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Your Mortgage Pre-Approval
(...what you need to know)

Your Victoria Mortgage
Pre-Approval Experts:
Your Best Deal...
- Lenders Fighting For Your Business
- Lower Rates Than Your Bank
- Save Thousands in Payments
- Make An Offer With Confidence
What You'll Get...
- Professional Local Service
- Impartial Advice
- Comprehensive Needs Analysis
- Access to the Absolute Best Rates
How It Works:
Step 1: Your Mortgage Needs


Step 2: Your Application

Step 3: Your Pre-Approval

Important Factors for Your Mortgage Pre-Approval
Income Qualification
Credit Score
Down Payment Verification
Closing Costs Verification
Victoria BC Mortgage News and Trends
Bank of Canada to maintain current level rate policy
Bank of Canada will keep present level of policy rate until inflation objective is achieved, recalibrates its quantitative easing program The Bank of Canada today maintained the target of its for the overnight price on the highly effective lower bound of ¼ %, with the Bank Rate at ½ %
2020 Thoughts on Fixed vs Variable
Fixed or adjustable – it is the ongoing mortgage product decision many mortgage buyers are faced with. And it has only been made more complex since the beginning of the pandemic. Towards the second half of 2019, variable rates have been the most obvious and popular choice. But a great
Affordability and Alternative Lending Options Part 1
Motions within the rental market are excellent signs of the state of housing affordability. When folks cannot find the money to purchase, they rent, and also when there is an influx of renters in a field with constrained housing supply, landlords are in a position to demand more. In Victoria
Mortgage Stress Test Rate Drops to 4.79%
The Canadian national mortgage benchmark qualifying rate, or stress-test rate, has dropped for the second time in the past three months after 5-year fixed posted rate cuts by Canada’s major banks. The qualifying rate is now 4.79%, down from 4.94%. The current benchmark rate of 4.79% is just 0.15% above
Canadian & U.S. Central Banks Respond to Covid-19
On Friday afternoon March 13, 2020, Canadian policymakers from the Department of Finance, the Bank of Canada and the Office of the Superintendent of Financial Institutions (OSFI) announced a coordinated response to alleviate economic stress caused by the COVID-19 pandemic. The emergency measures, which are intended to ensure that the