News

3 Major Mortgage Changes Coming

April 19th, 2024|

30 Year Insured Mortgages Coming Back Effective August 1, 2024, 30-year Insured mortgages will be available to first-time buyers purchasing new construction only. There's no word yet on what the insurance premiums will be. Also, we don’t know what constitutes "new construction." Our guess

Interest Rate Uncertainty Still Looms

March 21st, 2024|

As spring is around the corner, anticipation of mortgage rates creeping downwards is as welcome as the cherry blossoms Vancouver is famous for. What is the probability that this will in fact come to fruition? The Bank of Canada meets again for the 3rd time

To Buy in the Winter or Not?

February 21st, 2024|

There is an inverse relationship between mortgage rates and housing prices.  When the Bank of Canada lowers rates, more buyers venture into the market, increasing demand and consequently raising prices.  Typically, the housing market slows down during the winter months, picking up roughly around March/spring

Housing Outlook for 2024

January 17th, 2024|

Canada has welcomed well over 2 million immigrants in the past two years (2022, 2023) and proposes to increase the number of permanent residents in Canada from 465,000 in 2023 to 485,000 in 2024 and 500,000 in 2025 (Canada.ca/en/immigration-refugees-citizenship/corporate/transparency/consultations/2023). Housing remains a challenge as only

Mortgage Trends

December 20th, 2023|

Mortgages rates and sizes have been trending downwards in the last quarter of 2023. Interest in mortgage renewals continued growing but peaked when the BOC (Bank of Canada) announcement stabilized their interest rate increases. Indeed, according to the data collected of all mortgages issued in

Early Housing Hibernation

November 20th, 2023|

Winter is approaching and with it the chill of weather and a typical slowing of market sales and movement. This year, however, looks a little different.  Typically, sales slow in October and November and pick up again in springtime.  In Vancouver and Toronto, most notably,

Inflation Drops Again

October 18th, 2023|

Statistics Canada reported on Tuesday, October 17, 2023, that the rate of increase of inflation has lowered from 4.1% to 3.8%.  According to their report, “deceleration in the cost of living was “broad-based” and stemmed from lower prices for a variety of goods and

New federal GST policy on rental construction

September 20th, 2023|

On Thursday Sept 14, 2023, Justin Trudeau and the Federal Government announced a new tax policy repealing the Federal GST tax on new construction builds in a bid to encourage the construction of new rental buildings.  Some welcome this move, claiming it will be

As your Mortgage Advisor we are here to serve you throughout the term and life of your mortgage and not just in obtaining your initial mortgage.

If you currently have a mortgage or are looking for a new one we can help you with the following:

  • Change your payment date or frequency
  • Increase an existing mortgage
  • Make additional payments to your mortgage
  • Renew your mortgage
  • Add on another mortgage or line of credit to a property
  • Borrow unsecured loans or lines of credit
  • Purchase another property
  • Obtain life or disability insurance
  • Obtain term insurance
  • Any type of mortgage including purchases, refinances, construction, lines of credit, private mortgages, etc
  • Anything else you may need in regards to financing!

In almost ALL cases we are able to obtain the same or BETTER RATES than if you go directly to your lender yourself. This is the power of dealing with us as your mortgage advisor.

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