Getting You The Best Mortgage With The Least Amount Of Stress, Period. More than 350 ⭐️⭐️⭐️⭐️⭐️ reviews! Don't be afraid of mortgages. We make it easy by guiding you through the entire process. Contact Us Book A Free Consultation. You should get the best mortgage possible! Request a free consultation and we’ll handle the rest. First & Last Name Phone Email How can we help? How did you hear about us? Select ItemReferralIndustry eventGoogle searchSocial mediaOther Book Now Mortgage Brokers in Vancouver, BC Learn More First-Time Buyer? We are here to help you learn more about the mortgage process & how to find the best mortgage solution for you! Button navigation Learn More 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. Button navigation Learn More Advanced? For those looking beyond the more standard mortgage options, we can help you find the right advanced strategy for your home. Button navigation The Pinsky Approach We work for you to deliver unbiased mortgage advice while offering you choice of mortgage options for each and every one of your mortgage needs. [01] 3 Unique Mortgage Bids Our approach is unique; we provide you with the choice of at least 3 lenders for your mortgage because not every lender or mortgage fits every circumstance. With these choices we can find you the rate, options and mortgage flexibility that best fits your needs. [02] 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! [03] Free Mortgage Appraisals* Your seamless mortgage experience should ensure you understand and meet lender’ requirements. Independent valuations of your property may be required. We go over your appraisal so your home valuation is clear to you. *Some restrictions apply. Latest Resources Check out our deep dives in mortgage education and learn how to manage your home. All Resources Read Article Interest Rates & Neutral Rates Category: First Time Buyer, 5 Yr Fixed (insured) 4.84% ↑ 0.10% 3 Yr Fixed (insured) 4.99% – 5 Yr Fixed 5.09% – 3 Yr Fixed 5.09% ↓ 0.05% 5 Yr Variable (insured) 6.20% ↑ 0.10% 2 Yr Fixed (insured)… Read Article Read Article New Stress Test – Yes and No… Category: First Time Buyer, 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… Read Article Read Article Variable: Lock in? And if Yes, When? Category: First Time Buyer, 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… Read Article Read Article Advanced Strategies: Cash Damming – Here’s What It Is Category: Education and Learning,First Time Buyer,Home Purchase, Good Evening Amazing Partners, Why is money called dough?! It’s ’cause we all “knead it.” We’ve had a little bit of a teeter-totter with rates recently. The bond market has been going down, then up, and now most recently… Read Article Read Article Looking at the Variable Again Category: Education and Learning,First Time Buyer,Home Purchase, 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… Read Article Read Article Buying and Selling – How Dates Can Line Up Category: Education and Learning,First Time Buyer,Home Purchase, Buying and Selling – How Dates Can Line Up It can be fairly complex when you want to buy a new property and you need the equity in a property you want to sell. IE,… Read Article Read Article First-Time Home Buyers’ Tax Credit (HBTC) Category: Education and Learning,First Time Buyer,Home Purchase, First-Time Home Buyers’ Tax Credit (HBTC) First-Time Home Buyers’ Tax CreditThe government allows first time homeowners to save \$1,500 on their taxes by claiming \$10,000 on Line 31270 on their 2023 tax returns. In order to save \$1,500, the… Read Article Read Article Current Interest Rates & Analysis – Jan 8, 2024 Category: Education and Learning,First Time Buyer,Home Purchase, Current Interest Rates & Analysis – Jan 8, 2024 Summary: Fixed interest rates have been decreasing steadily over the past two months. At the same time, the variable rates have increased (the discounts off of… Read Article Read Article All About Mortgage Porting Category: Education and Learning,First Time Buyer,Home Purchase, 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… Read Article Read Article Rates Held! No rate increase Dec. 6 Category: Education and Learning,Home Purchase, 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… Read Article Read Article Has Zoning Been Eliminated? Category: Education and Learning,Home Purchase, Article Summary: The BC Government is going it alone and has introduced legislation to force municipalities to allow for higher density. The cost of housing isn’t *strictly* a supply and demand issue but it is… Read Article Read Article A 5-Year Fixed May Be a Bad Idea! Category: Education and Learning,Home Purchase, A 