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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.
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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.
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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!
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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.
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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.
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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.
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MPC applauds Prime Minister’s order to review the mortgage stress test
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A flaw in Canada’s economic armour
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The Real Estate Board of Greater Vancouver - November 2019 Stats
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Alleyway home in Toronto makes room splitting into 5 levels
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Housing and debt worries weigh on BoC
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Here’s how much you need to earn to buy the average home in Canada’s biggest cities
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Consumer debt blues brighten slightly
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CREA: Canadian Real Estate Prices Reach A New All-Time High, But Growth Slows
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Toronto decline, Vancouver recovery leave Canadian home sales flat
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Architectural Digest | Inside a $5.5M Floating Mansion in Miami
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Residential Market Commentary - Mortgage-free or diversity?
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The Real Estate Board of Greater Vancouver - October 2019 Stats
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Canadian Housing Market Trends To Look Out For In 2020
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Bank of Canada holds rates, warns economy will be 'tested'
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Mortgage business on the move
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Is real estate still a good investment for Canadians?
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Residential Market Commentary - Qualifying rate conundrum
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The Real Estate Board of Greater Vancouver - September 2019 Stats
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The Real Estate Board of Greater Vancouver - September 2019 Stats
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Where Could a Median-Income Household Afford Real Estate in Canada?
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How the parties' housing promises stack up, according to this expert
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Residential Market Commentary - What is a central bank?
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A ‘dumb’ idea to make housing more affordable
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Vancouver Real Estate Is Once Again The Fastest Cooling Market In Canada
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Alternative facts vs. fraud: Millennials believe it’s acceptable to fib on applications
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Residential Market Commentary - Treading water in a rising tide
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The Real Estate Board of Greater Vancouver - August 2019 Stats
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Bank of Canada Holds Overnight Rate Steady Amid Uncertainty
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Inside UBC's Exchange Residences
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Vancouver condo prices see biggest drop in Canada, but still lead the nation: report
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Perfect Productive Workspace – Minimal Office + Desk Tour
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Everything you need to know about Canada's new First-Time Home Buyer Incentive
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Vancouver Real Estate Falls To Bottom Of The List For Demand, Ottawa Tops
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HouzzTV: 80 Year Old Barn Conversion | Medina, Ohio
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Vacancy taxes prompt sale of luxury condos in Downtown Vancouver
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A sunny July, but ominous clouds on the horizon
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Housing market will drag on B.C. economy, offset by major projects: forecast
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New data shows parents are helping their kids pass Canada’s mortgage stress test
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The ups and downs of unemployment and interest rates
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Residential Market Commentary - BoC not reacting to U.S. interest cut
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Residential Market Commentary - BoC not reacting to U.S. interest cut
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Brookfield to take control of Canadian mortgage insurance giant in $2.4 billion deal with Genworth
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Towers of trouble: Toronto's condo market has no rule book | Doc Zone
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The Real Estate Board of Greater Vancouver - July 2019 Stats
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CMHC sees 'moderate overvaluation' in Canada's housing market, but little vulnerability overall
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The Fed's Quarter-Point Rate Cut Not the Start of Something Big
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Is the worst over for Vancouver’s housing market?
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B.C. Is Home To The Fastest Cooling Real Estate Markets In Canada
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Residential Market Commentary - Interest rate early warnings
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Canadian home prices hit decade low for growth
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Bank of Canada lowers qualifying rate used in mortgage stress tests
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Housing returns as economic driver
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House Prices Are Falling In 25 Canadian Communities ― Here’s The Scoreboard
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Vancouver is still in a housing crisis. But when will we know if it's over?
