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Free Professional Advice

Why choose Micah? Because I provide valuable professional advice and it’s FREE!

Why pay more than needed? Get my rate specials. Let me negotiate the best rate for you and save money.

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Best Rates

Let me shop the major banks and top lenders for you.

Let me negotiate the best rate. Remember I work for you, not the banks.

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Get Approved

My approval rating is high.

With my portfolio of lenders, I can find you a program that works for you.

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Lower rates equals thousands in savings.

Why pay more than needed? Get my rate specials. Let me negotiate the best rate for you and save money.

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When the banks are closed, I am not.

I work for you and I am at your service 7 days a week.

Blog by Micah Verceles

Residential Market Commentary - An easing burden of debt

July 30th, 2018
The good news is: the Canadian household debt to disposable income ratio is shrinking.

The latest numbers from Statistics Canada put debt to income at 168%, or $1.68 owing for every dollar available to spend, as of the end of the first quarter this year. That is down from 170% in Q3 and 169.7% in Q4 of last year.

Credit market debt rose by just 0.3% in Q1, while wages rose 1.3%. Compared to ...

Stress Test Impacts Measured

July 26th, 2018
The government’s latest mortgage rule changes have caused an imbalance between supply and demand in almost every region of the country, and will result in an estimated 200,000 fewer jobs being created over the next three years.

Those are among the findings of Mortgage Professionals Canada’s newly released Report on the Housing and Mortgage Market in Canada.

“…the cumulative impact of rising ...

British Columbia toughens requirements for property purchased by corporations, trusts

July 26th, 2018
British Columbia will soon force people who use corporations or trusts to buy property in the province to disclose more complete information, a move the government says will close a loophole that has allowed speculators to evade real estate taxes.

Starting Sept. 17, new property-transfer-tax forms will require people to report additional information, including their name, citizenship and so ...

CMHC wants to make it easier for self-employed Canadians to get a mortgage

July 25th, 2018

CMHC is giving lenders more guidance and flexibility on determining whether a self-employed person qualifies for a mortgage

OTTAWA — Canada Mortgage and Housing Corp. is making changes intended to make it easier for the self-employed to qualify for a mortgage.

The national housing agency says it’s giving lenders more guidance and flexibility to help self-employed borrowers.

Self-employe ...

B.C. real estate group says market balancing out amid new mortgage rules, lower demand

July 24th, 2018
The British Columbia Real Estate Association says tighter mortgage rules and lower demand are bringing the provincial housing market into balance.

The association says 7,884 units were sold within the Multiple Listing Service across the province in June, a 32.5 per cent decrease from the same month last year.

The average residential price was down 1.3 per cent from June of 2017 for a total ...

After the Hike: Fixed or Variable?

July 24th, 2018

It’s the perennial question homebuyers ask themselves and one that’s getting a lot of attention these days: should I go fixed or variable?

And the answer may have just become a little more complicated now that the Bank of Canada (BoC) has raised its overnight target rate to 1.50%.

The rate increase, which affects variable rate mortgages and Home Equity Lines of Credit (HELOCs), as well as the ...