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Welcome to the Homepage of Micah Verceles Vancouver Mortgage Broker
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I am a licensed, full service mortgage consultant with clients across Canada and abroad. Delivering superior mortgage financing solutions to satisfied clients, I have built my business based on a passion and commitment for delivering exceptional service and the very best mortgage options. I have a solid background in finance having worked for some of the largest lenders in the country. Whether it is for residential or commercial--a purchase, a renewal or a refinance--I am dedicated to making the process convenient and seamless.
Purchase
Whether you're looking for your first home, looking to upgrade, or purchasing an investment property, I can guide you through the entire mortgage process. I will shop your mortgage around to the top lenders and major banks to find you the lowest rate period. Using my services allows my clients to get lower than advertised rates and rate specials. You are not limited to one bank's rates or products and will not have to negotiate at all. From pre-approval to completion date, you can rest assured that you are in good hands. With years of experience and an expertise in the Greater Vancouver market you will be well informed. I am available morning to evening, 7 days a week for your convenience. My services are completely free and there are no commitments. Call me today for a consultation.
Refinance
For mortgage refinancing, Vancouver homeowners need an expert advisor to renegotiate their rate and term. Take advantage or my relationships with the top lenders and major banks to get yourself the best discounted rates available. Just remember that I work for you, not the banks. With my years of experience, I assist my clients with all their real estate financing and planning needs. It is quite common for homeowners to refinance their property to consolidate and pay out high interest debt at a much lower rate. Many of my clients have utilized these historically low rates and are now saving themselves thousands of dollars with this technique. I also work with many who are using the equity in their home to complete renovations or to build a laneway house. In recent years this has become all the rage in Metro Vancouver. This may prove to be an excellent opportunity for you. For all your refinancing needs, contact me today!
Renewal
When it comes to getting the best mortgage rates in Vancouver, why not excercise your ability for choice? By using my services you instantly have access to a portfolio of the major banks and top lenders that you otherwise would have no access to. By having this choice you are able to get the lowest rates possible. For mortgage renewals, Vancouver homeowners need an expert advisor to renegotiate their rate and term. Take advantage or my relationships with the top lenders and major banks to get yourself the best discounted rates available. Just remember that I work for you, not the banks. Mortgage renewal date fast approaching? Contact me for a free consultation. I can get your rate on hold up to 120 days before renewal.
Second Mortgages, Privates & Alternative Lending
Can't get approved by your bank? You may be in need of a private mortgage. Private mortgages are an alternative financing source in the Canadian mortgage market. Borrowers who may not fit the rigid restrictions of traditional lending institutions may find that a private mortgage is the best way to secure financing for purchasing a property, refinancing, or consolidation of debts. Let me help you find financing for your home through my relationships with the leading private lenders.
Rates
Committed To Giving You Great Low Rates! With a large portfolio of banks and lenders, it is my job to make sure you get the absolute lowest mortgage rate possible. Take advantage of my discounted rates and rate specials.
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Blog
This page contains the blog.
Residential Market Commentary - Dirty money in the real estate market
'Done with asking nicely': B.C. announces public inquiry into money laundering
Where are Canadian interest rates heading in 2019? It depends on who you ask
Where are Canadian interest rates heading in 2019? It depends on who you ask
Residential Market Commentary - The Fed holds firm
Don’t kill the mortgage stress test — modify it: CIBC’s Benjamin Tal
Residential Market Commentary - Bank of Canada pulls up a seat on the sidelines
The Real Estate Board of Greater Vancouver - April 2019 Stats
Self-employed increasingly turning to private lenders for mortgages
Toronto, Vancouver Condos Now Only For Top Earners: Report
Residential Market Commentary - New realities have home buyers adjusting
Apartment Therapy + The New Homesmiths | We Live in a Shipping Container
Bank of Canada maintains overnight rate target at 1 ¾ per cent
Why house prices are unlikely to rise any time soon
Mortgage Stress Test: The Operation Was a Success, But...
Why 3D Printing Is The Future Of Housing
Patience, perspective key to surviving real estate slump
Residential Market Commentary - Bond yield inversion: the case for calm
NYC Apartment Tour | Penthouse 57 A - Madison Square Park Tower
Canadian incomes aren’t growing fast enough, and that’s a problem for Canada’s housing market
Falling home prices not only in Vancouver, but also in markets around world
The Real Estate Board of Greater Vancouver - March 2019 Stats
This chart shows how far BC’s housing market has fallen since tougher mortgage rules were introduced
Residential Market Commentary - Budget Help for House Hunters
Q1 2019 Bank Earnings
Canada's Inverted Curve Steepens as Real Yield Turns Negative
Non-residents own 4.9% of Metro Vancouver homes, much higher in new condos: CMHC
Non-residents own 4.9% of Metro Vancouver homes, much higher in new condos: CMHC
Bank of Canada to hold interest rates through 2020: TD Securities
2019 Federal Budget - Housing Market Overview
Residential Market Commentary - Defying economic expectations
A first-time homebuyer’s guide to avoiding the house poor trap
ICON + New Story | The Vulcan I - 3D Printed Home
Metro Vancouver homebuyers hold the power in current market
The Real Estate Board of Greater Vancouver - February 2019 Stats
The Real Estate Board of Greater Vancouver - February 2019 Stats
Bank of Canada Reduces Prospects of a Rate Hike
Residential Market Commentary - The next move: no move for BoC
ORI Living | The Transforming Furniture for Small Spaces
First-of-its-kind registry in B.C. targets under-the-radar condo flippers
Is the Housing Correction Almost Over?
