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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.

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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.

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Blog by Micah Verceles

CMHC credit score criticism

June 15th, 2020
The new insurance rules put in place by Canada Mortgage and Housing Corporation still have lenders, borrowers and brokers wondering what is going to happen. There is a range of opinion and the change in the credit rating requirement, or Beacon Score, is getting a lot of attention.

CMHC has pushed its minimum credit score up from 600 to 680. The move puts CMHC’s rate above that of the country’ ...

CMHC Reviews Underwriting Criteria

June 5th, 2020
The COVID-19 pandemic is affecting all sectors of Canada’s economy, including housing. Job losses, business closures and a drop in immigration are adversely impacting Canada’s housing markets, and CMHC foresees a 9% to 18% decrease in house prices over the next 12 months. In order to protect future home buyers and reduce risk, CMHC is changing its underwriting policies for insured mortgages. ...

Bank of Canada Holds Rates

June 3rd, 2020
At 10 am eastern, the Bank of Canada made its sixth interest rate decision of the year and the first under its newly appointed Governor Tiff Macklem.

The decision itself – no change – is unsurprising as the Bank has repeatedly stated that it has no intention of reducing the rate below its current 0.25%.

However, the Bank did have some new things to say about the impact of the COVID-19 pandemi ...

The Real Estate Board of Greater Vancouver - May 2020 Stats

June 2nd, 2020
Metro Vancouver* home prices have remained steady since provincial health officials implemented physical distancing requirements in March.

The Real Estate Board of Greater Vancouver (REBGV) reports that the MLS® Home Price Index1 composite benchmark price for all residential properties in Metro Vancouver today is $1,028,400. This is virtually unchanged from April 2020, a 1.4 per cent increase ...

Lenders: Living on the edge?

June 1st, 2020
Canada’s big, national mortgage lenders are walking toward a “deferral cliff”. That is the prediction from the head of Canada Mortgage and Housing Corporation, Evan Siddall.

Siddall’s recent testimony to Canada’s parliamentary finance committee sounded pretty bleak overall, at least for the two-year time horizon that the federal housing agency looks to.

Siddall expects the deferral cliff will ...