Mortgage & Financing
5 Guides
Navigating mortgages in Canada can feel overwhelming. As a licensed mortgage broker and realtor, I break down pre-approvals, stress tests, down payments, and everything else you need to secure the right financing.
Mortgage Pre-Approval in BC — How It Works
What mortgage pre-approval is, why it matters, what documents you need, and how it differs from pre-qualification.
Mortgage Stress Test Explained — Canada (2026)
How Canada's mortgage stress test works, what qualifying rate you need to pass, and how it affects the amount you can borrow.
How to Avoid Mortgage Penalties When Selling
Understand prepayment penalties, how they're calculated for fixed vs. variable mortgages, and strategies to minimize or avoid them.
Fixed vs Variable Rate Mortgages — Canada Guide
The pros and cons of fixed and variable rate mortgages in Canada, and how to decide which option is best for your situation.
How Much Down Payment Do You Need in BC
Minimum down payment requirements in Canada by price range, how CMHC insurance works, and strategies for saving your down payment faster.