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09:00 - 19:00

Monday to Saturday

Address

Greater Vancouver

and BC Interior

Blog

Debt Consolidation

March 28, 2023

March 28, 2023

March 28, 2023

If you’re looking to buy a home, consider taking advantage of your mortgage by repositioning some of your existing debts that you currently have.

Refinancing Your Mortgage

February 14, 2023

February 14, 2023

February 14, 2023

Having a plan and future goals are so important when it comes to refinancing your mortgage. Managing your way through the mortgage process without...

Should You Pay CMHC Insurance To Lower Your Mortgage Rate?

January 24, 2023

January 24, 2023

January 24, 2023

We all hope for the lowest mortgage rate possible when securing a mortgage. Shopping for a rate isn’t as cut and dry as it used to be, and it...

7 Tips When Purchasing An Investment Property

December 20, 2022

December 20, 2022

December 20, 2022

The purchase of an investment property is a great way to make extra income. There are some people who focus solely on investment properties to fuel...

How to Protect Yourself at Renewal

November 8, 2022

November 8, 2022

November 8, 2022

Recent statistics show that a large majority of people hold the belief that you're somehow obligated to renew with your current mortgage provider...

Your Winter Checklist

October 18, 2022

October 18, 2022

October 18, 2022

Is your home ready for the upcoming Canadian winter? Maintaining your home is an important factor to protect one of your largest investments.

9 Important Aspects For Acquiring A Mortgage In Canada

September 6, 2022

September 6, 2022

September 6, 2022

A mortgage may be one of the largest purchases you make in your lifetime so let’s make that decision with planning, knowledge and experience.

How Different Types Of Debt Affect Your Mortgage Approval

August 16, 2022

August 16, 2022

August 16, 2022

Lenders look at how you manage your current debt, but they do not view all debts equally. Not including mortgages, the average Canadian...

Renewal vs Refinance

June 14, 2022

June 14, 2022

June 14, 2022

There are many misconceptions when it comes to the knowledge surrounding mortgage renewal and mortgage refinance. A renewal is when the lender...

Porting Your Mortgage

May 24, 2022

May 24, 2022

May 24, 2022

Relocating from one residence to another is a hectic part of any house owner's life. Regrettably, the expense of breaking your mortgage contract...

How To Avoid A Mortgage Approval

May 3, 2022

May 3, 2022

May 3, 2022

Purchasing a property can be much easier than you might think. If buying a property is something that really doesn’t appeal to you, here are some...

Positive Financial Decisions

April 12, 2022

April 12, 2022

April 12, 2022

Whether you're a financially responsible person or living paycheque to paycheque, there is always room for positive changes. It's good to keep...

Important Questions To Ask Yourself Before Listing Your Property

March 1, 2022

March 1, 2022

March 1, 2022

Listing to sell your home is a big decision, and there could be many reasons why you may need to take this step. One important question you...

Why Choose a Variable Rate Mortgage

February 8, 2022

February 8, 2022

February 8, 2022

When we think variable vs fixed mortgage rates, we assume it’s an ongoing debate but here are several reasons why a variable rate mortgage may be...

Mortgage Rate Increase Is Imminent

January 21, 2022

January 21, 2022

January 21, 2022

There is increased pressure on fixed mortgage rates as bond yields continue to rise. Since the US Federal Reserve announced in December 2021 that...

No Frills Mortgage

January 4, 2022

January 4, 2022

January 4, 2022

A no frills mortgage is referring to when non-essential features are removed to keep the cost of borrowing as low as possible. While it will keep...

HELOC Mortgages

December 21, 2021

December 21, 2021

December 21, 2021

When you choose a mortgage that allows you to borrow and re-borrow against your home, we call this a HELOC mortgage (Home Equity Line of Credit).

Investment Properties

December 7, 2021

December 7, 2021

December 7, 2021

There is a lot to consider when purchasing a rental property and it's important to have a strategic, well thought out plan in place to make this a...

Why Your Down Payment Source Matters

November 30, 2021

November 30, 2021

November 30, 2021

When you’re considering purchasing a property know that the source of your down payment is a very important part of how the lender views your...

Using A RRSP For A Property Purchase

November 23, 2021

November 23, 2021

November 23, 2021

Did you know there's a program that allows you to utilize your RRSP to assist with your down payment to purchase a home? It's called the...

Bridge Financing And Deposit Lending

November 9, 2021

November 9, 2021

November 9, 2021

If your family is growing and your home isn't seeming suitable anymore, it may be time to find something that’s going to work better for your needs.

Do Extra Mortgage Payments Make A Big Difference?

