A working realtor's plain guide to pulling money out of your Vancouver home in 2026. How a home equity line and a refinance each work, what they cost, when a HELOC wins, and the real risks in a higher-rate market.
A vendor take-back mortgage lets the seller finance part of the price. In a slower market it can close deals that would otherwise stall. A working realtor's honest guide to how a VTB works in Vancouver, the risks for both sides, how it sits behind a first mortgage, and why you need a lawyer.
In a higher-rate market, taking over a seller's low-rate mortgage can save a buyer real money and help a seller stand out. A working realtor's honest guide to how assuming a mortgage works in Vancouver, lender qualification, the pros and cons for each side, and the limits.