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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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Blog by Micah Verceles

Coronavirus Fears Could Bring Lower Canadian Mortgage Rates

January 31st, 2020
The ripple effects of the coronavirus are being felt on Canada’s bond market, which is translating into lower mortgage rates.

Variable-rate mortgages are generally tied to the Bank of Canada’s overnight benchmark rate. Their fixed-rate counterparts depend on the five-year Government of Canada bond yield, which fluctuates with market forces. It’s fallen sharply since the coronavirus first surf ...

Debt goes for a hike

January 27th, 2020
As Canada rolled into the final quarter of 2019 debt levels went for a hike. The latest figures from Statistics Canada put the level of household debt to disposable income at 176%. Up from 175.4% reported in the previous quarter.

For every dollar left after taxes and expenses Canadians owed $1.76 in debt. It was the first increase in a year and represents an annualized increase of 1.2%.

Mortg ...

Skinny home in Toronto as prototype for parking-space homes?

January 24th, 2020
When Cyril Borovsky bought a 16-foot-wide strip of land in Toronto sandwiched between two bungalows, he knew the only way to fit more than one bedroom on the tiny footprint was to think cubically. Using a steel frame and performing much of the work himself- with just a boom lift and makeshift pulley-, he went up four floors.

The final 1,300 square foot home fits 3 bedrooms and 3 baths on a 16 ...

Your Property Tax bill won’t drop along with Assessment

January 22nd, 2020
The long-held myth that property taxes rise in step with property assessments might finally be debunked this year. Or maybe not.

Most Metro Vancouver homeowners who received their assessment notices in the mail over the past week have seen their property values decline somewhere between five and 15 per cent, which might have some out there believing their tax bill won’t be quite as onerous th ...

Consultations begin on preventing money laundering in mortgages, corporations

January 20th, 2020
British Columbians are invited to take part in public engagements on creating a central registry of company beneficial ownership, as well as modernizing mortgage broker regulation to guard against money laundering.

“Money laundering in our economy must end,” said Carole James, Minister of Finance. “These consultations are an opportunity for the public to voice concerns around how we can preve ...

Jobs up. Rates steady.

January 13th, 2020
The Canadian economy just keeps playing into the hands of the Bank of Canada as the central bank continues to resist pressures to trim interest rates.

The latest jobs report has given the Bank yet more ammunition to defend its position. The December figures showed a nice recovery following the sharp drop in November. The economy netted 35,200 additional jobs last month and the unemployment ra ...

The Real Estate Board of Greater Vancouver - December 2019 Stats

January 7th, 2020
Home sales decline below long-term averages in 2019 despite increased demand to end the year

The Metro Vancouver* housing market experienced below average sales activity and moderate price declines in 2019.

The Real Estate Board of Greater Vancouver (REBGV) reports that sales of detached, attached and apartment homes reached 25,351 in 2019, a three per cent increase from the 24,619 sales re ...

Residential Market Commentary - 2020 foresight

January 6th, 2020
The New Year is here, we are heading into a new decade and by most accounts all is right in Canada’s housing market.

2019 has been a turnaround year in the industry, particularly through the second half. The Canadian Real Estate Association, the big realtors and the Canada Mortgage and Housing Corporation all expect an ongoing recovery through 2020. But each has its own interpretation of “rec ...