Generated by All in One SEO v4.9.6.2, this is an llms.txt file, used by LLMs to index the site. # Pinsky Mortgages Getting You The Best Mortgage With The Least Amount Of Stress, Period. - Pinsky Mortgages ## Sitemaps - [XML Sitemap](https://pinskymortgages.ca/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Resources](https://pinskymortgages.ca/resources/) - Click here to read and learn more about our mortgage resources from Pinksy Mortgages in Vancouver, BC! Get started with us today! - [Down Payment Documentation](https://pinskymortgages.ca/down-payment-documentation/) - When purchasing a home, Canada's Anti-Money Laundering (AML) policies require us to provide for a(1) 90 day period,(2) where your money came from! The 90-day period is satisfied if you can provide: 3 months of bank/investment account statements, or 90-days of your transaction history. Need help? Let us know and we'll guide you through it. Confirming where - [How Does Real Estate Conveyance Work? 9 Questions Answered](https://pinskymortgages.ca/how-does-real-estate-conveyance-work-9-questions-answered/) - Real estate lawyer Khushhal Baines explains the real estate conveyance process, why it’s important, and what home buyers can do to prepare. - [Personalized Mortgage Strategies](https://pinskymortgages.ca/personalized-mortgage-strategies/) - Every one of our clients receive a personalized, in-depth Mortgage Strategy Guide. Your personalized strategy guide is created with your personal situation in mind and is also based on your ability to pay down your mortgage. By following your guide, you can reduce your overall mortgage costs and mitigate against rising mortgage interest rates! - [Read This Blog Before Buying a Condo in Downtown Vancouver](https://pinskymortgages.ca/read-this-blog-before-buying-a-condo-in-downtown-vancouver/) - #post_excerptGet informed about Downtown Vancouver’s condo market by reading or watching this interview with Realtor Ben Kay. 6 big questions answered! - [5 Things You Need to Know About General Contractors](https://pinskymortgages.ca/5-things-you-need-to-know-about-general-contractors/) - Understand how general contractors work, how you can upgrade the value of your home, & access government grants. 5 common questions answered - [Eitan Answers: Interest Rate Changes, and What Exactly Is Inflation?](https://pinskymortgages.ca/eitan-answers-interest-rate-changes-and-what-exactly-is-inflation/) - Eitan Pinsky and Adam Clarke talk about what to expect from Canadian interest rates and mortgage rates resulting from that. PLUS, get a primer on what exactly it means that inflation is rising. To hear his advice, watch the video below. - [How To Buy A Home In Vancouver's Low Inventory Market](https://pinskymortgages.ca/how-to-buy-a-home-in-vancouvers-low-inventory-market/) - When it comes to the current Vancouver housing market, there's a lot to talk about. Eitan and Cheryl from Cheryl Davie Real Estate discuss the housing inventory shortage, writing "subject-free" offers and supply and demand issues. To learn more, watch the video below. - [Doing things differently: How does a luxury LIVE auction work?](https://pinskymortgages.ca/doing-things-differently-how-does-a-luxury-live-auction-work/) - Is it a good idea to sell (or buy) a home through an auction? What is a buyer ‘cooling off period’? Eitan and Theo Birkner of Harcourts Real Estate have the scoop on this and more. Watch the full video below 👇 - [Who's Got Your Back? Insurance Advice with Brent from ZLC Financial](https://pinskymortgages.ca/whos-got-your-back-insurance-advice-with-brent-from-zlc/) - Eitan sits down with Brent Davis from ZLC Financial to answer common questions about life, disability and critical illness insurance. Watch the video below ⬇️ - [4 Common Mortgage Questions, 4 Good Answers](https://pinskymortgages.ca/4-common-mortgage-questions-4-good-answers/) - We answer common questions on mortgage underwriting, stress tests, tax deductions, and variable, floating, and adjustable interest rates. - [Home Inspections: Don't Bet the House](https://pinskymortgages.ca/home-inspections-dont-bet-the-house/) - What do home and condo inspections reveal? What do they miss? Sleep soundly in your new home by conducting an inspection before purchase. - [Are Accelerated Mortgages Worth it? It Depends.](https://pinskymortgages.ca/are-accelerated-mortgages-worth-it-it-depends/) - Faster? Yes. Better? Maybe. What are accelerated mortgages and how do you know if they’re right for you? We answer your questions. - [Buried Oil Tanks Turn Dream Homes into Nightmares](https://pinskymortgages.ca/buried-oil-tanks-turn-dream-homes-into-nightmares/) - Underground storage tanks, common before 1970, can lead to costly removals and soil remediation for buyers who fail to exercise caution. - [How to Get Approved for a Mortgage: Demystifying the Process](https://pinskymortgages.ca/how-to-get-approved-for-a-mortgage-demystifying-the-process/) - What do mortgage lenders look for? How do pre-approvals work? Why should you get one? Understanding puts you one step closer to move-in day! - [Understanding the Homebuyers' Plan: 10 Questions Answered](https://pinskymortgages.ca/understanding-the-home-buyers-plan-10-questions-answered/) - Is the Home Buyers’ Plan right for you? How does it work? We explain how you can & can’t leverage your RRSP savings to buy your first home. - [What is Mortgage Insurance? 7 Common Questions Answered](https://pinskymortgages.ca/what-is-mortgage-insurance-7-common-questions-answered/) - What is mortgage insurance? Do I need it? How does it help me and what will it cost? 7 common questions answered in plain English. - [Six Good Reasons to Use a Mortgage Broker When Buying a Home](https://pinskymortgages.ca/six-good-reasons-to-use-a-mortgage-broker-when-buying-a-home/) - Find out how a mortgage broker can save you money, hassle, and stress. Six reasons why using a mortgage broker is a no-brainer. - [Parental Assistance: Helping Your Child Buy a Home](https://pinskymortgages.ca/parental-assistance-helping-your-child-buy-a-home/) - Considering helping your child buy their first home? Understanding the financial and personal implications of various arrangements is key. - [How Much Mortgage Can I Afford? Calculate Your Budget](https://pinskymortgages.ca/how-much-mortgage-can-i-afford-calculate-your-budget/) - Understand mortgage calculators, terms, rules of thumb, and more in order to make budget decisions that work for you. Buy the right home! - [Four Pro Tips for Building Better Credit](https://pinskymortgages.ca/four-pro-tips-for-building-better-credit/) - Many people don’t know their credit scores, or what they can do to improve them. These 4 tips will help you build better credit. - [What is a Monoline Lender? Five Questions Answered](https://pinskymortgages.ca/what-is-a-monoline-lender-five-questions-answered/) - Get informed about monoline lenders and increase your mortgage options. Understand non-bank lenders and make better borrowing decisions. - [Soup Sisters & Broth Brothers](https://pinskymortgages.ca/soup-sisters-broth-brothers/) - On Sunday Eitan and Adam volunteered at Soup Sisters. They were supporting Atira Womens' Shelters Vancouver East Side: Sorella House and Aneki. They chopped, cut and grated their way towards the six fantastic soups that were delivered right after the event was over. There is an urgent need for low barrier supportive housing for young women in - [Finally: Some GOOD (important) News](https://pinskymortgages.ca/finally-some-good-important-news/) - Good News - LAWYER E-Signings Some lenders are allowing conveyancing through video conferencing or remote signing. Wooo!! Not all lenders allow this yet. So far, it's just (that I know of): Scotia, First National, Home Trust, RBC, RMG, MCAP.TD is a hard no so far… Not all lawyers can do this. Tony Spagnuolo, owner of Spagnuolo and Company, which - [Inflation & Its Effect on Real Estate](https://pinskymortgages.ca/real-estate-and-inflation/) - Real Estate in an Inflationary Market Inflation means that your dollar can buy less this year than it could last year, i.e. there is more money in circulation in the economy than before; all else being equal, a loaf of bread costs the same one year to another, save for inflationary effects. Tangible assets with - [CHMC Insured & Insurable Mortgage Changes](https://pinskymortgages.ca/2020-cmhc-changes/) - No more rumours… It's official. CMHC is decreasing affordability to first time buyers, anyone who has less than 20% down, and insurable (bulk insurance) mortgages.*please check out my more questions below…**There is no change to down payment rules… If you have clients who are purchasing with less than 20% down and their ratios are tight (or - [What Is A Mortgage Broker And Why Do You Need One?](https://pinskymortgages.ca/what-is-a-mortgage-broker-and-why-do-you-need-one/) - If you're planning to buy a home in Canada, one of your main concerns is likely what kind of financing you can get this year. A big factor that affects how much you pay in mortgage payments is the interest rate on the loan. There might be a difference of a fraction of a percent - [Everything You Need to Know About Canadian Mortgage Rates in 2021](https://pinskymortgages.ca/everything-you-need-to-know-about-canadian-mortgage-rates-in-2021/) - For the first time in over one year, Canadian mortgage rates are rising. While some home seekers may see the development as bad news, it’s still possible to find good property purchase funding options. A little bit of research and preparedness will go a long way. So, what exactly will the Canadian mortgage rates in - [The Brexit Effect on Canadian Mortgage Rates](https://pinskymortgages.ca/the-brexit-effect-on-canadian-mortgage-rates/) - Brexit and Canadian mortgages – what’s the link, you may ask? How could events on one side of the Atlantic Ocean affect the other? It turns out that the making or breaking of financial treaties and global trade agreements can have a direct effect on the individual, regardless of location. Back in 2016, when a - [Debt Culture: Canada’s Growing Debt & Credit Problem](https://pinskymortgages.ca/debt-culture-canadas-growing-debt-credit-problem/) - Canada's growing debt problem is at an all time high. The net debt of the federal and all of the provincial governments combined is forecasted to be $2.0 trillion in the fiscal year 2020/21, nearly doubled from a little more than a decade ago. But what does high national debt mean for the average household? - [10 Tips For Paying Off Your Mortgage Faster](https://pinskymortgages.ca/10-tips-for-paying-off-your-mortgage-faster/) - Your mortgage is likely the largest loan you’ll ever take out. No matter how long you take to pay it off, it’s a large monthly expense with a lot of money paid in interest. Even with today’s lower interest rates, the extra money you pay over a 20 or 30-year loan is substantial. How good - [Do Credit Inquiries Affect Your Credit Score?](https://pinskymortgages.ca/do-credit-inquiries-affect-your-credit-score/) - You probably know roughly what a credit score is, and that a higher number means good credit and a lower number means bad credit. You probably also know that having a bad credit score can negatively affect your ability to secure a loan. Many people, however, do not actually know their credit score number. Partly, - [Important Tips For Debt-Free Holiday](https://pinskymortgages.ca/important-tips-for-debt-free-holiday/) - You don't have to go into debt during the holidays! With a little bit of pre-planning and determination, you can enjoy your holidays and stay out of debt. Here are some tips and tricks for staying out of debt when planning for the holidays and some tips for cleaning up your credit before you go - [Federal Budget - Real Estate POV](https://pinskymortgages.ca/federal-budget-real-estate-pov/) - There are two items specific for first-time home buyers: Increase of Maximum Withdrawal from RRSPCMHC First-Time Homebuyer Incentive Eitan's General Commentary On a whole, I don’t believe there is much in this budget to alleviate the supply issues we’re facing - the housing measures are specifically focused on the demand side, without much encouragement or - [Your Business By Design](https://pinskymortgages.ca/your-business-by-design/) - FOR MORTGAGE BROKERS & REALTORS Are you counting how many referrals you get from current and past clients? We do! Apart from the amazing realtors who support us, the bulk of our introductions are from current and past clients. We also consistently get 5-star reviews from our clients, and we now have over 150 5-star reviews. I’m - [Mortgage Broker History and Mortgage Applications](https://pinskymortgages.ca/mortgage-broker-history-and-mortgage-applications/) - A little rant from my side… In the past, we had banks (bank as a catch all for credit unions and trust companies) and Mortgage Brokers. Writing mortgage