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Text Content

 * Home
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   * Home Purchase
   * Mortgage Refinance
   * Mortgage Renewal
   * First Time Home Buyers
   * Self Employed
   * Investment Properties
   * Alternative Lending
   * Next Home
 * Articles
   * Practice Your Mortgage
   * Cost for Residential Purchasers
 * Our Team
 * Testimonials
 * Apply Now
 * Schedule a Meeting
 * Get Started
 * Glossary
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   * Lawyer | Notary recommendations

Email Us Call Us



MORTGAGE EXPERIENCE YOU CAN RELY ON.

With so many mortgage options available, it's hard to know where to start. Trust
us to help find  the mortgage that best suits your needs.

GET STARTED



MORTGAGE EXPERIENCE YOU CAN RELY ON.

WITH SO MANY MORTGAGE OPTIONS AVAILABLE, IT'S HARD TO KNOW WHERE TO START. TRUST
US TO HELP FIND  THE MORTGAGE THAT BEST SUITS YOUR NEEDS.

GET STARTED


MORTGAGE FINANCING IN 3 EASY STEPS


GET STARTED RIGHT AWAY

The best place to start is to connect with us directly. The mortgage process is
personal. Our commitment is to listen to all your needs, assess your financial
situation, and provide you with a clear plan forward. 


GET A CLEAR PLAN

Sorting through all the different mortgage lenders, rates, terms, and features
can be overwhelming. Let us cut through the noise, we'll outline the best
mortgage products available with your needs in mind.


LET US HANDLE THE DETAILS

When it comes time to arranging your mortgage, trust that our team will make it
happen. We'll make sure you know exactly where you stand at all times. No
surprises. We've got you covered.

GET STARTED



SHAUN ZIPURSKY


SENIOR MORTGAGE BROKER

I've been helping clients like you achieve their dreams of homeownership through
strategic mortgage management since 1991. When you work with me, you put my
industry experience and product knowledge to work for you.




So regardless if you're buying your first home, an investment property, or
climbing the property ladder, let me help you with the mortgage strategy. My
team and I will ensure you're informed every step of the way.




If you're looking for a trusted mortgage broker to put the plan in place to
secure your next mortgage, you've come to the right place. I'm happy to provide
lifetime service to my clients.


MEET THE TEAM


WHAT PEOPLE SAY ABOUT WORKING WITH US...

Adelle Brown
4 days ago
Shaun helped us secure our first mortgage together over 10 years ago. When it
was time to find our new home we reached out to Shaun and we are so happy we
did! When we were in the "just looking" phase he was able to get us a
pre-approval within days of contacting him. When we found our new "forever home"
and getting offers on the sale of our current home, we had to act quickly! Shaun
and Cathy were always available for us to navigate all the numbers, documents
and signatures required, from multiple calls/texts to explain (or translate) the
different options available to secure mortgage/LOC etc. Highly recommend Shaun
and his team! Thanks Shaun and Cathy!!
Read more

Posted on
Google
April Gerbrandt
1 month ago
We are first time home buyers and this was our first experience with a mortgage.
Shaun and his team were amazing through the whole experience. They were on top
of communication, very knowledgeable and made us feel comfortable with the whole
transition.
Read more

Posted on
Google
Stephen Balnave
1 month ago
Shaun is our go to person for mortgages. He and his team have helped us secure
three different mortgages in the past, and are always available for consultation
and support when needed. He and his team always respond to our queries promptly
and address our needs and concerns. I have already recommended Shaun to family,
friends and colleagues on multiple occasions, and will continue to do so in the
future.
Read more

Posted on
Google
Tracy R
1 month ago
I can not say enough about Shaun. He was amazing! He makes things happen! His
kindness, patience and professional knowledge in finding funding for a short
term purchase was incredible. We will definitely be using him again for all our
upcoming mortgage needs.
Read more

Posted on
Google
Kamogelo Dube
August 13
Please Invest with Keisha Bradley to have a chance of earning legitimately and
having successful withdrawal of your bitcoins/crypto. My profit of $6472 earned
on her trading platform just reflected on my wallet. Her contacts are; Email:
keishabradleyfx@gmail.com WhatsApp: +46 73-725-8081
Read more

