Service area
Oak Bay Mortgage Broker
Licensed province-wide across BC, so Oak Bay is covered the same way. Everything runs by phone and video — no trip required.
Last updated 2026-09-01
Based in the Lower Mainland — does this work for Oak Bay?
Yes. A mortgage broker licence in BC is provincial (mine is #MB609900), not city by city.
The process was never built around meeting in person — the application is online, documents go by email or a secure upload link, and most paperwork can be e-signed remotely. The few documents that need a witness get signed with a local lawyer or notary near you, no trip required.
Plenty of Lower Mainland clients finish the whole process without meeting in person either. Oak Bay works the same way.
Oak Bay, specifically
Oak Bay's population is about 19,000, and it's the community in the Victoria area best known for its English-village feel — an old-money golf course, Oak Bay Marina, and the large heritage homes and garden-lined streets of the Uplands neighbourhood. Both home prices and the average age here run higher than the regional norm.
For real estate I'd point you to an agent based on the island; the mortgage licence is provincial, documents go digital, and most signing happens remotely.
Common questions
You are not local to Oak Bay — can I still reach you if something comes up?
Contact and response times are the same no matter where you are: (604) 727-1629, Monday–Saturday 9am–7pm for a same-day reply, otherwise the next business slot.
Since the property is outside the Lower Mainland, do I need a broker based in Oak Bay instead?
Not necessarily. The licence is provincial and most lenders do not underwrite based on where the broker sits. Whether remote makes sense for your situation is a ten-minute call.
Ten minutes tells you where you land
No credit check in the first step, and nothing to prepare first.
✆(604) 727-1629