applications is extremely difficult; there are a lot of moving parts in a mortgage. Because of this, banks employ mortgage specialists whose sole role is to provide - [Negative Interest Rates & The Economy](https://pinskymortgages.ca/negative-interest-rates-the-economy/) - I'd like to talk a little bit about interest rates. Did you know that there is a new Danish mortgage that has a negative interest rate? This almost seems like a dream… Why would a bank pay you to borrow money? Article on Denmark's Negative Interest Rates So how can this be true, and why is it - [Mortgage Professionals Now and Where We are Headed](https://pinskymortgages.ca/mortgage-professionals-now-and-where-we-are-headed/) - The next decade is going to see an evolution in how Canadians obtain mortgages. These shifts will transform the experience for both the mortgage professional and, more importantly, the borrower. I wrote an article about technology in the mortgage industry, explaining how technology will ease the average borrower’s ability to gather required information, submit applications and - [Open Banking for data - and power - back in YOUR hands](https://pinskymortgages.ca/open-banking-for-data-and-power-back-in-your-hands/) - As the Information Age has advanced, we have come to appreciate the value of our own data, something our parents or grandparents may have taken for granted. The information that institutions like banks have about our income, spending and financial status has been largely proprietary – in other words, there is information about us out - [What does a "Rate Hike" actually mean?](https://pinskymortgages.ca/what-does-a-rate-hike-actually-mean/) - TD Bank has just increased it’s posted rates and RBC will also on Monday. This increase, from 5.14% to 5.59% at TD, is the “biggest move in years.” The change came because of the bond yields increasing. We do expect every other lender to follow suit. But, actual interest rates have not changed… so what exactly - [Cannabis Legalization and Your Home](https://pinskymortgages.ca/cannabis-legalization-and-your-home/) - On Wednesday, October 17, Canada will legalize marijuana—becoming the second country in the world to do so. This has a host of implications for countless industries. For Canadian homeowners, it means they will be able to grow up to 4 plants per residence for personal use. But that could have its pitfalls. That’s because lenders currently HATE if - [What are Accelerated Payments?](https://pinskymortgages.ca/what-are-accelerated-payments/) - An accelerated payment is a mortgage payment that is increased slightly so that you can pay off your mortgage faster. - [All About Pre-Approvals](https://pinskymortgages.ca/all-about-pre-approvals/) - Are you in the market for a new home? That’s great – but if you’re not already pre-approved from your mortgage broker, be sure to read on. Pre-approvals are very important for two reasons. They give you confidence in knowing that a specific amount of financing is available for you.A pre-approval can put you in - [What is a Collateral Mortgage?](https://pinskymortgages.ca/what-is-a-collateral-mortgage/) - Collateral mortgages are registered on your home's title differently than regular mortgages. In some ways, the collateral mortgage can be beneficial. However, there are some facts about collateral mortgages that are important to know... Check out our video for more info! - [The Best Mortgage Options Are From Brokers](https://pinskymortgages.ca/best-mortgage-options-are-from-brokers/) - At Pinsky Mortgages, we have access to, and are experts in, hundreds of different mortgage products. We can guide our clients with the right mix of interest rate, options and mortgage flexibility that suits their needs. We even give our customers the choice between different mortgage products and lenders. Ultimately, it’s about choice and education. - [Keeping Your Credit Score Healthy](https://pinskymortgages.ca/keeping-your-credit-score-healthy-2/) - If you haven’t seen your credit score, you’re not alone. Many of our clients don’t know about their credit score or even know what it is when we first meet with them. During our initial consultation, we go over your complete credit report with you. As an added bonus, we’ll even teach you how to read - [Should I Lock in My Variable Mortgage?](https://pinskymortgages.ca/should-i-lock-in-my-variable-mortgage/) - Interest Rates Have Risen… The Bank of Canada Increased Rate by 0.25% Today… The global economy has continued to strengthen, which promoted the Bank of Canada to raise it’s interest rate for the third time since last summer. This immediately affects Variable Rate mortgages. Should I lock in my variable rate mortgage? For me, this is a - [$750 First Time Home Buyers' Tax Credit](https://pinskymortgages.ca/750-first-time-home-buyers-tax-credit/) - First-time home buyers of 2018 take note: you are probably eligible for a $750 rebate on your 2018 income taxes! The First-Time Home Buyers’ Tax Credit (HBTC) allows eligible first-time home buyers who purchased a home in 2018 to claim $5,000 on their federal income taxes for the purchase of the home. This works out to be - [The 4 Kinds of Mortgage Penalties](https://pinskymortgages.ca/the-4-kinds-of-mortgage-penalties/) - When you get your mortgage, you are generally locked into a specific interest rate for a specific amount of time. The amount of time that your interest rate is locked in for is called your term. For variable rate mortgages, the term would be the amount of time that your difference from prime is locked - [How to Apply for the BC HOME Partnership Program](https://pinskymortgages.ca/how-to-apply-for-the-bc-home-partnership-program/) - The new BC HOME Partnership Program (the Program) starts January 16, 2017. Application Link The BC program has the BC Government contributing an amount to first time home buyers who have already saved up for their down payment, matching up to 5% or $37,500 of the purchase price. This is a 25 year loan that is - [Is the BC HOME Partnership Program Worth It?](https://pinskymortgages.ca/is-the-bc-home-partnership-program-worth-it/) - The short answer is "Yes". The long answer is: YES, the BC HOME Partnership Program (the Program) is worth it in almost all scenarios. This is a long blog; please don’t hesitate to contact us for any technical questions.Refresher: what the program is and how to apply. We will be looking at three scenarios where this interest free mortgage loan - [Finalist - Canadian Mortgage Awards 2017](https://pinskymortgages.ca/canadian-mortgage-awards-2017/) - We are extremely proud, honoured and humbled to have been nominated and then chosen as a finalist in this year’s Canadian Mortgage Awards. The award category is for: Best Newcomer, Mortgage Broker Firm The award page can be found here. We’d like to thank all of our wonderful partners and clients. Thank you! The team at - [The New Mortgage Stress Test](https://pinskymortgages.ca/the-new-mortgage-stress-test/) - OSFI (the Office of the Superintendent of Financial Institutions), the bank regulator, has finally confirmed last week that all borrowers have to now undergo a “stress test” when it comes to new mortgages. Previously, this stress test was only in place for insured mortgages (borrowers who have less than 20% down) and for clients who - [6 Home Purchase Closing Costs](https://pinskymortgages.ca/6-home-purchase-closing-costs/) - When you purchase your home, there are 6 additional costs to account for. They include: Home Fire and Flood InsuranceTitle InsuranceLegal FeesAdjustmentsLand Transfer TaxGST Here’s an overview of what you can expect. Home and Fire Insurance. Mortgage lenders will require a certificate of fire insurance to be in place by the time you take possession - [BC Interest-Free Mortgage Loans Explained (Finally)](https://pinskymortgages.ca/bc-interest-free-mortgage-loans-explained/) - On December 15, 2016, the British Columbia government announced the BC Home Owner and Equity Partnership (BC HOME Partnership) to help 1st time home buyers by providing interest free loans to help with down payments. The Goal (as per the Province) To provide a repayable down payment assistance loans to 1st time home buyers. The Goods Must - ["Complexification" of Mortgage Rates](https://pinskymortgages.ca/complexification-of-mortgage-rates/) - This is probably going to be the most interesting mortgage tidbit you’ll read this month! And yes, I did make up a word. Comparing rates is going to get a whole lot harder! We are now going to see at least 3 to 4 different rate classes for mortgages in Canada. PreambleThe Canadian mortgage market used to - [Mortgage Rules Changes - Oct 3 '16](https://pinskymortgages.ca/mortgage-rules-changes/) - On October 3, 2016, the Federal Government tightened mortgage rules and closed a popular tax evasion loophole. The Financial Post has a great article about the changes (with videos). I’ve summarized the changes below in three categories: 1. Harder to Qualify for a Mortgage2. Capital Gains Exemption Loophole Closed3. Portfolio Insured Lenders Crippled Harder to - [Buying a Home? Your Title Matters...](https://pinskymortgages.ca/buying-a-home-your-title-matters/) - Joint Tenancy vs Tenancy in Common When you register your home, you have an important choice to make! Many people are unaware of the choice, or wonder what the difference is…or if this difference is even important. The type of your title registration is QUITE important – and I’d like to share with you the - [All About Canada's Home Buyers' Plan](https://pinskymortgages.ca/about-canadas-home-buyers-plan/) - The Home Buyers’ Plan is the only tax-free way to withdraw from your RRSPs to purchase your home. The Home Buyers’ Plan (HBP) is a program that allows you to withdraw money from your registered retirement savings plan (RRSP) to buy a home. You can withdraw up to $25,000 to pay for your home and - [What's Your Best Mortgage Rate?](https://pinskymortgages.ca/whats-your-best-mortgage-rate/) - “Mr. Mortgage Broker, please give me the best rate!” In the past, it was easy to give our clients the best mortgage rate available. Unfortunately, new government regulations have created a fragmentation of interest rates that make “giving you our best rate,” more complex. I wrote about these new government regulations in my blog: “The - [Vancouver's New Hospital - With Video!](https://pinskymortgages.ca/vancouvers-new-hospital-with-video/) - A look at the change of location of St. Paul’s Hospital St. Paul’s By the Numbers St. Paul’s is moving from the 6.5 acres on Burrard to a new 18.5 acre campus east of Science WorldBeds are increasing from 435 to 700New research and teaching programs being instituted due to increased space The Movement of - [Vancouver's Evergreen Line](https://pinskymortgages.ca/vancouvers-evergreen-line/) - Why is the Evergreen Line Important? Fast, frequent, and convenient transit from Coquitlam to Vancouver via Port Moody and BurnabyDirect connection, without transfers, to what is currently the Millennium LineIncreases transportation choice and reduces auto useReduces travel time and congestion to and from work70, passengers per day expectancyIncrease density along Evergreen Line The Scope of the Evergreen - [Vancouver (And Coquitlam's) Evergreen Line](https://pinskymortgages.ca/vancouvers-evergreen-line-coming-fall-2015/) - After several years of work, the much-anticipated Evergreen Line opened in December of last year. With it, B.C. now boasts the longest fully-automated rapid transit line in the world! Advantages of the Evergreen Line Fast, frequent, and convenient transit from Coquitlam to Vancouver via Port Moody and Burnaby Increases transportation choice and reduces auto useReduces travel - [Vancouver's Duplex Rules and a New Mayor](https://pinskymortgages.ca/vancouvers-duplex-rules-and-a-new-mayor/) - In a move to increase Vancouver’s supply of housing, City Council recently approved a new zoning policy that permits duplexes in 99% of single-family neighbourhoods. That adds up to about 67,300 of the 68,000 lots in Vancouver – or, 57% of its land mass. The policy change came after two days of public hearings in - [Vancouver's Changing Retail Landscape!](https://pinskymortgages.ca/vancouvers-changing-retail-landscape/) - There’s no better time to be a shopper in Vancouver than the present! New malls are under construction and old ones are under renovation. Four of Canada’s 20 most productive shopping malls are located in Metro Vancouver, with Pacific Centre and Oakridge Shopping Centre earning 1st and 3rd place respectively on the overall productivity rating. Retailers from around the - [Vancouver rolls out new Airbnb measures](https://pinskymortgages.ca/vancouver-rolls-out-new-airbnb-measures/) - In an effort to ease its falling vacancy rates and soaring rental prices, Vancouver became the first city in Canada to crack down on short-term home rentals. Here’s