Posted on
Facebook
Taylor Reynolds
2 months ago
We approached Shaun when we decided that we were going to start looking to buy
property. We had little to no idea what we could qualify for which makes seeking
out a mortgage broker a little daunting. We didn't want to waste anyone's time
if we really couldn't afford anything on the market. Shaun immediately made us
feel at ease as he walked us through the many opportunities of how we could make
our dream a reality. What really made Shaun and Catherine extraordinary in our
eyes was when we found a place that was our perfect situation, however, we knew
if we had a shot at buying it, we would have to act very fast. Shaun and
Catherine jumped to our side as if there was nothing to worry about. They were
with us every step of the way from counter bidding to making sure our
documentation was in line with only 3 weeks to spare and 2 vacations sprinkled
over that short amount of time. They were clear and concise on what we needed
and offered endless help when we hit a snag or were confused about the
requirements. As mentioned above, when we were putting our offer on the house,
Shaun put the terms in a language that I could understand and it allowed me to
really know what I was getting myself into. I'm not sure if I would be a
homeowner if it wasn't for Shaun and Catherine. I would highly recommend them to
my family, friends or total strangers!
Read more

Posted on
Google



Read more from our collection of 5 star Google Reviews, or recommendations on
Facebook.


IF YOU'RE READY TO GET STARTED, GO AHEAD AND BEGIN WITH AN APPLICATION. 

APPLY NOW


MORTGAGE FINANCING FOR...

 * Home Purchase
 * Mortgage Refinance
 * Mortgage Renewals
 * First Time Home Buyers

 * Self-Employed
 * Investment Properties
 * Alternative Lending

GET STARTED


ARTICLES TO KEEP YOU LEARNING.


HOW TO SAVE MONEY FOR A DOWNPAYMENT

By Shaun Zipursky • 02 Oct, 2024
Whether you want to set aside money to buy a car or take a vacation, save up for
a down payment on a property, or plan for your retirement, the principles are
the same. However, as you’re reading this article on a website dedicated to
helping you secure mortgage financing, we’ll assume you want tips on how to save
for a down payment! The key to saving money is getting clarity - clarity around
your income and your expenses, developing and following a clear plan, and
seeking help from professionals who can help you see the big picture as well as
the details. Although this might seem fundamental, sometimes going back to
basics is the best place to start. Assess your income. If your goal is to save
money, you’ll need to identify just how much money you’ve got to work with! The
best way to do this is to write everything down. This could be with paper and a
pen or on a spreadsheet; whichever way works best for you is fine. The goal is
to have all your income in front of you! If you’re on a fixed income or receive
a salary for work, your calculations might be pretty simple. Use the income you
actually take home, not your gross income. Include an average of your variable
income sources like tips, overtime, bonuses, or shift differentials. You should
also include other income sources like an annual tax return, and child tax or
other government benefits. Spend time to make an exhaustive list of all your
income sources. Track your expenses. Once you’ve identified what you have to
work with on the income side, the next step is to figure out just how much you
actually spend to maintain your current lifestyle. Start by identifying regular
bills, then look at your discretionary spending. If you have a budget already in
place, you should be able to identify these numbers easily. If not, you can
expect that getting clarity around your expenses will be very enlightening. It
will be helpful to look through a few months’ worth of bank statements to see
just how much money you actually spend. Information is the key to finding
clarity. The more information you have, the more equipped you will be to save
money. Just like your income, write down all your expenses. This will allow you
to assess and reprioritize where you spend your money. Develop and follow a
plan. Once you have a clear picture of your income and expenses, you need to
figure out how to make more money than you spend. Although that sounds so
simple, it really isn’t. The majority of Canadians incur debt because they spend
more money than they make. This is why saving money can be so hard. But if we’re
going back to basics, remember this: if you’re spending more money than you're
making, you need to either increase your income or decrease your expenses to
start saving money. There are countless money-saving strategies on the internet;
consider following a few financial bloggers, and have fun learning about what
works best for you! Seek help from professionals. You’re probably here to learn
about how to save money for a down payment because you want to buy a home soon.
If that's the case, be assured you're in the right place. Putting together a
plan to secure mortgage financing is one plan you don't have to make on your
own. As independent mortgage professionals, it’s our job to help you navigate
all aspects of mortgage financing. Just like saving for a down payment is about
managing income and expenses, so is getting a mortgage. Income and expenses,
along with credit and property, are what a lender looks at when assessing your
suitability for a mortgage. So while you might assume that putting together a
plan to save for a down payment is where you should start, it might not actually
be the best place to start. Saving money takes time, and while you're doing
that, there are many other things you could be doing at the same time, like
building credit to increase your chances of qualifying for a mortgage sooner.
When you’re ready to assess your financial situation and put together a plan to
save for a down payment and get into a mortgage sooner, please get in touch. It
would be a pleasure to work with you.