October 26, 2021

October 26, 2021

October 26, 2021

When considering making extra payments on your mortgage, here are some things to know. The biggest factor to consider is the amortization period or...

Are Mortgage Terms Negotiable

October 19, 2021

October 19, 2021

October 19, 2021

As you browse the mortgage market, you might quickly find out that mortgages can vary based upon your credit report, income history, down payment...

Financing Home Improvement Projects

October 12, 2021

October 12, 2021

October 12, 2021

People are often motivated to make positive improvements that will upgrade their home, but they don’t have the cash available to pay for it upfront.

What It Means To Co-Sign On A Mortgage

October 5, 2021

October 5, 2021

October 5, 2021

If you're considering co-signing on a mortgage here are some things to think about. Though it's a nice to help someone who cannot qualify on there...

Employment Status And Mortgage Approval

September 28, 2021

September 28, 2021

September 28, 2021

Usually, if you’re applying for a mortgage, you feel confident in your current state of employment. Your employment status usually means more to...

Interest Rates

September 28, 2021

September 28, 2021

September 28, 2021

Everyone is following the fact that interest rates are at an all time low. Logic does point to the fact that they should remain low for quite a while.

Standard vs. Collateral Charge Mortgage

September 21, 2021

September 21, 2021

September 21, 2021

There are two different ways a mortgage can be registered. This is either with a standard charge mortgage or a collateral charge mortgage.

Purchasing A Second Property

September 14, 2021

September 14, 2021

September 14, 2021

Buying a second home comes with a unique set of guidelines for your down payment and insurance requirements. If you want to acquire a rental income...

Saving For A Down Payment

September 7, 2021

September 7, 2021

September 7, 2021

There a few things you need to plan for when saving for a down payment. Some of these include; clear income insight, clarity, precise expense...

Mortgage Options For Older Canadians

August 24, 2021

August 24, 2021

August 24, 2021

Although it's best to have your mortgage repaid by the time you retire, that isn't possible for everyone in today's economy. The cost of living is...

Questions about the housing market?

August 17, 2021

August 17, 2021

August 17, 2021

Have you been thinking about buying a property, your first home, your forever home, or maybe a retirement home, and the current state of the...

Fixed vs Variable

August 10, 2021

August 10, 2021

August 10, 2021

Your overall goal when choosing a mortgage should always be to pay the least amount of money to the lender as possible. Fixed rate mortgages may...

Negotiating Mortgage Terms

August 3, 2021

August 3, 2021

August 3, 2021

As you browse the mortgage market, you might quickly find out that mortgages can vary based upon your credit report, annual revenue, down payment...

Cash Back Mortgage

August 1, 2021

August 1, 2021

August 1, 2021

As the name indicates, a cash back home mortgage is like a standard mortgage, other than that you get a sum of cash upon closing. This lump sum...

Seasonal Work And Your Mortgage Approval

July 27, 2021

July 27, 2021

July 27, 2021

Being a seasonal employee means that you only work a part of the year; which can cause issues when your trying to qualify for a mortgage, or when...

Securing A Mortgage While On Parental Leave

July 20, 2021

July 20, 2021

July 20, 2021

If your family is growing, and you're in need of a space that's better suited to your family's size, then this article will answer several of your...

GDS/TDS Ratios Explained

July 13, 2021

July 13, 2021

July 13, 2021

One of the most important things that lenders are going to look at when you place your application is your debt to service ratio.

Payment Frequency

July 6, 2021

July 6, 2021

July 6, 2021

You've most likely been told that there are 2 guarantees in life: death and taxes. When it comes to your mortgage, you will in fact pay back what...

What Banks Won't Tell You About Mortgage Financing

June 29, 2021

June 29, 2021

June 29, 2021

If you're in the market to purchase a home, or you have a home mortgage that is up for renewal, and you're thinking about connecting with your...

Understanding A Spousal Buyout Mortgage

June 22, 2021

June 22, 2021

June 22, 2021

If you happen to be going through a separation or divorce it is important to know about mortgage options that give you the ability to refinance you...

Purchasing Airbnb Type Rental Property

June 15, 2021

June 15, 2021

June 15, 2021

After a nice getaway you may think to yourself that it could be beneficial to purchase your own short term rental property, similar to the one you...

Making Your Credit Work For You

June 1, 2021

June 1, 2021

June 1, 2021

We have all heard people say things like “make your money work hard for you”. But how do you achieve that? Something that is often left out of...

Are Mortgage Calculators Trustworthy?

May 25, 2021

May 25, 2021

May 25, 2021

You would naturally assume that an online calculator would be a straightforward way to calculate your approvability when it comes to a mortgage...

