A BC mortgage broker is an independent agent that communicates directly with the BC mortgage lender. Traditionally, banks and other lending institutions have their own products. Because BC mortgage rates has become more competitive, the role of the mortgage broker has become more popular. BC Mortgage brokers today offer more deals then banking representative and are now the largest client sources for lenders. Because every individual is different, a mortgage broker will examine multiple packages to find the best mortgage product suits your individual circumstances.