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Most lenders advance to a combined loan-to-value of 80% on a primary residence, with some second-mortgage lenders going higher at higher rates. Given Vancouver property values, 80% LTV often unlocks a substantial amount even where the equity percentage is modest.
Appraisal, legal, and registration costs apply on a new charge. BC's Property Transfer Tax applies on a purchase and frequently runs to five figures given Vancouver property values. Refinancing existing equity avoids it, which makes it the cheaper route for most homeowners here.