what you need to know about the new regulations. New short-term rental regulations On November 14, 2017 – following two days of public hearings in October – - [A New Plan for Vancouver's False Creek Flats](https://pinskymortgages.ca/vancouver-false-creek-flats/) - You might have heard that the industrial area near Vancouver’s core, known as the False Creek Flats, is undergoing a dramatic transformation. Over the last couple of years, the City of Vancouver has been busy with a planning process aimed at unlocking the untapped potential of the area. To do that, it teamed up with Vancouver Economic - [Vancouver as a Tech Hub](https://pinskymortgages.ca/vancouver-as-a-tech-hub/) - Vancouver’s Tech History Vancouver’s economy has transformed dramatically over its short history. The city initially came to be as a thriving coastal town with a wealth of mills, trade, and gold rushes. Today, the city’s economic landscape has flourished from its humble roots to the point that Vancouver has been dubbed “Silicon Valley North”. BC - [Up-and-Coming Marpole](https://pinskymortgages.ca/up-and-coming-marpole/) - Marpole is a neighbourhood located at the southernmost part of Vancouver that’s known for its tight-knit feel and unpretentious vibe. It’s characterized by contrasts – filled with both aging walk-ups and high-rise towers, seniors and students, independents shops and big-box retailers. Its proximity to Vancouver and the airport coupled with more affordable housing prices make - [The Township of Langley](https://pinskymortgages.ca/the-township-of-langley/) - When people think of Langley, country farms, beautiful parklands and sprawling properties usually come to mind. The suburb may even conjure up images of wineries and horses (it is the horse capital of BC, after all). While rural beauty is a big part of its character, Langley also boasts a vibrant urban energy and robust - [The Mortgage Insurance Market & Wholesale Lenders](https://pinskymortgages.ca/the-mortgage-insurance-market-wholesale-lenders/) - The Canadian mortgage market used to be very simple. We had the big banks, credit unions, and trust companies. However, almost 20 years ago, the Canadian government made three major changes to the Canadian mortgage industry. First, the government and CMHC put their weight behind Canadian mortgages by guaranteeing an insurance payout to lenders in - [The "City" of Lougheed](https://pinskymortgages.ca/the-city-of-lougheed/) - With traditional retail changing and a rising demand for houses, savvy developers have been turning shopping centres – along with their vast parking lots – into mini cities. Here, we take a look at one that’s doing just that: transforming Burnaby’s Lougheed Town Centre mall into The City of Lougheed. Led by Shape Properties, it’s - [The Bank vs. The Broker](https://pinskymortgages.ca/the-bank-vs-the-broker/) - The Bank vs. The Broker The broker works for you. The bank doesn’t. This is critical to consider when making the important decision of who to work with in your mortgage approval – and better yet, education – process. The unique value of a professional mortgage broker comes from having someone who works directly for - [Technology in Mortgages and Real Estate](https://pinskymortgages.ca/technology-in-mortgages-and-real-estate/) - Technology is a Force! Technology is already playing a huge role in the mortgage industry. In the past, mortgage applications had to be physically taken by hand and faxed in (what’s fax anyways?!)... It may soon by possible, with technology’s help, for borrowers to be able to fill out their own application and send it, - [Sizing Up Vancouver's Wooden Skyscrapers](https://pinskymortgages.ca/sizing-up-vancouvers-wooden-skyscrapers/) - The high-rises that make up our beautiful skyline are built primarily with steel and concrete. That’s the way it’s been for much of the twentieth century. However, one of our oldest materials has experienced a renaissance in recent years: there’s a growing movement of using timber to build towers. Why Wooden Skyscrapers? They are energy - [Seymour and Deep Cove](https://pinskymortgages.ca/seymour-and-deep-cove/) - The North Shore is made up of several different communities. Seymour, with its relaxed vibe, charming shops and restaurants and, of course, endless list of recreational activities, has long appealed to families and outdoorsy types. Residents have access to excellent skiing, hiking, mountain biking, kayaking and paddle boarding all in their backyard. Boundaries The area of Seymour - [Revitalizing the False Creek Flats](https://pinskymortgages.ca/revitalizing-the-false-creek-flats/) - Less than a kilometre from downtown Vancouver, you’ll find a 450-acre tract of land that’s traditionally been known for rail lines, warehouses and industrial operations: the False Creek Flats. The area—which is bounded by Main street to the west, Prior Street to the north, Clark Drive to the east, and Great Northern Way to the south—has - [CHIP: Reverse Mortgages](https://pinskymortgages.ca/reverse-mortgages/) - So what IS a Reverse Mortgage you ask? A reverse mortgage is a loan which is secured against your home – it allows you access to the equity that you’ve built up in your home. The main reasons to get a reverse mortgage in Canada are: Get approved without ANY CREDITGet approved without ANY INCOMEDo - [Reimagining Granville Island](https://pinskymortgages.ca/reimagining-granville-island/) - Four decades ago, Granville Island was nothing more than a gritty and neglected industrial area. In the 1970s, the federal government invested $20-million to dramatically improve the 38-acre chunk of land—transforming it into a bustling, multi-use public space that’s now home to hundreds of retail shops, artist spaces, a market and more. It’s an extraordinary - [Interest Rates Should Be Decreasing...](https://pinskymortgages.ca/rates-should-be-decreasing-stress-test-rumours/) - It’s December 2018 and Interest Rates should be Decreasing.We also address some Stress Test Rumours. Originally written yesterday and sent to our realtor, financial planner, and lawyer partners. Current Interest Rates and Rate Commentary The vast majority of mortgage brokers are advising their clients to take the variable rate. However, at Pinsky Mortgages, we know that - [Pinsky Mortgages Reaches Top 75 in Canada!](https://pinskymortgages.ca/pinsky-mortgages-reaches-top-75-in-canada/) - We are thrilled to have placed 43rd out of Canada’s top 75 mortgage brokers in 2017. This is the second year in a row we ranked in the top 75 brokers across the country and one of the best mortgage brokers in Vancouver BC! We feel very lucky to serve our clients and our realtors - [Monoline Lender Explained](https://pinskymortgages.ca/monoline-lender-explained/) - Your Choice For Your Mortgage In the current market of hot real estate and historically low interest rates, knowing you have a choice of lender is a valuable piece of knowledge! Most people are aware of what the big banks offer (or seemingly what they offer – make sure you read the fine print!) when - [Vancouver Laneway Living](https://pinskymortgages.ca/laneway-living-in-vancouver/) - Laneway homes have been growing in popularity lately. However, many Vancouverites are unfamiliar with the concept. So, what exactly are laneway homes? As the name implies, a laneway home is a smaller, detached home tucked away in the rear of a residential lot — where a garage usually sits. Laneway homes come with a host - [Keeping Your Credit Score Healthy](https://pinskymortgages.ca/keeping-your-credit-score-healthy/) - Do You Know Your Credit Score? There is a lot of mis-information floating around about credit bureaus, credit reports and credit scores – not only that, but a large amount of the clients I work with have never even seen their credit report or score before! When you meet with me, I will go over - [July 10th Interest Rate Commentary](https://pinskymortgages.ca/july-10th-interest-rate-commentary/) - July Rate Hike is Likely But Then Pause…? The Bank of Canada will meet on Wednesday (July 11th) to decide on its latest move on interest rates next week and many are expecting an increase from 1.25% to 1.50%. But once July’s hike is done, things become less clear as the economy is showing some mixed signals. *As - [Insured, Insurable, and Uninsurable Mortgages](https://pinskymortgages.ca/insured-insurable-and-uninsurable-mortgages/) - Mortgage Interest Rate Tiers Since we know that lenders can back-end insure our mortgages (please read our Mortgage Insurance Market and Wholesale Lenders article first), and that this specifically makes these mortgage investments more attractive to investors, what does it mean for borrowers (every day people like you and me)? To recap, any mortgage that - [Home Price Economics & BC's Interest Free Loans](https://pinskymortgages.ca/home-price-economics-bcs-interest-free-loans/) - On December 15, 2016, the Government of British Columbia announced the BC Home Owner and Equity PartnershipBC HOME Partnership) to help first time home buyers with their mortgages. The plan is to provide interest free loans that can be put toward down payments. The Province’s goal is to provide repayable downpayment assistance loans to first time home - [Home Improvement Plan](https://pinskymortgages.ca/home-improvement-plan/) - ABOUT: Home Improvement Plan Mortgage Get pre-approved for up to $60,000 to customize any home, paid for by your mortgage! Once you’ve found a great property, you may still need to add some updates: the home may need a new roof and you could really want to update that old kitchen. Fixing a roof or updating an older kitchen - [Greenest Living in Vancouver](https://pinskymortgages.ca/greenest-living-in-vancouver/) - A Community Unlike Any Other! We all know that the Olympic Village was built for the 2010 Vancouver Olympic Games but did you know that the Village is also one of the greenest communities in the world and is a leader in sustainable development? Almost every development has some sort of green technology – whether - [FTHBI - First Time Home Buyer Incentive - Better Than We Thought!](https://pinskymortgages.ca/fthbi-first-time-home-buyer-incentive-better-than-we-thought/) - The new First-Time Home Buyer Incentive allows first-time homebuyers, who have the minimum down payment, to apply to for a shared equity loan from the government. The interest free loan is 5% of the value of a resale home, and 5% or 10% for homes purchased straight from developers. *An amount in between 5% and 10% - [DLC's Legend Award Awarded to Pinsky Mortgages](https://pinskymortgages.ca/dlcs-legend-award-awarded-to-pinsky-mortgages/) - We are extremely honoured and proud to have been awarded the Dominion Lending Centres' Legend Award for 2019. To receive this award, our team has placed in the top 0.4 per cent of DLC's mortgage professionals in Canada. Eitan thanks, and gives a huge shout out to, the Pinsky Mortgages Team, our realtors and partners, and - [Credit Unions - An Alternative Lender](https://pinskymortgages.ca/credit-unions-an-alternative-lender/) - The Credit Unions Credit Unions are often overlooked as a choice for your mortgage lender – but there are reasons why considering a Credit Union might be well worth your while. One of the primary attractions for Credit Unions is that they are regulated provincially, so they are not restricted by the Federal regulations that - [Co-working Spaces in Vancouver](https://pinskymortgages.ca/coworking-spaces-in-vancouver/) - The days where the majority of the self-employed opt for cafes and kitchen tables as their office of choice could soon be behind us. With the rise of the gig economy over the last decade, a whole new industry has emerged to cater to these workers: co-working spaces. The idea behind co-working spaces is simple: members - [Companies That Call Vancouver Home "Headquarters Vancouver"](https://pinskymortgages.ca/companies-that-call-vancouver-home-headquarters-vancouver/) - IT’S NO SECRET,IT’S PRETTY AWESOME HERE! We all know just how amazing Vancouver is to live in, but did you know that Vancouver is one of the very few cities in the world where people actually live AND work in it’s core? “Vancouver frequently ranks highly as one of the world’s most livable cities, and - [A Profile of Vibrant Burnaby Heights](https://pinskymortgages.ca/burnaby-heights/) - Burnaby Heights, or “The Heights” as it’s called, is a community in North Burnaby that’s lauded for its charm and accessibility. The area boasts stunning views, great parks and trails, mom and pop shops, and no shortage of delicious eateries. It’s the kind of place where everyone seems to know each other. The area is - [All About Squamish](https://pinskymortgages.ca/all-about-squamish/) - Squamish has carved out quite a reputation for itself. Over the years, it’s transformed from a logging town, to a pit stop for gas on the way to Whistler, to