Normally, a buyer may not be able to get it if he/she has mortgage. The bank will hold the title of the house till the buyer pays it off..
That is correct: you can get 房产证 only after you paid off the mortgage. You can get it from BC government at a cost of $45, as I know.
"State of Title Certificate - is an official document obtained from the Land Title Office which confirms the state of the title to a property at a point in time. A State of Title Certificate is obtained after the Seller's Mortgage is discharged from the title."