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yes, you are eligible for loan

It's better for you to wait until July 5th and double check your everyone and if you passport or passports got expired earlier then you must have to write them a letter explaining the gap, otherwise your full application will come back in 3 weeks.

There are more immigrants in Burnaby than Surrey, you can't run...... Lol

so do you have problem with living around immigrants, immigrations are everywhere, you can't run and indeed you are an immigrant too.

There is not any best time to apply for visa, just go for it anytime and good luck

It will cost you a lot

Yes, Burnaby is good but there is not much commute you should live near Surrey central.