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Greater Vancouver home sales lowest June on record in nearly 20 years
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Residential Market Commentary - Affordability improves, a little
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The Real Estate Board of Greater Vancouver - June 2019 Stats
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Residential Market Update - Canada’s interest rate conundrum
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Here’s where there are still hot housing markets in the Vancouver area
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Pre-sale condo buyers back out of contracts as market slows in Lower Mainland
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CMHC’s First-Time Home Buyer Incentive Falls Short of Expectations
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Average wages in Canada need to double for millennials to afford a house: study
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5,400 sq.ft Reverse Roof House in Billimora by Amit Shastri Architects
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Residential Market Commentary - A tale of two job reports
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Canada’s mortgage stress tests are broken: economist
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'Pretty cheap money': Canadian mortgage rates falling to their lowest level in 2 years
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Debt blamed in credit crisis could help Canada with housing risk
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Residential Market Commentary - Standing pat, but still optimistic
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The Real Estate Board of Greater Vancouver - May 2019 Stats
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Metro Vancouver at 'epicentre' of further downside in BC housing prices: report
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Bank of Canada Maintains Overnight Rate
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IMF urges Canada not to change policy despite calls to ease mortgage stress test
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$89B in home equity lost across Metro Vancouver over past year, report claims
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My Lane Home | North Vancouver's First Modular Coach House
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Residential Market Commentary - Dirty money in the real estate market
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'Done with asking nicely': B.C. announces public inquiry into money laundering
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Where are Canadian interest rates heading in 2019? It depends on who you ask
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Where are Canadian interest rates heading in 2019? It depends on who you ask
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Residential Market Commentary - The Fed holds firm
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Don’t kill the mortgage stress test — modify it: CIBC’s Benjamin Tal
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Residential Market Commentary - Bank of Canada pulls up a seat on the sidelines
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The Real Estate Board of Greater Vancouver - April 2019 Stats
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Self-employed increasingly turning to private lenders for mortgages
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Toronto, Vancouver Condos Now Only For Top Earners: Report
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Residential Market Commentary - New realities have home buyers adjusting
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Apartment Therapy + The New Homesmiths | We Live in a Shipping Container
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Bank of Canada maintains overnight rate target at 1 ¾ per cent
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Why house prices are unlikely to rise any time soon
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Mortgage Stress Test: The Operation Was a Success, But...
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Why 3D Printing Is The Future Of Housing
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Patience, perspective key to surviving real estate slump
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Residential Market Commentary - Bond yield inversion: the case for calm
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NYC Apartment Tour | Penthouse 57 A - Madison Square Park Tower
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Canadian incomes aren’t growing fast enough, and that’s a problem for Canada’s housing market
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Falling home prices not only in Vancouver, but also in markets around world
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The Real Estate Board of Greater Vancouver - March 2019 Stats
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This chart shows how far BC’s housing market has fallen since tougher mortgage rules were introduced
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Residential Market Commentary - Budget Help for House Hunters
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Q1 2019 Bank Earnings
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Canada's Inverted Curve Steepens as Real Yield Turns Negative
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Non-residents own 4.9% of Metro Vancouver homes, much higher in new condos: CMHC
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Non-residents own 4.9% of Metro Vancouver homes, much higher in new condos: CMHC
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Bank of Canada to hold interest rates through 2020: TD Securities
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2019 Federal Budget - Housing Market Overview
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Residential Market Commentary - Defying economic expectations
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A first-time homebuyer’s guide to avoiding the house poor trap
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ICON + New Story | The Vulcan I - 3D Printed Home
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Metro Vancouver homebuyers hold the power in current market
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The Real Estate Board of Greater Vancouver - February 2019 Stats
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The Real Estate Board of Greater Vancouver - February 2019 Stats
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Bank of Canada Reduces Prospects of a Rate Hike
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Residential Market Commentary - The next move: no move for BoC
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ORI Living | The Transforming Furniture for Small Spaces
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First-of-its-kind registry in B.C. targets under-the-radar condo flippers
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Is the Housing Correction Almost Over?
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A first-time homebuyer’s guide to building a healthy credit history for homeownership
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Canadian real estate market outlook 2019: Stable but struggling
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Residential Market Commentary - The slide continues
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Ask the Expert: What Happens to My Deposit if I Cannot Close My Purchase?
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Canada home prices fall for fourth straight month according to Teranet Price Index
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The VIPP Shelter | Tiny Prefab as precise industrial-era appliance
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Home ownership elusive for young Canadians who fear going broke
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From Warehouse to Their House, in Bucktown
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Residential Market Commentary - As goes housing, so goes the economy
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The Real Estate Board of Greater Vancouver - January 2019 Stats
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Residential Market Commentary - Housing: An early election issue
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Overbuilding in Vancouver? New report says long-term home construction needs to speed up
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Why the government should rethink the mortgage stress test
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The Mortgage Professionals Canada | Annual State of the Residential Mortgage Market Report
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Liberals seeking to make home-buying more affordable for millennials: Morneau
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The sub-million dollar detached home is back in Vancouver
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Declaration Period Begins for B.C. Speculation and Vacancy Tax
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Inside Hong Kong's Cage Homes
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Canada's commercial property market is set for another blockbuster year
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Residential Market Commentary - Inflation: Just a blip on the radar
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Mortgage rates expected to ease as economy slows
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Residential Market Commentary - BoC holding steady against headwinds
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Affordable Housing Problem Is Causing Vancouver's Brain Drain: Minister Carole James
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Canadian House Prices To Drop As 'Huge' Wave Of New Homes Arrives: Report
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First- and Second-Home Buyers Can Expect Discounts in 2019
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What would it take for Canadian interest rates to drop in 2019?