what is now one of the premiere outdoor destinations in North America. A Rich History Squamish was originally inhabited by the Squohomish, a group of - [A History of Gastown: Then and Now](https://pinskymortgages.ca/a-history-of-gastown-then-and-now/) - A national historic site, Gastown is a bustling urban centre, full of charm, nightlife, fabulous shopping, and many of the city’s most acclaimed restaurants. History of Gastown Established the same year that Canada became a nation, Gastown is the oldest neighbourhood in downtown Vancouver. Named after “Gassy” Jack Deighton, a Yorkshire seaman who opened the - [4 Not To Be Missed VanCity Events](https://pinskymortgages.ca/4-not-to-be-missed-vancity-events/) - There are some interesting & unusual events that are coming to Vancouver this summer… we wanted to round out what we think would be the most fun, have-to-attend events that will be here in Vancouver… Let’s Be Kids Again Slide the City (North Vancouver) – 1000-foot long slip’n’slide! A highly anticipated event…we thought we were going to - [4 Items for a Great Credit Score](https://pinskymortgages.ca/4-items-for-a-great-credit-score/) - There is a lot of misinformation floating around about credit reports and credit scores – not only that, a large number of the clients we work with have never even seen their credit report or score before! When our clients meet with us, we will go over the details of credit reports and also their - [3 Mortgage Pre-Approval Musts](https://pinskymortgages.ca/3-mortgage-pre-approval-musts/) - Preparing For Your Pre-approval Owning your own home is one of the best feelings in life. Most people will need a mortgage however, since having enough cash to purchase your home outright is few and far between nowadays. The problem is that, you don’t simply need a mortgage – you need to qualify for one - [2019 Finalist: Mortgage Broker of the Year](https://pinskymortgages.ca/2019-finalist-mortgage-broker-of-the-year/) - I am extremely honoured to have been chosen as a finalist in this year's Canadian Mortgage Awards. A full list of the finalists can be found here. Winners and awards will be revealed at the awards gala on Friday, April 26th at The Liberty Grand Toronto. THANK YOU! I would like to thank, and give - [10 Ways to Winterize Your Home and Protect Your Investment](https://pinskymortgages.ca/10-ways-to-winterize-your-home-and-protect-your-investment/) - Your home is your castle, and should be treated as such! For most of us, it’s the largest investment we’ll ever make and, in Canada, winterizing it is part of the drill. Follow these ten steps to protect your nest, save money, live comfortably, and sleep peaceably. Disconnect and Drain Hoses In order to prevent - [Tenants in Common vs. Joint Tenancy: What's Right for You](https://pinskymortgages.ca/tenants-in-common-vs-joint-tenancy-whats-right-for-you/) - Compare tenants in common and joint tenancy to find the right property ownership structure for you. Get insights and tips from Pinsky Mortgages. - [Cash-Out Refinancing in 2026: Unlocking Home Equity for Renovations, Investments, or Debt Consolidation](https://pinskymortgages.ca/cash-out-refinancing-2026-home-equity-guide/) - Learn how cash-out refinancing in 2026 lets homeowners unlock home equity for renovations, investments, or debt consolidation. - [The Ultimate Guide to Refinancing Your Mortgage in 2026: Timing, Benefits, and Strategies](https://pinskymortgages.ca/mortgage-refinancing-guide-2026/) - Learn when to refinance your mortgage in 2026, key benefits, timing strategies, and how homeowners can use equity to lower payments or consolidate debt. - [First-Time Homebuyer's Roadmap for 2026: Overcoming Affordability in Vancouver](https://pinskymortgages.ca/first-time-homebuyers-roadmap-2026-vancouver/) - A 2026 roadmap for first-time homebuyers in Vancouver with strategies to overcome affordability challenges, save for a down payment, and secure a mortgage. - [Navigating Mortgage Options in 2026: AI Tools & Non-QM Loans](https://pinskymortgages.ca/ai-mortgage-tools-non-qm-loans-2026/) - Discover how AI tools and Non-QM loans are transforming mortgage approvals in 2026 and creating new options for self-employed borrowers and investors. - [Why First-Time Home Buyers Are in a Great Position in the Vancouver Housing Market for Spring 2026](https://pinskymortgages.ca/spring-2026-vancouver-first-time-home-buyers/) - Spring 2026 offers strong opportunities for first-time buyers in Vancouver with better rates, balanced inventory, and improved affordability. - [The 2026 Mortgage Sweet Spot: Why Rates Are Finally Cooperating (And How to Lock In Before They Don't)](https://pinskymortgages.ca/2026-mortgage-sweet-spot-rates-lock-in/) - Explore the 2026 mortgage sweet spot, why rates may finally cooperate, and how to lock in a great rate before they rise again. - [Why AI Won't Replace Your Vancouver Mortgage Broker: Insights from My Feature in MPA Magazine](https://pinskymortgages.ca/why-ai-wont-replace-vancouver-mortgage-broker/) - Learn why AI can’t replace human mortgage advice and how brokers still provide trusted guidance for Vancouver homebuyers. - [Ring in 2026 Ready to Buy: 7 Essential Steps to Secure Your Mortgage Pre-Approval Before January 1](https://pinskymortgages.ca/ring-in-2026-ready-to-buy-7-essential-steps-to-secure-your-mortgage-pre-approval-before-january-1/) - Picture this: It's December 31, 2025, and as fireworks light up Vancouver's skyline from Coal Harbour to the North Shore mountains, you're not just toasting to the new year—you're toasting to your future home. With the Bank of Canada's rates holding steady at 2.25% and forecasts pointing to a 10.7% sales surge in BC next - [Smart Holiday Budgeting: Enjoying Christmas in Vancouver Without Stretching Your Mortgage](https://pinskymortgages.ca/smart-holiday-budgeting-enjoying-christmas-in-vancouver-without-stretching-your-mortgage/) - As the crisp Vancouver air turns festive with twinkling lights on Granville Island and the scent of evergreen from Stanley Park, it's hard not to get swept up in the holiday magic. But for homeowners juggling a mortgage in our competitive BC housing market, the "Xmas" cheer can quickly turn into financial jitters. You're not - [Supercharge Your Credit Score Before 2026: Unlock Vancouver's Best Mortgage Rates and Stress-Free Homeownership](https://pinskymortgages.ca/supercharge-your-credit-score-before-2026-unlock-vancouvers-best-mortgage-rates-and-stress-free-homeownership/) - As Vancouver's November chill sets in on November 25, 2025—with holiday lights twinkling along Robson Street and the faint promise of Stanley Park's winter wonderland—it's the perfect time to hit reset on your finances. Why? With Bank of Canada rates steady at 2.25% and BCREA forecasting a 10.7% sales surge in BC for 2026, our - [US Jobs Disappearing - Canadian Rates Decreasing](https://pinskymortgages.ca/us-jobs-disappearing-canadian-rates-decreasing/) - US Jobs Disappearing - Canadian Rates Decreasing Private and public data is showing a weakening in the US job market, even though the US isn't releasing much details. Payroll estimates suggest that employers will cut thousands of jobs a week, which appears more like the start of a recession than a soft patch for the - [Your 2026 Homeownership Roadmap: Smart Strategies for Buying, Refinancing, and Building Wealth](https://pinskymortgages.ca/your-2026-homeownership-roadmap-smart-strategies-for-buying-refinancing-and-building-wealth/) - Your 2026 Homeownership Roadmap: Smart Strategies for Buying, Refinancing, and Building Wealth The Vancouver real estate market is dynamic, challenging, and historically one of the most robust wealth-building vehicles in Canada. As we look ahead, planning for homeownership in 2026 starts today. Whether you are a first-time homebuyer looking to enter the market, a homeowner seeking to - [Predictions for the 2026 Mortgage Market in Vancouver, BC](https://pinskymortgages.ca/predictions-for-the-2026-mortgage-market-in-vancouver-bc/) - Kitsilano: Vancouver’s West Side hub of sun, sand, and community. Explore Kits Beach, craftsman charm, Seaside Greenway, markets, and vibrant festivals. - [Kitsilano: It’s a Vibe](https://pinskymortgages.ca/kitsilano-its-a-vibe/) - Kitsilano: Vancouver’s West Side hub of sun, sand, and community. Explore Kits Beach, craftsman charm, Seaside Greenway, markets, and vibrant festivals. - [Refinance vs Renewal: Unlock Savings for Vancouver Homeowners](https://pinskymortgages.ca/refinance-vs-renewal-mortgage-vancouver/) - Discover whether refinancing or renewing your mortgage saves you more. Compare costs, rates, and equity options tailored to Vancouver homeowners. - [All About OSFI's New Rental Guidelines](https://pinskymortgages.ca/all-about-osfis-new-rental-guidelines/) - Discover OSFI's latest guidance on income-producing rental properties. No direct underwriting changes, but expect higher capital reserves and potential rate increases for investment mortgages. Key insights for advisors. - [Unlock Vancouver Home Equity for a Joyful Christmas: Smart Tips & Strategies](https://pinskymortgages.ca/vancouver-home-equity-holiday-strategies/) - Tap into your Vancouver home equity for holiday joy—explore HELOCs, refis, and smart tips to spend wisely this Christmas without credit card stress. - [How Life Stages Influence Mortgage Choices: Insights for Vancouver's Growing Families](https://pinskymortgages.ca/vancouver-family-mortgage-strategies/) - Discover how life stages impact mortgage choices for Vancouver families. Get tailored strategies from Pinsky Mortgages for every phase of life. - [Navigating Mortgages for Growing Families: A Guide to Life Stages in Vancouver](https://pinskymortgages.ca/vancouver-family-mortgage-guide/) - Explore mortgage tips for every life stage in Vancouver—from first homes to refinancing. Family-focused strategies from Pinsky Mortgages since 2007. - [Understanding Mortgage Rates and Choosing a Good Mortgage Broker](https://pinskymortgages.ca/mortgage-broker-best-practices-rate-planning/) - Learn how a good broker blends rate understanding with tailored planning—fixed vs. variable, term pricing, and suitability. Short and practical. - [How Pinsky Mortgages' 40-Step Process Benefits Different Clients: From First-Time Buyers to Investors in BC](https://pinskymortgages.ca/mortgage-process-benefits-different-clients-bc/) - Wondering how a detailed mortgage process can tailor to your specific needs in Vancouver? Pinsky Mortgages' 8-workflow, 40-step system is designed for flexibility, addressing the unique challenges of various clients while securing the best mortgage rates in Vancouver. As Your Expert Team since 2013, we focus on unbiased, client-centered service. Our process includes securing at - [Understanding Pinsky Mortgages' 8-Workflow, 40-Step Process: Your Guide to Stress-Free Mortgage Approval in Vancouver](https://pinskymortgages.ca/comprehensive-mortgage-process-vancouver/) - Discover Pinsky Mortgages' comprehensive 8-workflow, 40-step process for stress-free mortgage approval in Vancouver. Get unbiased advice and the best rates today. - [Ultimate Guide to HELOC Loans in Vancouver: Unlock Your Home's Potential](https://pinskymortgages.ca/ultimate-guide-heloc-loans-vancouver/) - Discover how HELOC loans work in Vancouver, their benefits for homeowners, and expert tips from Pinsky Mortgages. Unlock your home equity stress-free today. - [How HELOC Loans Can Transform Your Finances: Case Studies from Vancouver Homeowners](https://pinskymortgages.ca/heloc-loans-transform-finances-vancouver/) - Explore how HELOC loans help with debt consolidation, renovations, and investments in Vancouver. Real insights from Pinsky Mortgages' expert team. - [Mortgage Broker in Vancouver, BC: How the June 2025 GST Relief Affects You](https://pinskymortgages.ca/mortgage-broker-in-vancouver-bc-how-the-june-2025-gst-relief-affects-you/) - Vancouver first-time home buyers: Save up to $50K with June 2025 GST relief! Contact Pinsky Mortgages for expert guidance & maximize your savings. - [American Treasury Yields - The Great Rollover](https://pinskymortgages.ca/american-treasury-yields-the-great-rollover/) - The $11 trillion US Treasury rollover in 2025 will drive up bond yields and Canadian mortgage rates. Learn why 4%+ rates are the new normal and how to plan. - [Navigating the Spring Housing Market: Tips for First-Time Homebuyers](https://pinskymortgages.ca/spring-housing-market-tips-first-time-buyers/) - Learn how to navigate the spring housing market with expert tips for first-time homebuyers. Get the best deal in a competitive season. - [What's Happening with Interest Rates?](https://pinskymortgages.ca/whats-happening-with-interest-rates/) - Variable rates are falling! - Fixed rates are rising? (read on) What's Happening Now (March 15, 2020) Bottom Line... Eitan's Suggestion: If you're getting a fixed rate of 2.64% or