A first-time homebuyer’s guide to building a healthy credit history for homeownership
Canadian real estate market outlook 2019: Stable but struggling
Residential Market Commentary - The slide continues
Ask the Expert: What Happens to My Deposit if I Cannot Close My Purchase?
Canada home prices fall for fourth straight month according to Teranet Price Index
The VIPP Shelter | Tiny Prefab as precise industrial-era appliance
Home ownership elusive for young Canadians who fear going broke
From Warehouse to Their House, in Bucktown
Residential Market Commentary - As goes housing, so goes the economy
The Real Estate Board of Greater Vancouver - January 2019 Stats
Residential Market Commentary - Housing: An early election issue
Overbuilding in Vancouver? New report says long-term home construction needs to speed up
Why the government should rethink the mortgage stress test
The Mortgage Professionals Canada | Annual State of the Residential Mortgage Market Report
Liberals seeking to make home-buying more affordable for millennials: Morneau
The sub-million dollar detached home is back in Vancouver
Declaration Period Begins for B.C. Speculation and Vacancy Tax
Inside Hong Kong's Cage Homes
Canada's commercial property market is set for another blockbuster year
Residential Market Commentary - Inflation: Just a blip on the radar
Mortgage rates expected to ease as economy slows
Residential Market Commentary - BoC holding steady against headwinds
Affordable Housing Problem Is Causing Vancouver's Brain Drain: Minister Carole James
Canadian House Prices To Drop As 'Huge' Wave Of New Homes Arrives: Report
First- and Second-Home Buyers Can Expect Discounts in 2019
What would it take for Canadian interest rates to drop in 2019?
Vancouver home prices in 2018, and where they might go in 2019
Bank of Canada Remains on Hold, Revising Down Oil Market Outlook
Staying Cool in the 2019 Housing Market
Rate rise unlikely this week but could a cut happen in 2019?
December Housing Reports Show Plummeting Home Sales in 2018 in Toronto and Vancouver
The Real Estate Board of Greater Vancouver - December 2018 Stats
Vancouver single family home assessments dip, while commercial properties soar
Residential Market Commentary - A softened stance on future rates hikes
OSFI wants big banks to hike reserves amid elevated risks
Big banks tighten grip on mortgage market after rule changes stifle competition
Toronto, Vancouver most 'vulnerable' to interest rate hikes: CMHC
Vancouver-area home prices to fall 3% in 2019: RE/MAX
The devil is in the details
Bank of Canada's Dovish Tone
Thinking of Buying a Leasehold Property? Read This First
The Real Estate Board of Greater Vancouver - November 2018 Stats
Is it time for a mortgage checkup?
CMHC forecasts higher rates, slower housing
Q3 Canadian GDP Growth Slowed On The Back of Weak Housing and Business Investment
Many mortgage renewers can expect better rate in 2019, despite recent hikes: poll
Many mortgage renewers can expect better rate in 2019, despite recent hikes: poll
'We're at a crisis and we don't even realize it': The dark side of Toronto's housing boom
Canadians are obsessed with housing affordability — so why isn't Ottawa talking about it?
Bank of Canada takes a holiday from rate increases
The Verge + Curbed | Building the Home of the Future w/ Grant Imahara
Big lenders resilient in housing crash test: Bank of Canada
Higher interest rate target? Expanded mandate? Bank of Canada explores options
Vancouver expects $30 million in first year of empty homes tax
Canada’s Housing Market Shows Increasing Signs of Soft Landing
Kasita | The Future of Affordable Housing?
Average Canadian house worth $496,800 last month, down 1.5% in past year
Financial fretting among Canadians
Why your neighbour's kid is getting a better mortgage rate than you
How Much Do You Know About Credit Ratings?
Residential Market Commentary - Canadians concerned, but comfortable with their debt
Vancouver housing market forecast to see moderation over the next 2 years: CMHC
Market Update: Banks Calculating Lines of Credit
How Much Higher Will Canadian Mortgage Rates Go?
