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Relta Real Estate, by Ray Rasouli

Ray Rasouli is a licensed REALTOR® with the Greater Vancouver board, providing clarity-first guidance for buyers and sellers. No pressure, no hype.

Built for rational decisions, transparent process, and practical next steps.

Ray Rasouli, REALTOR® · Real Broker B.C. Ltd.
500-666 Burrard Street, Vancouver, BC V6C 3P6
+1 (778) 910-6917 · ray@relta.ca
Relta Real Estate is a brand and software platform, not a brokerage. Real estate services are provided by Ray Rasouli, licensed with Real Broker B.C. Ltd.

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Home / Mortgage pre-approval in BC / Estimate your range

Estimated mortgage range · BC

What mortgage range could you qualify for?

Three quick questions turn your household income, monthly debts, and down payment into an estimated mortgage range at the federal qualifying rate. No credit check. Confirm your email to reveal your range.

Questions

3

Credit checks

None

Cost to you

$0

Lender documents

6

25%

What is your gross household income?

Use income before tax for everyone applying for the mortgage.

Annual household income

What happens after you get your estimate

  1. 01

    Answer three questions.

    Household income, monthly debt payments, and available down payment. One answer for each.

  2. 02

    Reveal your estimated range.

    See the mortgage range your income and debts could support, plus the down payment you already have.

  3. 03

    Get connected to a mortgage broker.

    An independent mortgage broker receives your answers and contacts you to verify the numbers, review your documents, and arrange the pre-approval with a lender. You are never obligated to proceed.

The document checklist a BC lender asks for

The list is short and the same lender will ask for it twice. Having it assembled before the first call is the single thing that moves a pre-approval along fastest.

Everyone

  • Government photo identification.
  • Ninety days of history on the account holding your down payment.
  • A written explanation and paper trail for any large deposit in that window.
  • A list of your debts: balances, minimum payments, and limits.
  • Your Social Insurance Number, for the credit check.

If you are salaried or hourly

  • A recent letter of employment stating position, salary, and start date.
  • Your two most recent pay stubs.
  • Your two most recent T4 slips and Notices of Assessment.

If you are self-employed or paid on commission

  • Two years of T1 Generals with the full statement of business activities.
  • Two years of Notices of Assessment.
  • Business registration or articles of incorporation.
  • Confirmation that personal and business taxes are paid up to date.

If part of the down payment is a gift

  • A signed gift letter from the immediate family member providing it, stating the money is a gift and not a loan.
  • Proof the funds have landed in your account.

The full process, what a pre-approval does not lock in, and the per-city numbers are on how to get pre-approved for a mortgage in BC. Want the payment on a specific price? Run your numbers through the stress test at the qualifying rate.

Ray Rasouli is a licensed REALTOR® with Real Broker B.C. Ltd. and is not a mortgage broker or a lender. Nothing on this page is financial advice, a rate quote, or an offer of credit.