lower, you're doing pretty well vs the variable. Quick Math: The graph below shows a $500,000 mortgage and the difference between a fixed rate of - [What to Include in a Home Emergency Kit](https://pinskymortgages.ca/what-to-include-in-a-home-emergency-kit/) - Natural disasters or extreme events can trap us in our homes or force us to flee them. Include these items in your home emergency kit. - [Why Working with a Mortgage Broker in Vancouver is a Smart Choice](https://pinskymortgages.ca/why-working-with-a-mortgage-broker-in-vancouver-is-a-smart-choice/) - Discover why working with a mortgage broker in Vancouver is a smart move. Get expert advice, access better rates, and simplify your home buying journey. - [Cryptocurrencies, Blockchain and Canadian Mortgages](https://pinskymortgages.ca/cryptocurrencies-blockchain-and-canadian-mortgages/) - So where is Canada with regards to Crypto and Blockchain? In this article, we will explore a few haphazard topics in a fun way... - [Bank of Canada Reduces Rates](https://pinskymortgages.ca/bank-of-canada-reduces-rates/) - The Bank of Canada (BoC) reduced the overnight rate by 0.50% on 3rd March 2020. In the grand scheme of things, this is a pretty large reduction. Yesterday Today 1.75% 1.25% The BoC followed the U.S. with a rate cut to soften the blow of coronavirus. In a written statement about the announcement, the - [6 Things Every Millennial Home Buyer Should Know](https://pinskymortgages.ca/6-things-every-millennial-home-buyer-must-know/) - The process of securing a mortgage and buying a house is a potentially intimidating one. Those entering the housing market for the first time, including many Millennials, can become overwhelmed if they don’t receive solid advice. Heed the following six tips and enter the housing market with confidence. Credit Matters No surprise, lenders will be - [5 Things to Look For in a Mortgage Broker in 2022](https://pinskymortgages.ca/5-things-to-look-for-in-a-mortgage-broker-in-2022/) - There’s more mortgage brokers in Canada than ever before.. How do you even tell them apart? Ensure your broker meets these 5 criteria. - [How Tariffs Could Impact Canadians](https://pinskymortgages.ca/how-tariffs-could-impact-canadians/) - Learn how tariffs impact Canadians, affecting mortgages and the housing market. Get insights from Pinsky Mortgages. - [Navigating the Impact of US Tariffs on Canada](https://pinskymortgages.ca/navigating-the-impact-of-us-tariffs-on-canada/) - U.S. tariffs on Canadian goods may raise prices, disrupt supply chains, and weaken the economy. How will this impact you? Explore the effects and predictions. - [UBC Skytrain extension officially a top priority for the Province](https://pinskymortgages.ca/ubc-skytrain-extension-officially-a-top-priority-for-the-province/) - The UBC SkyTrain extension is coming. See how this project will impact housing, transit, and real estate in Vancouver. Learn about the costs, benefits, and what it means for your community and daily life. - [Population Control](https://pinskymortgages.ca/population-control/) - Canada’s immigration policy is changing, with cuts to temporary residents and caps on student permits. Learn how these shifts could impact the economy, labor shortages, and universities in the coming years. - [Here's Why the Canadian Dollar Sucks So Much!](https://pinskymortgages.ca/heres-why-the-canadian-dollar-sucks-so-much/) - Discover why the Canadian dollar is dropping and how it affects your wallet. Learn about exchange rates, economic trends, and what it means for Canadians traveling, shopping, or running businesses. Stay informed with this easy-to-understand guide. - [Pent Up Demand](https://pinskymortgages.ca/pent-up-demand/) - It's really important to note that Canada's population grew by 3.3%. This is much stronger than every other OECD country. The surge in population growth is primarily from new permanent residents, temporary foreign workers and students. However, the government also wants 400,000 new permanent residents every year for the next 3 years. This increase in highly qualified, - [BIG Insured Mortgage Rule Changes](https://pinskymortgages.ca/big-insured-mortgage-rule-changes/) - Canada just came out with three new insurance rule changes. These rule changes all help buyers with affordability (higher purchase prices). All of these changes are in play as of December 15th. Mortgage application submissions for any new insurance rules must occur on or after December 15th. 1. Increase $1,000,000 Insured Price Cap to $1,500,000 First, the government has - [Analysis and Economic Update](https://pinskymortgages.ca/analysis-and-economic-update/) - The Bank of Canada (BoC) decreased their prime lending rate 0.50% at the end of October from 4.25% to 3.75%. This jumbo rate cut was expected and we have now seen 4 consecutive rate cuts since June, although October’s was the largest. Inflation The inflation outlook declined significantly from 2.7% in June to 1.6% in September. October’s inflation report - [Current Interest Rates & Economic Update](https://pinskymortgages.ca/current-interest-rates-economic-update/) - Summary: Fixed interest rates have been decreasing steadily over the past two months. At the same time, the variable rates have decreased with the prime rate decreasing but the “discounts” off of the prime rate have decreased. At this time, depending on someone’s risk tolerance and ability to afford a variable rate, about half our - [Vancouver Housing Demand Set to Rise Amid Population Growth](https://pinskymortgages.ca/vancouver-housing-demand-set-to-rise-amid-population-growth/) - Vancouver's housing demand surges with Canada's 3.3% population growth, fueled by new residents and skilled workers. Expect a busy spring market, as home sales and prices are projected to climb in early 2024. - [Prime Rate Cut Boosts Vancouver Home Affordability](https://pinskymortgages.ca/prime-rate-cut-boosts-vancouver-home-affordability/) - Discover how the recent prime rate cut enhances mortgage affordability in Vancouver, BC, allowing home buyers to qualify for larger loans, with fixed-rate options increasing affordability by up to 9%. - [Canada’s Prime Rate Cut to 3.75% – Economic Update](https://pinskymortgages.ca/canadas-prime-rate-cut-to-3-75-economic-update/) - The Bank of Canada cut its prime rate to 3.75% as inflation eases, with potential for further reductions; next update on December 11, 2024. - [Current Fixed VS. Variable Analysis](https://pinskymortgages.ca/current-fixed-vs-variable-analysis/) - Let's assume a $500,000 mortgage with a rate of 4.79% 3-year fixed versus a rate of 5.65% 5-year variable. Right off the bat, since we're assuming a 0.5% decrease in October and a .25% decrease in December, we can decrease our rate by 0.5%. We're decreasing our variable by 0.5% because my calculator goes in 6-month increments. We - [Mortgage Insurance Rule Change Details](https://pinskymortgages.ca/mortgage-insurance-rule-change-details/) - There are two new rule changes: Expanding the eligibility for 30 year amortizations for first time home buyers Increasing the $1M insured cap to $1.5M First off, neither of these are in effect yet. The mortgage insurance application must be submitted on or after December 15, 2024. This means that in order to qualify for 30 - [ Economic Update](https://pinskymortgages.ca/economic-update/) - So there's really good news on the inflation front... The Consumer price index only rose 2% year over year in August, the slowest pace since February 2021, down from 2.5% in July 2024. Excluding mortgage interest, inflation was a mere 1.2%, well below the bank's target rate of 2%. Did you see that? Inflation, if you exclude mortgage - [Rate Cut & Economic Analysis ](https://pinskymortgages.ca/rate-cut-economic-analysis/) - Bank of Canada cuts rates by 0.25% to 4.25%, with more reductions expected. Learn how this impacts inflation, economic growth, and mortgage rates. - [Dos and Don'ts of Mortgage Pre-approvals](https://pinskymortgages.ca/dos-and-donts-of-mortgage-pre-approvals/) - Learn the key Dos and Don'ts for mortgage pre-approvals. Stay qualified by managing your credit, avoiding new debt, and ensuring financial stability before closing." - [All About Reverse Mortgages](https://pinskymortgages.ca/all-about-reverse-mortgages/) - A reverse mortgage is a mortgage loan that allows seniors (55+ years old) to refinance or purchase a home. Three of the main benefits of a reverse mortgages are: 1. No income requirement - 2. No credit requirement - 3. No payment requirement - What?! You don't need to have an income or any credit, and you don't need to pay for your - [Japan’s Yen and Market Volatility](https://pinskymortgages.ca/japans-yen-and-market-volatility/) - I was reading quite a few pieces on the beginning of August’s market volatility but one in particular, from my investment advisor, caught my eye. It seems like the decline in stocks from over the first week of August have been eliminated, which is great news. A key driver of the market turbulence was the unwinding - [Current Interest Rates](https://pinskymortgages.ca/current-interest-rates-2/) - Fixed interest rates have been decreasing steadily over the past four months. At the same time, the variable rates have decreased due to the prime rate decreasing. At this time, half of our clients are going with a variable rate and the rest (on average) are going with the 5-year fixed rate for insured mortgages - [Advanced Strategies: Cash Damming - Here's What It Is](https://pinskymortgages.ca/advanced-strategies-cash-damming-heres-what-it-is/) - Why is money called dough?! It's 'cause we all "knead it." Cash Damming Cash damming is a strategy to convert non-tax-deductible personal debt, to tax-deductible investment debt. Basically, it's a way to convert your personal mortgage, that is not tax deductible, into tax deductible debt.I personally use this strategy on three of my rental properties and my own personal home. - [BC's Tenancy Notice Rule Changes](https://pinskymortgages.ca/bcs-tenancy-notice-rule-changes/) - BC's new 4-month eviction notice is causing problems for homebuyers and sellers. Mortgage approvals are harder, interest rates could rise, and fewer homes available. - [Pinsky Mortgages - In The News](https://pinskymortgages.ca/pinsky-mortgages-in-the-news/) - I'm Eitan Pinsky, owner of Pinsky Mortgages in beautiful Vancouver, BC. I’m excited to share that I've been featured in several major news outlets, including BNN Bloomberg, Global News, and The Globe and Mail. It's truly an honor to be recognized for the work my team and I are passionate about—helping people navigate the mortgage - [Why New Condos May Be a Bad Investment](https://pinskymortgages.ca/why-new-condos-may-be-a-bad-investment/) - [Current Interest Rates](https://pinskymortgages.ca/current-interest-rates/) - [Depreciation Reports Are Now Required](https://pinskymortgages.ca/depreciation-reports-are-now-required/) - I just learned that yesterday the BC Government has ordered that all stratas with 5 or more units must obtain a depreciation report on a five-year cycle. The order can be found here and here. Effective July 1, 2024, stratas may no longer hold an annual 3/4 vote to defer getting a depreciation report. Strata corporations without any deprecation - [Mortgage Changes Over the Past Year](https://pinskymortgages.ca/mortgage-changes-over-the-past-year/) - All the Positive Mortgage Changes Over the Past Year 30 years amortization for First Time Home Buyers This is limited to First Time Home Buyers, and only on new construction. There's a possibility that this will be expanded to resale as well. CMHC and the government are looking into this. The timeline for this is August 1st. I called - [Interest Rates - June 11th](https://pinskymortgages.ca/30-year-insured-mortgages-new-guidelines/) - 1. Interest Rates *Interest rates as of June 11th, 2024. Rates subject to change (I have to write that Right now, we're seeing quite a few people pick the variable rate over the 3-year fixed... I don't blame them. Let's take a look at the numbers. The graph above shows rates decreasing by 0.75% from - [May Jobs Report / Probable July Rate Cut](https://pinskymortgages.ca/may-jobs-report-probable-july-rate-cut/) - May Jobs Report / Probable July Rate Cut In the first major data release since the Bank of Canada cut interest rates last Wednesday, Statistics Canada Labour Force Survey for May showed a marked slowdown from the April surge. Employment was little changed and the employment rate fell 0.1 percentage points to 61.3%, the seventh - [30-Year Insured Mortgages](https://pinskymortgages.ca/30-year-insured-mortgages/) - 30-Year Insured Mortgages The government just released guidelines for 30-year insured amortizations. These extended repayment periods are earmarked for first-time purchasers of newly-built residences and kick off this August. To get a 30-year insured amortization: 