Reverse Mortgage

May 18, 2021

May 18, 2021

May 18, 2021

Reverse mortgages allow senior homeowners who are 55 years of age or more to borrow anywhere up to 55% of the equity in their home. When utilizing...

Costs Associated When Purchasing A Property In Canada

May 11, 2021

May 11, 2021

May 11, 2021

When deciding if you can afford to buy a residential property, don't just figure out a harsh down payment and carry on from there. 

Multiple Offers VS Bidding Wars

May 4, 2021

May 4, 2021

May 4, 2021

When you are the owner of a prime piece of property in Canada, you can often find yourself receiving a wide variety of offers, along with real...

New Build Home Mortgage

April 27, 2021

April 27, 2021

April 27, 2021

Sometimes building your own home outweighs the pros and cons of buying a pre-built home. We are here to help you turn your dream into reality.

Purchasing A Property With A Friend Or Family Member

April 20, 2021

April 20, 2021

April 20, 2021

Combining funds with your family or friends can provide you with multiple options when it comes to buying a home.  If this is something you are...

Title Insurance

April 13, 2021

April 13, 2021

April 13, 2021

There are a lot of details to keep track of when purchasing a home. Property tax, mortgage terms, lawyer fees, home insurance, etc. With all these...

Questions To Ask Yourself Before Selling Your Home

April 6, 2021

April 6, 2021

April 6, 2021

Listing to sell your home is a big decision, and there could be many reasons why you may need to take this step.

4 Signs You're Ready for Home Ownership

March 30, 2021

March 30, 2021

March 30, 2021

Purchasing a home is a huge milestone. And while some people may feel ready to take that leap, here are four signs that you are truly ready.

Alternative Lending Is Better Than Traditional Bank Financing

March 23, 2021

March 23, 2021

March 23, 2021

The term 'alternative lending' refers to any lending situations that are outside the traditional banking system. Alternative lenders think outside...

The Difference Between A Deposit And A Down Payment

March 16, 2021

March 16, 2021

March 16, 2021

If you're new to the home mortgage process, it's very easy to get confused by some of the terms that are used. The objective of this short article...

Lowering The Cost Of Borrowing

March 9, 2021

March 9, 2021

March 9, 2021

If you’re like a large amount of Canadians chances are you don't have enough cash to buy a property outright. So, a mortgage is likely in your future.

How To Ensure A Smooth Home Purchase

March 2, 2021

March 2, 2021

March 2, 2021

Purchasing a home is one of the biggest financial steps you will make in your lifetime.  The mortgage decision process can be confusing and...

Home Inspections

February 23, 2021

February 23, 2021

February 23, 2021

Buying a home will be one of the largest investments most Canadians make in their lifetimes. Therefore, it is so important to include a home...

Child Tax Benefit

February 16, 2021

February 16, 2021

February 16, 2021

This is a common question that many borrowers wonder about when purchasing a home, especially their first home. Many lenders, including most banks...

How to Leverage your Home Equity

February 9, 2021

February 9, 2021

February 9, 2021

Your home will usually take care of your most basic of needs for shelter, but did you know that your property can be a wealth-building asset if you...

Common Mortgage Myths

February 2, 2021

February 2, 2021

February 2, 2021

Securing a mortgage is an important part of a homebuyer’s journey when purchasing a home.  It’s a good idea to educate yourself when it comes to...

Buying a Property Without a Realtor In Canada

January 26, 2021

January 26, 2021

January 26, 2021

When it comes to buying and selling in Canada, there are a number of avenues that you can check out, such as classifieds, social media sites, or...

Bankruptcy

January 19, 2021

January 19, 2021

January 19, 2021

Once in a while life tosses you a financial curveball. It does not imply that you won't qualify for a mortgage but it can complicate things.

Low Home Appraisal

January 12, 2021

January 12, 2021

January 12, 2021

Let’s say that you are purchasing a new home, and all your mortgage conditions are met except your appraisal. If the appraisal comes in lower...

Stress Test Requirements

January 5, 2021

January 5, 2021

January 5, 2021

In 2018 it became a requirement for all Canadian buyers to undergo a Mortgage Stress Test and that also includes buyers who have 20% or more...

We provide expert mortgage advice to both individuals and businesses. With over 20 years of experience we’ll ensure that you’re always getting the best guidance from top experts in the entire industry.

Time available

09:00 - 19:00

Monday to Saturday

Address

Greater Vancouver

and BC Interior

We provide expert mortgage advice to both individuals and businesses. With over 20 years of experience we’ll ensure that you’re always getting the best guidance from top experts in the entire industry.

We provide expert mortgage advice to both individuals and businesses. With over 20 years of experience we’ll ensure that you’re always getting the best guidance from top experts in the entire industry.