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Vancouver home prices in 2018, and where they might go in 2019
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Bank of Canada Remains on Hold, Revising Down Oil Market Outlook
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Staying Cool in the 2019 Housing Market
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Rate rise unlikely this week but could a cut happen in 2019?
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December Housing Reports Show Plummeting Home Sales in 2018 in Toronto and Vancouver
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The Real Estate Board of Greater Vancouver - December 2018 Stats
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Vancouver single family home assessments dip, while commercial properties soar
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Residential Market Commentary - A softened stance on future rates hikes
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OSFI wants big banks to hike reserves amid elevated risks
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Big banks tighten grip on mortgage market after rule changes stifle competition
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Toronto, Vancouver most 'vulnerable' to interest rate hikes: CMHC
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Vancouver-area home prices to fall 3% in 2019: RE/MAX
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The devil is in the details
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Bank of Canada's Dovish Tone
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Thinking of Buying a Leasehold Property? Read This First
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The Real Estate Board of Greater Vancouver - November 2018 Stats
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Is it time for a mortgage checkup?
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CMHC forecasts higher rates, slower housing
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Q3 Canadian GDP Growth Slowed On The Back of Weak Housing and Business Investment
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Many mortgage renewers can expect better rate in 2019, despite recent hikes: poll
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Many mortgage renewers can expect better rate in 2019, despite recent hikes: poll
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'We're at a crisis and we don't even realize it': The dark side of Toronto's housing boom
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Canadians are obsessed with housing affordability — so why isn't Ottawa talking about it?
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Bank of Canada takes a holiday from rate increases
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The Verge + Curbed | Building the Home of the Future w/ Grant Imahara
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Big lenders resilient in housing crash test: Bank of Canada
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Higher interest rate target? Expanded mandate? Bank of Canada explores options
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Vancouver expects $30 million in first year of empty homes tax
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Canada’s Housing Market Shows Increasing Signs of Soft Landing
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Kasita | The Future of Affordable Housing?
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Average Canadian house worth $496,800 last month, down 1.5% in past year
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Financial fretting among Canadians
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Why your neighbour's kid is getting a better mortgage rate than you
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How Much Do You Know About Credit Ratings?
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Residential Market Commentary - Canadians concerned, but comfortable with their debt
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Vancouver housing market forecast to see moderation over the next 2 years: CMHC
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Market Update: Banks Calculating Lines of Credit
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How Much Higher Will Canadian Mortgage Rates Go?
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Get used to rising interest rates
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The Real Estate Board of Greater Vancouver - October 2018 Stats
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Vancouver home supply up as sales drop below historical average in October
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Lender Insights from the 2018 National Mortgage Conference
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CMHC’s Evan Siddall Addresses B-20 at National Mortgage Conference
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Vancouver Real Estate Bubble - Causes and Reasons
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Interest rate signs point up
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Interest rate signs point up
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Interest rate signs point up
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Working With A Mortgage Broker
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One-third of Canadians fear bankruptcy ahead of expected interest rate hike
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Housing stress test disproportionately harms young homebuyers: mortgage industry
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First-time homebuyers are maxed out, but confident
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B.C. government moves ahead with speculation tax on vacant homes
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October 2018 Canadian Rent Report
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B.C. government moves ahead with speculation tax on vacant homes
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Tech companies have a strong appetite for Vancouver’s offices
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Residential Market Commentary - The growing concern around affordable housing
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Vancouver leads Canada's first home sales decline in five months
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Canadian housing starts fall to lowest in almost two years
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OSFI to take new measures to address equity-based mortgage loans
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Contact
- This page contains the contact information of Micah Verceles Mortgage Broker.
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FAQ
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Sitemap
- This page contains the sitemap.