1. At least one of the borrowers on the application must be a first-time homebuyer, meaning they meet one of the following - [Stats from CMHC's Consumer Survey](https://pinskymortgages.ca/stats-from-cmhcs-consumer-survey/) - Good Afternoon Amazing Partners, In today's post 1. Interest Rates 2. CMHC's Consumer Survey *Please call us! 778-990-8950 We're willing to help even if the borrower is not our client. We're in this for your success! Interest Rates**Rates as at May 14, 2024. Subject to change without notice. Interesting Stats from the CMHC Consumer Survey You can find the entire - [Interest Rates & Neutral Rates](https://pinskymortgages.ca/interest-rates-neutral-rates/) - *As at April 4, 2024 **Please note that these rates are for 25 year amortization. For many of the terms, add 0.10% for 30 years amortization. Neutral Rates Historically, the spread between the Bank of Canada (BoC) rate (currently at 5%) and 5 year fixed rates is (on average) 2.35%: if the Bank of Canada - [New Stress Test - Yes and No...](https://pinskymortgages.ca/new-stress-test-yes-and-no/) - This is a YES because BANKS now have a new stress test for their portfolio. The new stress test is about loan-to-income (LTI) and that each bank will be assessed at how much their book of business (number of mortgages) have an LTI above 4.5 times. Basically, if borrowers have an income of $100,000, the - [Variable: Lock in? And if Yes, When?](https://pinskymortgages.ca/variable-lock-in-and-if-yes-when/) - The variable rate does seem like it's a good option now... especially since the discount off prime is now so great. However, the variable rate is still higher than the fixed rate... so when do we lock in to a fixed rate, and does it even make sense to lock in? First off, there are - [Current Interest Rates & Analysis - Jan 8, 2024](https://pinskymortgages.ca/current-interest-rates-analysis-jan-8-2024/) - [First-Time Home Buyers’ Tax Credit (HBTC)](https://pinskymortgages.ca/first-time-home-buyers-tax-credit-hbtc/) - [Buying and Selling - How Dates Can Line Up](https://pinskymortgages.ca/buying-and-selling-how-dates-can-line-up/) - [Looking at the Variable Again](https://pinskymortgages.ca/looking-at-the-variable-again/) - I always find looking at the numbers interesting. If you have anybody who is thinking about the variable, remember, it's more flexible than the fixed rate because you can lock in your variable into a fixed rate at any time, and it has lower penalties. But, just because it's flexible with the option to lock - [Vancouver’s Empty Storefronts](https://pinskymortgages.ca/vancouvers-empty-storefronts/) - Housing prices have dominated conversations in our city – and rightly so. We have some of the most overpriced real estate in the world, which has caused many people to be pushed out of Vancouver. But it’s not just residents who are struggling with affordability issues: retail owners are too. Stroll around streets like Robson, - [Vancouver's West End](https://pinskymortgages.ca/vancouvers-west-end/) - Vancouver’s West End seems to be getting a lot of praise. The area was recently named the best neighbourhood in the country by the Canadian Institute of Planning’s Great Places in Canada contest. Stanley Park also took the top spot on Trip Advisor’s list of best parks in the entire world, edging out Central Park and Luxembourg - [All About Mortgage Porting](https://pinskymortgages.ca/all-about-mortgage-porting/) - Porting a mortgage means bringing the mortgage from one property to another.This is usually done to keep a specific mortgage interest rate when the current rates are higher. Porting can only be done when a sale and a purchase (or a purchase and a sale) are completed within 30-120 days of each other (depending on lender). - [Rates Held! No rate increase Dec. 6](https://pinskymortgages.ca/rates-held-no-rate-increase-dec-6/) - Good Morning Amazing Partners, Great news! No rate increase. Although, this was suspected and expected. Bottom line: Overall inflationary risks have continued to recede in Canada after dominating the economic landscape for the past two years, and the risks are gradually becoming more equally weighted with downside growth risks (we're expecting the economy to shrink). Currently softer trends - [Bridge Financing vs Interim Financing: Explained](https://pinskymortgages.ca/bridge-financing-vs-interim-financing-explained/) - We get asked by Realtors and clients quite a bit about bridge financing. However, in most cases, what we're being asked for is "interim" financing, and not bridge financing. Bridge Financing When a buyer has a property that has sold, and has a new purchase with completion date prior to the completion of the sale - [3-Year Fixed vs. 5-Year Fixed vs. 5-Year Variable](https://pinskymortgages.ca/3-year-fixed-vs-5-year-fixed-vs-5-year-variable/) - [Has Zoning Been Eliminated?](https://pinskymortgages.ca/has-zoning-been-eliminated/) - [The First Home Savings Account (FHSA)](https://pinskymortgages.ca/the-first-home-savings-account-fhsa/) - [A 5-Year Fixed May Be a Bad Idea!](https://pinskymortgages.ca/a-5-year-fixed-may-be-a-bad-idea/) - [Economic Update - October 25th, 2023](https://pinskymortgages.ca/economic-update-october-25-2023/) - [Home Buyers Plan and Tax Free Savings Account](https://pinskymortgages.ca/home-buyers-plan-and-tax-free-savings-account/) - oday I'd like to go over smart ways to save for your down payment using the RRSP Home Buyers Plan (HBP) and the new Tax Free First Home Savings Account (FHSA). The HBP and the FHSA were created to help first time home buyers save for their down payment. These are both excellent programs and by using - [Mortgage Insurance and Interest Rate Tiers](https://pinskymortgages.ca/mortgage-insurance-and-interest-rate-tiers/) - Did you know that there are three tiers for interest rates in Canada? Even more surprising, the best interest rates are saved for people who have insured mortgages, with less than 20% down. With government guarantees and little risk of losing money, lenders can offer mortgages at rock bottom rates. 3 Tiers: Insured, Insurable, & Uninsurable From our Home - [Follow The Money - Who gets which transaction?](https://pinskymortgages.ca/follow-the-money-who-gets-which-transaction/) - We get asked quite a bit about deposits and about the "money timeline." In other words... our borrowers are interested in knowing when deposit moneys needs to change hands, who receives the deposit, and how it works in the grand scheme of the mortgage process. *Please remember that your deposit and down payment must be - [How to Increase Happiness](https://pinskymortgages.ca/how-to-increase-happiness/) - From Upworthy, but I really liked it :) Shawn Achor studied happiness at Harvard. When he tells people this, they say: "Shawn, why do you waste your time studying happiness at Harvard? Seriously, what does a Harvard student possibly have to be unhappy about?" But the crazy truth is, Harvard kids are as unhappy as - [American Rate Changes Impact Canada](https://pinskymortgages.ca/american-rate-changes-impact-canada/) - **I wrote this part before the SVB bank (plus others) collapse of from March 9-10. I'm not sure how this situation will play out yet. It's entirely possible that we're looking at no rate hikes in the States. All that being said, the information below is still relevant, but we may not see any rate hikes in the near - [No Rate change & Eitan's Economic Summary](https://pinskymortgages.ca/no-rate-change-eitans-economic-summary/) - [Fear of Missing Out (FOMO) In the Housing Market](https://pinskymortgages.ca/fear-of-missing-out-fomo-in-the-housing-market/) - Home prices in Vancouver have increased for the 6th month in a row.Wait, what?! Prices are increasing again? Even as rates are increasing?In 2021 we had some of the biggest increases to house prices, culminating with a high in Q1 2022. But, rates started to increase and there was a ... pause(?) ... a panic(?) ... - [Eitan's Coffee: Not Too Hot... Not Too Cold...](https://pinskymortgages.ca/eitans-coffee-not-too-hot-not-too-cold/) - If the coffee gets too cold, we could put a few logs on the fire to increase the heat. If the fire gets too hot and the coffee is in danger of burning, we could spread the logs out and let the fire die down a bit (gosh, I love making fires when camping). There is a sort of equilibrium here with just logs. - [0.25% Increase & Eitan's Economic Summary](https://pinskymortgages.ca/0-25-increase-eitans-economic-summary/) - The BoC increased rates +0.25% due to (1) higher-than-expected growth in Canada's economy, and (2) to monetary policy that is not yet restrictive enough to bring inflation down. - [2022 Interest Rates Update](https://pinskymortgages.ca/2022-interest-rates-updates/) - Eitan sits down with Cheryl from Cheryl Davie Real Estate to discuss where interest rates have been, where they’re going, and what you need to know. In particular, Eitan answers if the anticipated increase in interest rates will change activity in the market and the importance of offer price compared to interest rates. Pressed for - [Reverse Mortgage Primer: Life Begins at 55](https://pinskymortgages.ca/reverse-mortgage-primer-life-begins-at-55/) - Reverse mortgages allow Canadian homeowners 55 & older to unlock the value of their homes while still living there. Are they right for you? - [Special Feature with DLC Economist Dr. Sherry Cooper](https://pinskymortgages.ca/special-feature-with-dlc-economist-dr-sherry-cooper/) - A rare opportunity from Chief Economist Dr. Sherry Cooper of Dominion Lending Centres, sharing her outlook on inflation, interest rates, world events, and the housing market. Watch the full video 👇 - [Interview with Renowned Economist Sherry Cooper](https://pinskymortgages.ca/interview-with-renowned-economist-sherry-cooper/) - The sought-after speaker and Chief Economist of Dominion Lending Centres discusses housing, inflation, interest rates, and world events. - [MORTGAGES & COVID-19](https://pinskymortgages.ca/mortgages-cvid-19-and-government-programs/) - We're in uncharted waters... I've done my best to include as much information as possible below. (LAST UPDATE April 2) 1. All About Mortgage Payment Deferrals LENDER CONTACT INFORMATIONa) What Does This Mean?b) Will it Hurt my Credit Score? c) Should I Defer Payments?d) How do I Defer Payments?e) Other Ways We Can Help! 2. Purchases, Refinancing, - [COVID-19 & Mortgage Deferrals](https://pinskymortgages.ca/the-cost-of-mortgage-deferrals/) - The Real Cost of Mortgage Deferrals These are unprecedented times and my gut reaction is that it's important to feel financially secure; when your income is suffering, having to make mortgage payments does not help overall anxiety levels. If your finances have been negatively affected by COVID-19, I believe you should defer payments. The below information may help you make a choice. If ## Pages - [Getting You The Best Mortgage With The Least Amount Of Stress, Period.](https://pinskymortgages.ca/) - Our mortgage brokers and lenders in Vancouver, BC can help get you the best rates with the least amount of stress. Learn about our home loan options near you! - [Privacy](https://pinskymortgages.ca/privacy/) - It is our policy at Eitan Pinsky Mortgage Expert’s to respect and protect the privacy of users that visit our website and we are committed to providing the highest level of service experience possible. This policy statement is intended to explain what information is collected through our website and how we use or disclose that - [Terms](https://pinskymortgages.ca/terms/) - Introduction These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website. This website uses cookies. By using this website and agreeing - [Your Complete Guide to a Home Equity Line of Credit (HELOC) in Vancouver](https://pinskymortgages.ca/heloc-vancouver-guide/) - What is a HELOC and How Does it Work in Canada? If you own a home in Vancouver, BC, you might be sitting on a significant amount of untapped wealth. A Home Equity Line of Credit, commonly known as a HELOC, is a powerful financial tool that allows you to borrow against the equity you have built - [More FAQs About Mortgages in Vancouver and BC](https://pinskymortgages.ca/resources/more-faqs-about-mortgages-in-vancouver-and-bc/) - Welcome back to Pinsky Mortgages, your go-to Vancouver mortgage broker since 2013 - where Eitan Pinsky and our expert team turn the complexities of BC's housing market into straightforward wins. As of November 13, 2025, Metro Vancouver's benchmark home price sits at $1,132,500, down 3.4% year-over-year amid softening sales, but with a 20% uptick from - [Frequently Asked Questions About Mortgages in Vancouver and BC](https://pinskymortgages.ca/frequently-asked-question/) - [Mortgage Refinance in Vancouver, British Columbia](https://pinskymortgages.ca/mortgage-refinance-in-vancouver-british-columbia/) - [Conventional Fixed‑Rate Mortgage (1‑5, 7, 10‑year terms) in Vancouver, British Columbia](https://pinskymortgages.ca/conventional-fixed‑rate-mortgage/) - Lock in a conventional fixed-rate mortgage in Vancouver, BC with Pinsky Mortgages. Unbiased fixed-rate mortgage advice for stable payments, perfect for first-time homebuyers and refinancers in British Columbia. (158 chars) - [High‑Ratio (Insured) Mortgage (CMHC/Genworth) in Vancouver, British Columbia](https://pinskymortgages.ca/high‑ratio-insured-mortgage-cmhc-genworth-in-vancouver-british-columbia/) - Explore high-ratio insured mortgage options in Vancouver, BC with Pinsky Mortgages. Get CMHC-insured mortgage advice for low down payments, ideal for first-time homebuyers in British Columbia. - [Cash‑Back Mortgage in Vancouver, British Columbia](https://pinskymortgages.ca/cash‑back/) - Explore cash-back mortgage options in Vancouver, BC. Pinsky Mortgages offers tailored cashback mortgage solutions for extra funds at closing. - [Bridge Financing](https://pinskymortgages.ca/bridge-financing/) - [First-Time Homebuyer](https://pinskymortgages.ca/first-time-homebuyer/) - [Readvanceable Mortgage](https://pinskymortgages.ca/readvanceable-mortgage/) - [Home Equity Line of Credit (HELOC) in Vancouver, British Columbia](https://pinskymortgages.ca/home-equity-line-of-credit-heloc-in-vancouver-british-columbia/) - [Top 10 Tips to Find the Best Mortgage Rate in Vancouver Right Now](https://pinskymortgages.ca/top-10-tips-to-find-the-best-mortgage-rate-in-vancouver-right-now/) - [Fairview, Vancouver: Where City Life Meets Waterfront Charm](https://pinskymortgages.ca/fairview-vancouver-where-city-life-meets-waterfront-charm/) - Explore Fairview Vancouver, where city living meets False Creek views. Find your dream home with Pinsky Mortgages today. - [Heartbeat of Urban Vancouver](https://pinskymortgages.ca/heartbeat-of-urban-vancouver/) - Click here to read and learn more about Purchase Plus Renovation loans from Pinksy Mortgages in Vancouver, BC! - [Reverse Mortgages](https://pinskymortgages.ca/reverse-mortgages-in-british-columbia/) - Looking for reverse mortgage lenders near you? Speak to the brokers at Pinsky Mortgages in Vancouver, BC! Get started with us today to explore your loan options. - [Sitemap](https://pinskymortgages.ca/sitemap/) - https://pinskymortgages.ca/tag/canadian-gdp/ https://pinskymortgages.ca/tag/willowbrook/ https://pinskymortgages.ca/tag/sea-to-sky-gondola/ https://pinskymortgages.ca/tag/walnut-grove/ https://pinskymortgages.ca/tag/aldergrove/ https://pinskymortgages.ca/tag/mortgage-industry/ https://pinskymortgages.ca/tag/vancouver-demographics/ https://pinskymortgages.ca/tag/vancouver-mortgage-broker/ https://pinskymortgages.ca/tag/broker/ https://pinskymortgages.ca/tag/monoline-lender/ https://pinskymortgages.ca/tag/mortgage-rate-tiers/ https://pinskymortgages.ca/tag/squamish/ https://pinskymortgages.ca/tag/british-columbia-mortgages/ https://pinskymortgages.ca/tag/mortgage-pre-approvals/ https://pinskymortgages.ca/tag/consumer/ https://pinskymortgages.ca/tag/credit-bureau/ https://pinskymortgages.ca/tag/deep-cove-real-estate/ https://pinskymortgages.ca/tag/business-design/ https://pinskymortgages.ca/tag/vancouver-laneway/ https://pinskymortgages.ca/tag/account-managers/ https://pinskymortgages.ca/tag/squamish-business/ https://pinskymortgages.ca/tag/mortgage-rules/ https://pinskymortgages.ca/tag/granville-island-2040/ https://pinskymortgages.ca/tag/duplexes/ https://pinskymortgages.ca/tag/cannabis/ https://pinskymortgages.ca/tag/rrsp/ https://pinskymortgages.ca/tag/technology-in-real-estate/ https://pinskymortgages.ca/tag/seymour-golf-country-club/ https://pinskymortgages.ca/tag/mortgage-penalties/ https://pinskymortgages.ca/tag/mortgage-penalties-bc/ https://pinskymortgages.ca/our-Testimonialss/ https://pinskymortgages.ca/tag/vancouver-west-end-housing/ https://pinskymortgages.ca/tag/variable-mortgages/ https://pinskymortgages.ca/tag/mortgage-rates/ https://pinskymortgages.ca/tag/taxes/ https://pinskymortgages.ca/tag/best-vegetarian-restaurants-vancouver/ https://pinskymortgages.ca/tag/vancouver-real-estate/ https://pinskymortgages.ca/tag/mortgage-application/ https://pinskymortgages.ca/tag/credit-report/ https://pinskymortgages.ca/tag/dollarton-highway/ https://pinskymortgages.ca/tag/my-mortgage-toolbox/ https://pinskymortgages.ca/tag/past-client-referrals/ https://pinskymortgages.ca/tag/brookswood/ https://pinskymortgages.ca/tag/vancouver/ https://pinskymortgages.ca/tag/best-mortgage-rates/ https://pinskymortgages.ca/tag/openbanking/ https://pinskymortgages.ca/tag/canadian-economy/ https://pinskymortgages.ca/tag/interest-rate-tiers/ https://pinskymortgages.ca/tag/mortgage-regulation/ https://pinskymortgages.ca/tag/west-end-lifestyle/ https://pinskymortgages.ca/tag/heloc/ https://pinskymortgages.ca/tag/housing-affordability/ https://pinskymortgages.ca/tag/canadian-mortgages/ https://pinskymortgages.ca/tag/rates/ https://pinskymortgages.ca/tag/short-term-rentals/ - [Refinancing & Debt Consolidation](https://pinskymortgages.ca/refinancing-debt-consolidation/) - Click here to read and learn more about Mortgage Refinancing & Debt Consolidation Loans from Pinksy Mortgages in Vancouver, BC! - [Mortgage Calculator](https://pinskymortgages.ca/mortgage-calculator/) - Click here to read and learn more about our Mortgage Calculator to help you calculate what you will be paying for a mortgage in Vancouver, BC with Pinsky Mortgages! - [Investment Properties](https://pinskymortgages.ca/investment-properties/) - Click here to read and learn more about our investment property mortgages in Vancouver, BC with Pinsky Mortgages! - [Purchase Plus Renovations](https://pinskymortgages.ca/purchase-plus-renovations/) - Click here to read and learn more about Purchase Plus Renovation loans from Pinksy Mortgages in Vancouver, BC! - [Non-Traditional Lending](https://pinskymortgages.ca/non-traditional-lending/) - Click here to read and learn more about Non-Traditional Lending in Vancouver, BC with Pinsky Mortgages! - [Home Equity Lines of Credit](https://pinskymortgages.ca/home-equity-lines-of-credit/) - Click here to read and learn more about our Home Equity Lines of Credit in Vancouver, BC with Pinsky Mortgages! - [Mortgage Renewals & Transfers](https://pinskymortgages.ca/mortgage-renewals-transfers/) - Click here to read and learn more about Mortgage Renewals & Transfers in Vancouver, BC with Pinsky Mortgages! - [Mortgage Pre-Approval](https://pinskymortgages.ca/mortgage-pre-approval/) - Click here to read and learn more about our Mortgage preapproval process for a mortgage in Vancouver, BC with Pinsky Mortgages! - [Residential Mortgages](https://pinskymortgages.ca/residential-mortgages/) - Click here to read and learn more about Residential Mortgages from Pinksy Mortgages in Vancouver, BC! Get started with us today! - [Agents](https://pinskymortgages.ca/agents/) - Click here to read and learn more about our Mortgage Lending Agents with Pinsky Mortgages in Vancouver, BC! - [Team](https://pinskymortgages.ca/our-team/) - Click here to read and learn more about our Mortgage Lending Team in Vancouver, BC with Pinsky Mortgages! - [Our Services](https://pinskymortgages.ca/our-services/) - Click here to read and learn more about our Mortgage Services from Pinksy Mortgages in Vancouver, BC! - [About](https://pinskymortgages.ca/about/) - Click here to read and learn more about Pinsky Mortgages for all of your mortgage lending needs in Vancouver, BC. - [Mortgage Affordability Calculator](https://pinskymortgages.ca/mortgage-affordability-calculator/) - Click here to use our Mortgage Affordability Calculator and see how much home you can afford in Vancouver, BC with Pinsky Mortgages! - [Contact](https://pinskymortgages.ca/contact/) - Click here to contact the mortgage brokers and mortgage lending team at Pinsky Mortgages in Vancouver, BC! ## Process - [Advanced?](https://pinskymortgages.ca/our-mortgage-process/advanced/) - For those looking beyond the more standard mortgage options, we can help you find the right advanced strategy for your home. - [Renew / Refinance?](https://pinskymortgages.ca/our-mortgage-process/renew-refinance/) - Congratulations on your maturing mortgage… Now let us help you get a better rate! If your mortgage renewal is fast, now may be a great time to look at the other mortgage options and competitive rates that are available. - [First-Time Buyer?](https://pinskymortgages.ca/our-mortgage-process/first-time-buyer/) - Click here to read and learn more about our process for first time home buyers in Vancouver, BC with Pinsky Mortgage! ## Testimonials - [Jeremy Bottein](https://pinskymortgages.ca/our-Testimonialss/jeremy-bottein/) - [Annie Stewart](https://pinskymortgages.ca/our-Testimonialss/annie-stewart/) - [Anastassiya Portnyagina](https://pinskymortgages.ca/our-Testimonialss/anastassiya-portnyagina/) - [Caroline Graham](https://pinskymortgages.ca/our-Testimonialss/caroline-graham/) - [John Tait](https://pinskymortgages.ca/our-Testimonialss/121/) ## Categories - [First Time Buyer](https://pinskymortgages.ca/category/first-time-buyer/) - [Renew Refinance](https://pinskymortgages.ca/category/renew-refinance/) - [Real Estate Agent](https://pinskymortgages.ca/category/real-estate-agent/) - [Home Purchase](https://pinskymortgages.ca/category/home-purchase/) - [Education and Learning](https://pinskymortgages.ca/category/education-and-learning/) ## Tags - [Coquitlam Evergreen Line](https://pinskymortgages.ca/tag/coquitlam-evergreen-line/) - [Granville Island](https://pinskymortgages.ca/tag/granville-island/) - [Olympic Village](https://pinskymortgages.ca/tag/olympic-village/) - [Port Moody](https://pinskymortgages.ca/tag/port-moody/) - [st pauls hospital](https://pinskymortgages.ca/tag/st-pauls-hospital/) - [Transportation in Vancouver](https://pinskymortgages.ca/tag/transportation-in-vancouver/) - [Vancouver real estate](https://pinskymortgages.ca/tag/vancouver-real-estate/) - [Burrard Inlet](https://pinskymortgages.ca/tag/burrard-inlet/) - [Deep Cove](https://pinskymortgages.ca/tag/deep-cove/) - [North Vancouver](https://pinskymortgages.ca/tag/north-vancouver/) - [CMHC](https://pinskymortgages.ca/tag/cmhc/) - [mortgage](https://pinskymortgages.ca/tag/mortgage/) - [BC HOME Partnership](https://pinskymortgages.ca/tag/bc-home-partnership/) - [Down Payment](https://pinskymortgages.ca/tag/down-payment/) - [first time home buyer](https://pinskymortgages.ca/tag/first-time-home-buyer/) - [first time homebuyer](https://pinskymortgages.ca/tag/first-time-homebuyer/) - [mortgage application](https://pinskymortgages.ca/tag/mortgage-application/) - [property transfer tax](https://pinskymortgages.ca/tag/property-transfer-tax/) - [RRSP](https://pinskymortgages.ca/tag/rrsp/) - [Tax Free](https://pinskymortgages.ca/tag/tax-free/) - [Taxes](https://pinskymortgages.ca/tag/taxes/) - [green energy](https://pinskymortgages.ca/tag/green-energy/) - [Vancouver](https://pinskymortgages.ca/tag/vancouver/) - [vancouver economy](https://pinskymortgages.ca/tag/vancouver-economy/) - [Vancouver Interest](https://pinskymortgages.ca/tag/vancouver-interest/) - [vancouver technology](https://pinskymortgages.ca/tag/vancouver-technology/) - [alternative lender](https://pinskymortgages.ca/tag/alternative-lender/) - [mortgage broker](https://pinskymortgages.ca/tag/mortgage-broker/) - [mortgage preapproval](https://pinskymortgages.ca/tag/mortgage-preapproval/) - [Mortgage Rates](https://pinskymortgages.ca/tag/mortgage-rates/) - [Mortgage Regulation](https://pinskymortgages.ca/tag/mortgage-regulation/) - [Mortgage Rule Changes](https://pinskymortgages.ca/tag/mortgage-rule-changes/) - [personalized service](https://pinskymortgages.ca/tag/personalized-service/) - [Vancouver Mortgage Broker](https://pinskymortgages.ca/tag/vancouver-mortgage-broker/) - [credit report](https://pinskymortgages.ca/tag/credit-report/) - [lower your debt](https://pinskymortgages.ca/tag/lower-your-debt/) - [joint tenancy](https://pinskymortgages.ca/tag/joint-tenancy/) - [property title](https://pinskymortgages.ca/tag/property-title/) - [right of survivorship](https://pinskymortgages.ca/tag/right-of-survivorship/) - [tenancy in common](https://pinskymortgages.ca/tag/tenancy-in-common/) - [Best Mortgage Rates](https://pinskymortgages.ca/tag/best-mortgage-rates/) - [monoline lender](https://pinskymortgages.ca/tag/monoline-lender/) - [credit union](https://pinskymortgages.ca/tag/credit-union/) - [CHIP](https://pinskymortgages.ca/tag/chip/) - [HELOC](https://pinskymortgages.ca/tag/heloc/) - [reverse mortgage](https://pinskymortgages.ca/tag/reverse-mortgage/) - [credit bureau](https://pinskymortgages.ca/tag/credit-bureau/) - [credit myths](https://pinskymortgages.ca/tag/credit-myths/) - [credit score](https://pinskymortgages.ca/tag/credit-score/) - [economy](https://pinskymortgages.ca/tag/economy/) - [Mortgage Rules](https://pinskymortgages.ca/tag/mortgage-rules/) - [Vancouver