Purchasing your first home may be a daunting experience.  Just phone or email us if you have a question or would like a phone consultation. We are not sales people.   Our focus is on educating you on your options so you can make an intelligent decision.   You'll be talking to top BC Mortgage Brokers who can assist you with the information you need to obtain the right  mortgage.   

Why talk to BC mortgage brokers? Mortgage brokers provide unbiased advice on the right type of mortgage for your requirements.  Your bank can only advice on their products.  We provide advice on over 40 lenders across Canada.  

Buying a Home

• Is it a good investment?

• Selecting a home type

• The key players in your purchase

• Purchase price checklist

Making your home mortgage interest tax deductible (NEW)

• Learn how to write-off mortgage interest using the Smith Maneouvre, a financial plan that could save you tens of  thousands

Financing a Home

• Using your RRSP

• Buying with as little as 5%

• Getting a pre-approved mortgage from BC mortgage brokers

• What type of mortgage should you chose?

• Steps in obtaining a mortgage for the first time 

• Mortgage related Costs

• Insurance products related to mortgages  

• Extended Amortizations (25, 30, 35 and 40 yr amortizations)

• Deferred Closing costs (New)

Zero Down Payment

• Purchase a home with no Down payment

• GE Mortgage's 5% cash back mortgages (offered by Scotia, Envision, Resmor) 

• Xceed Xecutive 100

• Benefits of no down payment

Interest only mortgages

• Can't afford mortgage payments? Consider just paying interest on your mortgage

What If You Are Self-Employed or Have Undocumented Income?

How Much Can You Really Borrow?

• Basement suite

• Co-applicant/guarantor 

• Specialized Programs - Solutions from BC mortgage brokers

Credit problems  

• Low credit scores, foreclosures, no credit, turned down by bank 

• Bankruptcy, Consumer Proposals, Foreclosure

• Private Mortgages - Is it right for you?

New Immigrants and High-Ratio Mortgages  

Mortgages for Non-Residents - As low as 15% down payment for US non-residents from BC Mortgage brokers

Cashbacks - Money you can use for renovations, furniture and other expenses  

Purchase + Improvement Program - Add the renovation costs to your mortgage

Mortgage Life Insurance - a hidden cost most home buyers don't consider  

"My job is done when you know your options"