OSFI ANNOUNCES REMOVAL OF STRESS TEST FOR UNINSURED MORTGAGE SWITCHES

By Shaun Zipursky • 26 Sep, 2024
Starting November 21, 2024, borrowers switching lenders with uninsured mortgages
will no longer face the stress test, thanks to a new policy from OSFI.
Previously, uninsured borrowers needed to prove they could afford their mortgage
at a higher rate, which created barriers to switching for better terms. This
change encourages competition among lenders and aligns the rules with insured
mortgages, providing more flexibility and choice for homeowners. The decision
responds to concerns raised by the Competition Bureau and reflects shifting risk
management trends in the mortgage market. Key Points: Applies to Straight
Switches: This policy is for borrowers switching lenders while maintaining their
loan amount and amortization schedule. Stress Test Removed: No more proving
affordability at higher rates during switches, allowing for easier access to
competitive offers. Supports Borrower Flexibility: Homeowners now have more
options to find the best mortgage rates at renewal without the stress test
obstacle. Why the Change? OSFI initially maintained the stress test to manage
risk but has now reversed this stance after evaluating that the original
concerns have not significantly materialized. This move is designed to balance
fairness for borrowers and enhance competition in the mortgage market. How It
Affects You For those with uninsured mortgages approaching renewal, this policy
change is a win. You'll now have the opportunity to seek out better mortgage
rates without facing a stress test, making it easier to reduce financial strain,
especially in a rising interest rate environment. Stay informed and take
advantage of these changes by reviewing your mortgage options today!



AN OVERVIEW OF THE HOME BUYING PROCESS

By Shaun Zipursky • 25 Sep, 2024
If you’re in the early stages of planning to buy either your first home or your
next home, you’ve come to the right place! Even if you’ve been through it
before, the home buying process can be daunting, but it doesn’t have to be when
you have the right people on your side! The purpose of this article is to share
a high-level view of the home buying process. Obviously, the finer details can
be addressed once you’ve submitted an application for pre-approval. But for now,
here are some of the answers to general questions you may have as you work
through your early preparations. Are you credit-worthy? Having an established
credit profile is essential when applying for a mortgage. For your credit to be
considered established, you’ll want to have a minimum of two trade lines (credit
cards, loans, or lines of credit) with a minimum limit of $2500, reporting for a
period of at least two years. From there, you’ll want to make sure that your
debt repayment is as close to flawless as possible. Think of it this way: Why
would a lender want to lend you money if you don’t have a history of timely
repayment on the loans you already have? Making your payments on time, as
agreed, is crucial. We all know, however, that mistakes can happen and payments
might get missed. If that's the case, it’s best to catch up as quickly as
possible! Late payments only register on your credit report if you're past due
by 30 days. How will you make your mortgage payments? When providing you with a
mortgage, lenders are trusting you with a lot of money. They'll want to feel
really good about your ability to pay that money back, over an agreed period of
time, with interest. The more stable your employment, the better chances you
have of securing mortgage financing. Typically, you’ll want to be employed in a
permanent position or have your income averaged over a period of two years. If
you’re self-employed, expect to provide a lot more documentation to substantiate
your income. How much skin do you have in the game? If you're borrowing money to
buy a home, you’re going to have to bring some money to the table. The best down
payment comes from accumulating your own funds supported by documents proving a
90-day history in your bank account. Other down payment sources, such as a gift
from a family member or proceeds from another property sale, are completely
acceptable. In Canada, 5% down is the minimum requirement. However, depending on
the purchase price, it might be more. Also, you need to be aware that you will
likely have to prove access to at least 1.5% of the purchase price to be
allocated for closing costs. How much can you afford? Here’s the thing. What you
can afford on paper and what you can afford in real life are often very
different amounts. Just because you feel you can afford the proposed mortgage
payments, know that you will have to substantiate everything through
documentation. The amount you actually qualify to borrow is based on many
factors, certainly too many to list in an article designed to provide you with
an overview of the home buying process. However, with that said, it’s never too
early in the home buying process to seek professional advice. Our services come
at no cost to you; it would be our pleasure to help. Working with an independent
mortgage professional will allow you to assess your credit-worthiness, provide
insight on how a lender will view your income, help you plan for a down payment,
and nail down exactly how much you can afford to borrow. And if you need help
putting together a plan to improve your financial situation, we can do that too.
If you’d like to discuss your financial situation and put together a plan to
secure mortgage financing, please get in touch!


GET STARTED


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VANCOUVER, BC V6H 1G7, CANADA.




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Mortgage Services (E. & O. E.)


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