Mortgages](https://pinskymortgages.ca/tag/vancouver-mortgages/) - [Laneway Homes](https://pinskymortgages.ca/tag/laneway-homes/) - [Mortgage Affordability](https://pinskymortgages.ca/tag/mortgage-affordability/) - [Vancouver Laneway](https://pinskymortgages.ca/tag/vancouver-laneway/) - [Wooden skyscrapers](https://pinskymortgages.ca/tag/wooden-skyscrapers/) - [burnaby heights real estate](https://pinskymortgages.ca/tag/burnaby-heights-real-estate/) - [tax](https://pinskymortgages.ca/tag/tax/) - [tax credit](https://pinskymortgages.ca/tag/tax-credit/) - [2018](https://pinskymortgages.ca/tag/2018/) - [5 Year Fixed Rate](https://pinskymortgages.ca/tag/5-year-fixed-rate/) - [Globe and mail](https://pinskymortgages.ca/tag/globe-and-mail/) - [Housing Market Vancouver West End](https://pinskymortgages.ca/tag/housing-market-vancouver-west-end/) - [The West End Vancouver Residents](https://pinskymortgages.ca/tag/the-west-end-vancouver-residents/) - [Vancouver Best Rates](https://pinskymortgages.ca/tag/vancouver-best-rates/) - [Vancouver Demographics](https://pinskymortgages.ca/tag/vancouver-demographics/) - [Vancouver West End Housing](https://pinskymortgages.ca/tag/vancouver-west-end-housing/) - [West End Lifestyle](https://pinskymortgages.ca/tag/west-end-lifestyle/) - [Mortgage Awards](https://pinskymortgages.ca/tag/mortgage-awards/) - [mortgage pre-approvals](https://pinskymortgages.ca/tag/mortgage-pre-approvals/) - [mortgage brokers vs banks](https://pinskymortgages.ca/tag/mortgage-brokers-vs-banks/) - [mortgage penalties](https://pinskymortgages.ca/tag/mortgage-penalties/) - [mortgage penalties BC](https://pinskymortgages.ca/tag/mortgage-penalties-bc/) - [collateral mortgage](https://pinskymortgages.ca/tag/collateral-mortgage/) - [mortgage accelerated payments](https://pinskymortgages.ca/tag/mortgage-accelerated-payments/) - [Capilano University Squamish](https://pinskymortgages.ca/tag/capilano-university-squamish/) - [Pinsky Mortgages](https://pinskymortgages.ca/tag/pinsky-mortgages/) - [Quest University](https://pinskymortgages.ca/tag/quest-university/) - [Sea To Sky Gondola](https://pinskymortgages.ca/tag/sea-to-sky-gondola/) - [Squamish](https://pinskymortgages.ca/tag/squamish/) - [Squamish Business](https://pinskymortgages.ca/tag/squamish-business/) - [Squamish Demographics](https://pinskymortgages.ca/tag/squamish-demographics/) - [Squamish Hikes](https://pinskymortgages.ca/tag/squamish-hikes/) - [Squamish History](https://pinskymortgages.ca/tag/squamish-history/) - [Squamish Housing](https://pinskymortgages.ca/tag/squamish-housing/) - [Squamish Mortgages](https://pinskymortgages.ca/tag/squamish-mortgages/) - [Squamish Properties](https://pinskymortgages.ca/tag/squamish-properties/) - [Squamish Real Estate](https://pinskymortgages.ca/tag/squamish-real-estate/) - [Squamish Valley](https://pinskymortgages.ca/tag/squamish-valley/) - [Squamish- The adventure Hub](https://pinskymortgages.ca/tag/squamish-the-adventure-hub/) - [Variable Mortgages](https://pinskymortgages.ca/tag/variable-mortgages/) - [Burnaby](https://pinskymortgages.ca/tag/burnaby/) - [Lougheed](https://pinskymortgages.ca/tag/lougheed/) - [The City of Lougheed](https://pinskymortgages.ca/tag/the-city-of-lougheed/) - [Marpole](https://pinskymortgages.ca/tag/marpole/) - [Airbnb](https://pinskymortgages.ca/tag/airbnb/) - [Short-term rentals](https://pinskymortgages.ca/tag/short-term-rentals/) - [Canadian Mortgage Professionals](https://pinskymortgages.ca/tag/canadian-mortgage-professionals/) - [CMP Top 75 Brokers 2018](https://pinskymortgages.ca/tag/cmp-top-75-brokers-2018/) - [Mortgage Awards 2018](https://pinskymortgages.ca/tag/mortgage-awards-2018/) - [Residential Mortgage Brokers](https://pinskymortgages.ca/tag/residential-mortgage-brokers/) - [Top Mortgage Broker Vancouver](https://pinskymortgages.ca/tag/top-mortgage-broker-vancouver/) - [Vancouver Brokers](https://pinskymortgages.ca/tag/vancouver-brokers/) - [Best Vegetarian Restaurants Vancouver](https://pinskymortgages.ca/tag/best-vegetarian-restaurants-vancouver/) - [Commercial Vacancies In Downtown Vancouver](https://pinskymortgages.ca/tag/commercial-vacancies-in-downtown-vancouver/) - [Esso Vancouver](https://pinskymortgages.ca/tag/esso-vancouver/) - [Hike in Commercial Rental Unit Prices](https://pinskymortgages.ca/tag/hike-in-commercial-rental-unit-prices/) - [Real Estate Vancouver](https://pinskymortgages.ca/tag/real-estate-vancouver/) - [Rental Market Vancouver Downtown](https://pinskymortgages.ca/tag/rental-market-vancouver-downtown/) - [Retail Market Rent Increase](https://pinskymortgages.ca/tag/retail-market-rent-increase/) - [Retail vacancies](https://pinskymortgages.ca/tag/retail-vacancies/) - [Bank of Canada](https://pinskymortgages.ca/tag/bank-of-canada/) - [British Columbia Mortgages](https://pinskymortgages.ca/tag/british-columbia-mortgages/) - [Canadian Economy](https://pinskymortgages.ca/tag/canadian-economy/) - [Canadian GDP](https://pinskymortgages.ca/tag/canadian-gdp/) - [Canadian Mortgages](https://pinskymortgages.ca/tag/canadian-mortgages/) - [Canadian Real Estate](https://pinskymortgages.ca/tag/canadian-real-estate/) - [DLC Mortgages BC](https://pinskymortgages.ca/tag/dlc-mortgages-bc/) - [Interest Rate Hike](https://pinskymortgages.ca/tag/interest-rate-hike/) - [Vancouver Housing Market](https://pinskymortgages.ca/tag/vancouver-housing-market/) - [Insured Insurable and Uninsurable](https://pinskymortgages.ca/tag/insured-insurable-and-uninsurable/) - [Interest Rate Tiers](https://pinskymortgages.ca/tag/interest-rate-tiers/) - [Mortgage Rate Tiers](https://pinskymortgages.ca/tag/mortgage-rate-tiers/) - [Bill 30](https://pinskymortgages.ca/tag/bill-30/) - [Cannabis](https://pinskymortgages.ca/tag/cannabis/) - [Legalization](https://pinskymortgages.ca/tag/legalization/) - [Duplexes](https://pinskymortgages.ca/tag/duplexes/) - [Housing affordability](https://pinskymortgages.ca/tag/housing-affordability/) - [Coworking spaces](https://pinskymortgages.ca/tag/coworking-spaces/) - [shared working spaces](https://pinskymortgages.ca/tag/shared-working-spaces/) - [False Creek Flats](https://pinskymortgages.ca/tag/false-creek-flats/) - [Aldergrove](https://pinskymortgages.ca/tag/aldergrove/) - [Brookswood](https://pinskymortgages.ca/tag/brookswood/) - [Fort Langley](https://pinskymortgages.ca/tag/fort-langley/) - [Langley](https://pinskymortgages.ca/tag/langley/) - [Murrayville](https://pinskymortgages.ca/tag/murrayville/) - [Township of Langley](https://pinskymortgages.ca/tag/township-of-langley/) - [Walnut Grove](https://pinskymortgages.ca/tag/walnut-grove/) - [Willowbrook](https://pinskymortgages.ca/tag/willowbrook/) - [Granville Island 2040](https://pinskymortgages.ca/tag/granville-island-2040/) - [Deep Cove Adventure](https://pinskymortgages.ca/tag/deep-cove-adventure/) - [Deep Cove Real Estate](https://pinskymortgages.ca/tag/deep-cove-real-estate/) - [Dollarton Highway](https://pinskymortgages.ca/tag/dollarton-highway/) - [Mount Seymour Parkway](https://pinskymortgages.ca/tag/mount-seymour-parkway/) - [Northlands Country Club](https://pinskymortgages.ca/tag/northlands-country-club/) - [Seymour](https://pinskymortgages.ca/tag/seymour/) - [Seymour Golf Country Club](https://pinskymortgages.ca/tag/seymour-golf-country-club/) - [Seymour Village New Development](https://pinskymortgages.ca/tag/seymour-village-new-development/) - [Federal Budget 2019](https://pinskymortgages.ca/tag/federal-budget-2019/) - [Real Estate BC](https://pinskymortgages.ca/tag/real-estate-bc/) - [RRSP Withdrawal First Time Home Buyer](https://pinskymortgages.ca/tag/rrsp-withdrawal-first-time-home-buyer/) - [Vancouver Housing](https://pinskymortgages.ca/tag/vancouver-housing/) - [Business Design](https://pinskymortgages.ca/tag/business-design/) - [Business Referrals](https://pinskymortgages.ca/tag/business-referrals/) - [Grow your business](https://pinskymortgages.ca/tag/grow-your-business/) - [Lead Generation](https://pinskymortgages.ca/tag/lead-generation/) - [Mortgage Brokerage Industry](https://pinskymortgages.ca/tag/mortgage-brokerage-industry/) - [Mortgages BC](https://pinskymortgages.ca/tag/mortgages-bc/) - [Past Client Referrals](https://pinskymortgages.ca/tag/past-client-referrals/) - [Digital Mortgage Application](https://pinskymortgages.ca/tag/digital-mortgage-application/) - [My Mortgage Toolbox](https://pinskymortgages.ca/tag/my-mortgage-toolbox/) - [Technology as a benefit](https://pinskymortgages.ca/tag/technology-as-a-benefit/) - [Technology impact on mortgage industry](https://pinskymortgages.ca/tag/technology-impact-on-mortgage-industry/) - [Technology in Real Estate](https://pinskymortgages.ca/tag/technology-in-real-estate/) - [Technology is a force](https://pinskymortgages.ca/tag/technology-is-a-force/) - [central bank](https://pinskymortgages.ca/tag/central-bank/) - [deflation](https://pinskymortgages.ca/tag/deflation/) - [inflation](https://pinskymortgages.ca/tag/inflation/) - [interest rate](https://pinskymortgages.ca/tag/interest-rate/) - [mortgages](https://pinskymortgages.ca/tag/mortgages/) - [account managers](https://pinskymortgages.ca/tag/account-managers/) - [mortgage brokers](https://pinskymortgages.ca/tag/mortgage-brokers/) - [mortgage industry](https://pinskymortgages.ca/tag/mortgage-industry/) - [mortgage specialist](https://pinskymortgages.ca/tag/mortgage-specialist/) - [technology in the mortgage industry](https://pinskymortgages.ca/tag/technology-in-the-mortgage-industry/) - [consumer](https://pinskymortgages.ca/tag/consumer/) - [data](https://pinskymortgages.ca/tag/data/) - [departmentoffinance](https://pinskymortgages.ca/tag/departmentoffinance/) - [Informationage](https://pinskymortgages.ca/tag/informationage/) - [mortgagebroker](https://pinskymortgages.ca/tag/mortgagebroker/) - [openbanking](https://pinskymortgages.ca/tag/openbanking/) - [COVID-19 MORTGAGES](https://pinskymortgages.ca/tag/covid-19-mortgages/) - [Condo Downtown Vancouver](https://pinskymortgages.ca/tag/condo-downtown-vancouver/) - [First Home Savings Account](https://pinskymortgages.ca/tag/first-home-savings-account/) - [FHSA](https://pinskymortgages.ca/tag/fhsa/) - [Education](https://pinskymortgages.ca/tag/education/) - [tips](https://pinskymortgages.ca/tag/tips/) - [homebuying](https://pinskymortgages.ca/tag/homebuying/) - [rates](https://pinskymortgages.ca/tag/rates/) - [market](https://pinskymortgages.ca/tag/market/) - [broker](https://pinskymortgages.ca/tag/broker/) - [housing market](https://pinskymortgages.ca/tag/housing-market/) - [rate increase](https://pinskymortgages.ca/tag/rate-increase/) - [mortgage porting](https://pinskymortgages.ca/tag/mortgage-porting/) - [interest rates](https://pinskymortgages.ca/tag/interest-rates/) - [june](https://pinskymortgages.ca/tag/june/) - [2024](https://pinskymortgages.ca/tag/2024/) - [may](https://pinskymortgages.ca/tag/may/) - [job report](https://pinskymortgages.ca/tag/job-report/) - [jobs report](https://pinskymortgages.ca/tag/jobs-report/) - [july](https://pinskymortgages.ca/tag/july/) - [rate cut](https://pinskymortgages.ca/tag/rate-cut/) - [rate](https://pinskymortgages.ca/tag/rate/) - [30 year](https://pinskymortgages.ca/tag/30-year/) - [insured](https://pinskymortgages.ca/tag/insured/) - [insured mortgages](https://pinskymortgages.ca/tag/insured-mortgages/) - [news](https://pinskymortgages.ca/tag/news/) - [pinsky](https://pinskymortgages.ca/tag/pinsky/) - [in the news](https://pinskymortgages.ca/tag/in-the-news/) - [article](https://pinskymortgages.ca/tag/article/) - [blog](https://pinskymortgages.ca/tag/blog/) - [global](https://pinskymortgages.ca/tag/global/) - [global news](https://pinskymortgages.ca/tag/global-news/) - [bloomberg](https://pinskymortgages.ca/tag/bloomberg/) - [bnn](https://pinskymortgages.ca/tag/bnn/) - [cnn](https://pinskymortgages.ca/tag/cnn/) - [tv](https://pinskymortgages.ca/tag/tv/) - [Tenancy rule changes](https://pinskymortgages.ca/tag/tenancy-rule-changes/) - [current interest rate](https://pinskymortgages.ca/tag/current-interest-rate/) - [interest rates 2024](https://pinskymortgages.ca/tag/interest-rates-2024/) - [reverse mortgages](https://pinskymortgages.ca/tag/reverse-mortgages/) - [Rate Cut & Economic Analysis](https://pinskymortgages.ca/tag/rate-cut-economic-analysis/) - [Economic Updates](https://pinskymortgages.ca/tag/economic-updates/) - [Mortgage Insurance Rule Change Details](https://pinskymortgages.ca/tag/mortgage-insurance-rule-change-details/) - [Current Fixed VS. Variable Analysis](https://pinskymortgages.ca/tag/current-fixed-vs-variable-analysis/) - [poplulation control](https://pinskymortgages.ca/tag/poplulation-control/) - [OSFI](https://pinskymortgages.ca/tag/osfi/) - [rental mortgages](https://pinskymortgages.ca/tag/rental-mortgages/) - [investment properties](https://pinskymortgages.ca/tag/investment-properties/) - [capital reserves](https://pinskymortgages.ca/tag/capital-reserves/) - [RBC](https://pinskymortgages.ca/tag/rbc/)