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How bridge loans work in BC: prime + 2-4% rates, the firm-sale rule, real costs on a Metro Vancouver move, and when a HELOC or subject-to-sale offer is a better fit.
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Your BC mortgage renewal is a negotiation, not a notice. Start at 6 months out to lock rate holds, shop lenders, and skip the stress test on a straight switch.
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CMHC mortgage insurance kicks in any time your down payment is below 20 percent. On a $1.1M Metro Vancouver condo at 10% down, the premium is $30,690 rolled into your mortgage. Here is how the 2026 rates work and the $1.5M insurable cap.
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