5★on Google Fast responses, apply instantly
604-330-0107 hello@mortgageswithsyd.ca Client Login
Mortgages with Sydney Young
Mortgage Services

Mortgage Services for What's Next

First place, renewal, equity, or a commercial building. However you got here, it starts the same way. You apply once, and your file goes to top lenders so they compete for you.

Book Mortgage Consultation or start your free mortgage assessment
Bright interior of a BC home
Work with Sydney

Four Ways to Help

New homeowner holding the keys to a first home
From
5% down
01
For first-timers

First-Time Buyers

Your first mortgage, explained without the jargon. From what you can genuinely afford to the incentives most buyers walk right past.

5% down options & the BC sliding scale
First Home Savings Account & HBP
Property transfer tax exemptions
Explore First-Time Buyers →
Planning a renovation at the kitchen table
Access up to
80% LTV
02
For homeowners

Refinancing

Put the equity you've built to work. Renovate, retire expensive debt, or fund your next move, all at mortgage rates instead of credit-card ones.

Access up to 80% of your home's value
Consolidate high-interest debt
Break-even math before you switch
Explore Refinancing →
Reviewing a mortgage renewal letter at home
Start
~120 days out
03
For renewing

Renewals

That renewal letter from your bank is an opening offer, not your best rate. It gets shopped against the whole market before you sign a thing.

Start ~120 days before renewal
Compare staying vs switching lenders
Often just an e-signature to move
Explore Renewals →
Reviewing the numbers on a commercial property
Built for
multi-unit
04
For investors

Commercial

Financing for multi-unit, mixed-use, and owner-occupied business space, with the lenders who actually do these deals and know how to move quickly.

Multi-family & mixed-use buildings
Owner-occupied commercial space
Rental & investment portfolios
Explore Commercial →