details, detached-home budgets, and high-cost purchase decisions all change the lending conversation.
Richmond has to start with property type+
A condo with strata rules, a townhouse, and a detached home can all push the lender conversation in different directions. The mortgage should be built around the actual property path rather than a one-size-fits-all assumption.
The real cash-to-close number matters more than the approval number+
BC closing costs, legal fees, inspection costs, property transfer tax where applicable, and moving expenses can change the picture fast. We build the full cash plan before the offer stage.
Strata details can matter as much as the rate+
If the purchase is a condo or townhouse, the lender story should account for the building, the docs, the fees, and the way the property will be used after closing.
High-cost purchases deserve a calmer cash-flow conversation+
Richmond buyers often care about the monthly number in a way that is tied to family cash flow, commuting, and whether the payment still feels sustainable a year later.
Renewal and refinance decisions should serve the next chapter+
The best answer is not always the lowest payment today. Sometimes it is better flexibility, cleaner penalties, stronger prepayment room, or a structure that fits your long-term plan.
Live pricing
See today’s mortgage options before you commit to one lender
Compare purchase, renewal, refinance, and equity scenarios without leaving the page, then go straight into the calculators that clarify the real decision.
20% down conventional
Bulk-insurable options for borrowers with lower LTVs.
Refinance & equity takeout
Conventional offerings for up to 80% loan-to-value.
Prefer to see the full tables? Use the explorer to compare lenders side by side.Explore all rates
More ways we help Richmond borrowers
Go deeper into the service path that fits your purchase, renewal, refinance, or cash-flow plan.
Whether the file is a condo in City Centre, a detached home in Steveston, or a higher-value move-up purchase, we help you compare lender paths before the offer becomes the pressure point.
Budget clarityClosing-cost planningTimeline fit
Meet the people behind your Richmond mortgage plan
You should know who you’re working with before you share a single document, and you should be able to reach the broker team in the way that suits you best.
Surrey Advisory Studio
Use the nearest Surrey Advisory Studio when you want to work through a Richmond condo, detached, or sale-to-purchase file in person or virtually.
We serve Richmond from our Surrey advisory studio and through phone and virtual appointments.
Nearest office: 15350 34 Ave Suite 301, Surrey, BC V3S 0L9
Hours: Mon–Fri 9:00–18:00 / Sat 10:00–14:00
Phone: +1 (778) 557-2144
Email: surrey@pragmatic.mortgage
Regulator: BC Financial Services Authority - X301089
Questions Richmond borrowers ask before they choose a broker
Why use a mortgage broker in Richmond instead of going straight to one bank?+
Because the best mortgage is not always sitting at the first place you ask. A broker helps you compare lenders, understand the trade-offs clearly, and choose the option that fits the property, the budget, and the goal.
What closing costs should I budget for in BC besides the down payment?+
Plan for property transfer tax when applicable, legal fees, inspection costs, appraisal when needed, moving costs, and any property-specific adjustments. The better move is to model the real cash-to-close number before you write offers.
Do condo and strata details matter when buying in Richmond?+
Yes. The building documents, fees, and property rules can affect both your own plan and the lender’s view of the file. It is worth confirming that early.
Can self-employed or variable income still qualify for a mortgage?+
Yes. The key is choosing the right lender path and preparing the documentation properly before the file goes live.
Can I switch lenders at renewal?+
Yes. Renewal is often the cleanest time to compare your current lender against the rest of the market before you sign.
Does refinancing make sense if I want better cash flow or faster payoff?+
Sometimes, yes, but only when the math works. We compare payment relief, penalty cost, long-term interest, flexibility, and the broader plan before recommending a refinance.
Let’s build the right Richmond mortgage plan
Let’s map the right next step for your Richmond mortgage
Start with the short secure form, a free call, or a virtual appointment with the Pragmatic team. We’ll review your goal, explain the numbers clearly, and recommend the next step that fits your budget, property, and timeline.
