Lending Areas

If your client would like to use commission, overtime or bonuses as declared income, they’ll need to present:

  • Last 2 years personal NOA. Use an average of line 150 income.
  • For declining income, the lesser of the 2 years must be used
  • A current year to date pay stub (within last 30 days) or direct deposit to support average income used
  • Confirmation that no more than $1,500 is owing in taxes


  • Metro Vancouver except Bridgeview in Surrey
  • Fraser Valley up to and including Chilliwack
  • Greater Victoria Region (“GVR”) and North along the Trans-Canada Highway to Nanaimo
  • Parksville
  • Qualicum
  • Courtenay
  • Comox
  • Campbell River
  • Port Alberni
  • Powell River
  • Kelowna including West Kelowna and Lake Country
  • Vernon
  • Penticton
  • Kamloops
  • Prince George
  • Fort St John
  • Terrace
  • Quesnel
  • Williams Lake
  • Cranbrook
  • Kitimat
  • Nelson


  • Resort Municipality of Whistler including Squamish
  • Pemberton
  • Bowen Island
  • Salt Spring Island
  • Sunshine Coast
  • North along Island Highway from Victoria to Courtenay/Comox excluding cities in the Primary Lending Areas
  • Summerland
  • Peachland

Contact us.
For more information, email our Broker Centre.
Toll-free fax: 1.866.399.8080