5-Year Fixed May Be a Bad Idea! Summary: Long-term mortgages have higher penalties than shorter term mortgages or variable mortgages, and these penalties would outweigh any benefit of refinancing to a lower rate in… Read Article Read Article The First Home Savings Account (FHSA) Category: Education and Learning,Home Purchase, The FHSA is an excellent opportunity for first time home buyers to save for a home, decrease income taxes, and save on investment growth too! When saving for a home, consider the FHSA before contributing… Read Article Read Article 3-Year Fixed vs. 5-Year Fixed vs. 5-Year Variable Category: Education and Learning,First Time Buyer,Home Purchase,Renew Refinance, Article Summary: I would advise going with a 3-year fixed rate over the 5-year rate. I would also heavily explore the variable again while rates are as high as they are. This is going to… Read Article Read Article Economic Update – October 25th, 2023 Category: Education and Learning,First Time Buyer,Home Purchase,Renew Refinance, Economic Update – No Rate Change Expected Summary: Interest rates are expected to stay the same next week as inflation dipped more than expected.On October 25, 2023, the Bank of Canada (BoC) is *expected* to… Read Article Read Article Home Buyers Plan and Tax Free Savings Account Category: First Time Buyer, 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… Read Article Read Article Mortgage Insurance and Interest Rate Tiers Category: First Time Buyer, 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… Read Article Read Article Follow The Money – Who gets which transaction? Category: First Time Buyer, 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… Read Article Read Article Bridge Financing vs Interim Financing: Explained Category: First Time Buyer, 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… Read Article Read Article How to Increase Happiness Category: First Time Buyer, 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… Read Article Are you a real estate agent? Please don’t hesitate to contact us and ask about our mortgage process. We’re here for you and for your clients!We’ve created a process for each client that includes 8 workflows with a total of 40 steps. This unique process has been developed in order to ensure that nothing falls through the cracks. Every client receives the same amazing mortgage service that you have come to expect. Learn More What our clients are saying After several last-minute letdowns from multiple local brokers only to be denied due to an unknown 3rd party’s neglect, I found Pinsky online with great-sounding reviews. I had barely left an email when suddenly Eitan was phoning me. After explaining my dilemma and the limited time frame he assured me it wouldn’t be a problem and not to worry anymore. There was no shortage of obstacles but Parmeeed and Eitan took the challenge and came through for me when no one else could. This morning I received a call from my new mortgage lender welcoming me to their bank. I am so grateful my Karma was in my favour to have found them. It goes without hesitation that I will recommend Pinsky Mortgage. — John Tait My partner and I primarily worked with Adam Clarke and could not have had a more positive experience purchasing our first home. Adam and team were extremely professional, responsive and very easy to work with. Adam guided us through the whole process and patiently answered every little question we had (and there were many). We would definitely recommend Pinsky Mortgages to everyone! — Caroline Graham A truly amazing team of professionals! Buying a place in this market can be very stressful, but Pinsky Mortgages were very supportive and helpful throughout the whole process. We always felt that we are in good hands. A special thank you to Adrianna for always being there to help and answer all our questions (we had a looooot of them). It’s so great to work with people who care! — Anastassiya Portnyagina Eitan and his team are extremely professional and guided us through the purchase of our first home. They were very responsive and made us feel confident that we understood the process from start to finish. Thank you to the team – we could not be happier with the end result! — Annie Stewart We could not have expected better! We worked with the A team (Adam C mostly). Adam was so on point and really got us a sweet deal. He was very helpful and friendly. He made the whole process so much simpler and stress-free, as he was on top of everything we needed. I would absolutely recommend working with him and Pinsky Mortgages. — Jeremy Bottein 5.0 on Google | Leave a Rewiew Some of our lending Partners