Get used to rising interest rates
The Real Estate Board of Greater Vancouver - October 2018 Stats
Vancouver home supply up as sales drop below historical average in October
Lender Insights from the 2018 National Mortgage Conference
CMHC’s Evan Siddall Addresses B-20 at National Mortgage Conference
Vancouver Real Estate Bubble - Causes and Reasons
Interest rate signs point up
Interest rate signs point up
Interest rate signs point up
Working With A Mortgage Broker
One-third of Canadians fear bankruptcy ahead of expected interest rate hike
Housing stress test disproportionately harms young homebuyers: mortgage industry
First-time homebuyers are maxed out, but confident
B.C. government moves ahead with speculation tax on vacant homes
October 2018 Canadian Rent Report
B.C. government moves ahead with speculation tax on vacant homes
Tech companies have a strong appetite for Vancouver’s offices
Residential Market Commentary - The growing concern around affordable housing
Vancouver leads Canada's first home sales decline in five months
Canadian housing starts fall to lowest in almost two years
OSFI to take new measures to address equity-based mortgage loans
Canadian housing starts slower in September
The Latest in Mortgage News – Home Prices and Rate Hikes
The Real Estate Board of Greater Vancouver - September 2018 Stats
New CMHC guidelines could open doors to financing for self-employed
Rendering of The New Tallest Office Tower in Vancouver
Bridging the Gap Between MICs and Brokers
B.C. government cuts automatic 2% increase in annual rent allowance for 2019
Luxury-home sales are booming in Toronto, tumbling in Vancouver
Number of mortgages fell 3.4% in second quarter as stress test rules keep young buyers out
Livestream: B.C. rental housing task force to announce recommendations
Vancouver councillors move ahead with policy for duplexes on detached home lots
Rising Interest Rates a Headwind for Canada’s Housing Market
Government Intends to Empower FICOM as a Crown Corporation
Consumer Report Finds Homeownership is the Affordable Alternative as Rent Costs Continue to Soar
Homeownership Rates Dropping in Most Major Canadian Cities
Cooling of Canada’s real-estate market expected to continue: poll
Q3 2018 Bank Earnings
Decreasing certainty for an increase in rates
Residential Market Commentary – The key reason for the decline of new mortgage loans
Market Memo: Affordability challenges for the young and the old
Bank of Canada holds rates steady as it eyes NAFTA fallout
The Real Estate Board of Greater Vancouver - August 2018 Stats
World's priciest home market pushes millennials beyond the law
Fallout of High Home Prices
Bank of Canada governor hints he will raise interest rates even if he doesn't have to
Home Capital, Street Capital & First National's Q2 Review
'Cube house' on Vancouver's Point Grey Road sold for $7.95 million
Big banks poised for strong quarter amid housing stability, rate hikes
New Housing Data Shows Strengthening Sales, Rising Prices
Six Months was What it Took to Absorb Latest Mortgage Changes!
Bank Mortgage Specialists Advertising As Mortgage Brokers
Is Mandatory Securities Registration Looming For BC MICs & Mortgage Syndicators?
Insurance Premiums May Rise in 2019
The price-to-income ratio needed to buy a home across Metro Vancouver
New Renderings Of Oakridge Centre Show Surreal Architecture
3 Canadian cities make top 10 on global ranking of most livable cities
Is the Housing Market Turning a Corner?
80% of Canadian Boomers Choosing Renos Over Moving
Real Estate Board of Greater Vancouver's July 2018 Report
Langley Woman Overpaying Taxes Gets Money Back
Residential Market Commentary - An easing burden of debt
Stress Test Impacts Measured
British Columbia toughens requirements for property purchased by corporations, trusts
CMHC wants to make it easier for self-employed Canadians to get a mortgage
B.C. real estate group says market balancing out amid new mortgage rules, lower demand
After the Hike: Fixed or Variable?
How resilient is Canadian housing to a U.S.-style crash? Plunging oil prices? Here's the CMHC stress test result
How resilient is Canadian housing to a U.S.-style crash? Plunging oil prices? Here's the CMHC stress test result
How resilient is Canadian housing to a U.S.-style crash? Plunging oil prices? Here's the CMHC stress test result
10 things not to miss at the Vancouver Home + Design Show
The Layered “S House” by Yuusuke Karasawa Architects
Canada may need tougher rules to slow overvalued housing market, IMF warns
Canada's Housing Future Exceeds Expectations According to Mortgage Insurer
‘Ferris Bueller’ House Sells for $1.06 Million
Bank of Canada is unlikely to change course on interest rates
The Most Expensive Home in the World
Kohler Touchless Toilet
10 Things You Should Know About Pre Approvals
CMHC cutting back on what it covers with mortgage insurance
Virtual Tour of the new Ronald McDonald House BC
Canadians paying off their mortgages
Bank of Canada expected to lag Fed in rate hike timing and pace
Banks Show Restraint on Mortgage Rates
Second Mortgage Insurer Follows Suit and Raises Premiums
CMHC to hike mortgage insurance premiums May 1
B.C. property market hazy after 'millionaire visa' scrapped
TD Bank overtakes RBC to become Canada’s largest lende
CMHC cuts 2014 housing starts forecast, signalling slowing market
Why no rate hike means variable mortgages are safe again
The Real Estate Board of Greater Vancouver - October 2013 Statistics
Are you "House Poor"?
Low-rate pledge revives fears of hard reckoning for Canada’s housing market
Flaherty won’t intervene in housing market but keeping close tabs
Extreme Homes - Bond Style Villa
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