EZtoFind.ca — Free BC Real Estate Information & Property-Search Platform

An information and property-search site by Doug LeMaire, REALTOR® of Fraser Property Management Realty Services Ltd. Search the live CREA DDF® MLS® feed, browse 240 British Columbia community profiles, and get instant answers from Doogie — an educational guide backed by 439 statute-cited glossary entries.

Practice areas & referral policy: Doug LeMaire personally represents transactions in Greater Vancouver, the Fraser Valley, and the Sea-to-Sky Corridor (to Whistler). Community pages and glossary content are published province-wide for research and education, but any consumer viewing a page outside those areas (Interior BC, Vancouver Island, Northern BC, the Kootenays, the Okanagan, etc.) is served by referral only through Doug's network of licensed BC REALTORS® on the appropriate local board (VIREB, IAR, KAR, BCNREB, CADREB). Doug does not personally transact real estate outside his stated practice areas. Request an out-of-area referral.

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Frequently Asked · Financing

What credit score do I need to buy a house in BC?

The mortgage-approval floor for major lender categories

There's no single BC minimum, but Canadian mortgage lenders group credit scores into tiers. Here's the practical floor for each mortgage category.

Insured mortgages (< 20% down) — CMHC / Sagen / Canada Guaranty

Practical minimum: 680 for A-lenders. Below 680 you'll need a co-applicant or move to a B-lender.

Conventional mortgages (≥ 20% down) — A-lenders

Practical minimum: 660. Some A-lenders will go to 620 with strong income + employment history.

B-lender mortgages (Home Trust, Equitable Bank, etc.)

Practical floor: 550. Higher interest rate (typically prime + 1.5–3%). Common for self-employed borrowers or 600–680 credit scores.

Private mortgages

No credit-score floor — private lenders underwrite equity/location instead. Interest 8%–15%. Typically used for short-term bridge or when institutional financing falls through.

How to improve fast

Pay every credit-card balance below 30% of the limit. Never miss a payment. Don't apply for new credit within 6 months of mortgage application. Speak with a licensed mortgage broker.

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Educational information only — not legal, tax, financial, or real-estate advice. Doug LeMaire, REALTOR® · BCFSA #167790 · Fraser Property Management Realty Services Ltd. Not intended to solicit or induce an agreement already in place.