Vancouver Professional Mortgage Broker

Yes, You’re Approved!

**Special Mortgage Promotion**

 

    • Minimum 5% - 10% Down payment

    • Home Buyers Income offers $10,000 non-refundable income tax credit

    • Property Transfer Tax Rebate $8,000

    • First Home Saving Account (FHSA) - Claim up to $8,000/year (Maximum $40k)

    • Home Buyer’s Plan - Withdraw Maximum $60,000 from RRSP (Tax-Free + Repayment period required 5-Years)

    • First-Time Home Buyer Credit - non refundable tax credit $1,500

    • GST/HST New Housing Rebate

    • Condo

    • Townhouse

    • Single Family Dwelling

    • Duplex / Multi-plex

    • Rental Investment Property

    • Lowering monthly payments

    • Reduce total Interest paid

    • Shortening the length of loan

    • Change type of loan (fixed/variable)

    • Switch /Transfer Lenders

    • Home upgrades

    • Helping children for Down payment

    • Education

    • Wedding / Graduation

    • Vacation

    • Secondary Home Investment

    • Start a New Business

    • Health / Sickness Treatment

    • Funeral

    • Fixing or Repairs

    • Increasing property value

    • Create additional income source

    • Partnership Separation

    • Transfer of Title Ownership

    • Family Divorce

    • Rental building

    • Commercial mixed building

    • Business

    • Industrial

    • Bare land

    • Investment

    • Switch / Transfer lenders

    • Better Interest Rate and Features

    • Equity Take-Out

    • Debt Consolidation

    • Change type of loan (fixed/variable)

3 Simple Steps

Step 1

Apply Online

Apply now and start a mortgage application. Please disclose how much you want to borrow, the purpose for the funds along with your deadline. Next submit essential documents to help lenders assess your financial situation.

Step 2

Pre-Qualify with Lenders

Review and discuss all mortgage options to match your realistic needs. Working closely together to strategically achieve your financial goals. Then schedule a conveyancing appointment with your solicitor.

Step 3

You’re Approved!

Finally, upon completion the desired funds will be transferred directly into your primary bank account.

Congratulations !!

NEWS LETTER

NEWS LETTER

  • Speculation & Vacancy Tax

    Due March 1, 2025

    The speculation and vacancy tax is an annual tax based on how owners use residential properties in areas in B.C. affected most by the current housing shortage crisis. 

    You can declare as soon as you receive your declaration letter. It includes your Letter ID and Declaration Code, which can be found at the top right corner of your letter

  • 2025 Rent Increase Limit

    British Columbia

    The 2025 rent increase limit for residential tenancies is 3%. 

    When can a landlord increase the rent and what is the maximum allowable amount?

    Landlords can only increase rent if it has been at least 12 months since:

    1.) Rent was set at the beginning of a tenancy OR

    2.) Rent was last legally increased during an existing tenancy.

    Click here - Interest Calculator

    More Information +

  • Newly Built Home Exemption

    Property Transfer Tax on Newly built home exemption:

    Full exemption: Effective April 1, 2024, the fair market value threshold for a full exemption for newly built homes is increased from $750,000 to $1,100,000.

    Partial exemption: A partial exemption is also available for properties with fair market values just above the threshold. The phase out range is $50,000 above the threshold, with the complete elimination of the exemption at $1,150,000 for qualifying purchasers.

    More Information +

  • First Time Home Buyer

    Property Tax Transfer (First Time Home Buyer)

    1.) A full PTT exemption on properties with a Fair Market Value (FMV) of $500,000 or less;

    2.) A partial exemption of $8,000 for properties with a FMV over $500,000 and under $835,000;

    3.) A sliding scale exemption for properties with a FMV over $835,000 and under $860,000; and

    4.) No exemption for properties with a FMV over $860,000.