Mortgage Renewals & Transfers in Vancouver, BC

If you are planning to renew your mortgage at your current lender, you may be leaving money on the table. Lenders always provide you with uncompetitive rates on the first go and generally won’t give you their best rates upon renewal. Your current lender *may* provide you with their best interest rates if you provide them with a rate approval from a different lender. Contact Pinsky Mortgages to see if we can get you a better rate! Bring in your renewal notice showing your offered interested rate and we will do our best to beat it.

Alternatively, you may want a new mortgage product upon renewal. We will also work with you to choose a mortgage that suits your future goals. Maybe this time you would like to add a Home Equity Line of Credit, look at reducing monthly payments, or need a more flexible product in case you want to sell and purchase a new home in the future. Please don’t hesitate to contact us about your housing and home financing goals for a full review.

For more information about renewals, please see our Renewals section on the Mortgage Resources page.

Our Process

Together we develop mortgage strategies with pre-payment scenarios tailored just for you. This important step allows you to pay down your mortgage faster while paying less interest overall. Most importantly, we go over “Payment Shock” and how to avoid it.

You should get the best mortgage possible! Request a free consultation and we’ll handle the rest.

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First-Time Buyer?

We are here to help you learn more about the mortgage process & how to find the best mortgage solution for you!

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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.

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Advanced?

For those looking beyond the more standard mortgage options, we can help you find the right advanced strategy for your home.

We’re looking forward to providing you with the mortgage advice and service all of our clients and referrals have come to expect.

[01]

Review lenders, mortgage options, and mortgage types

Not all mortgages or lenders are created equal. We will go over available mortgage options and highlight the features you may want based on your future financial goals.

[02]

Determine a timeline for your purchase

Your purchase timeline dictates whether a pre-approval should be started or, if you have a home under contract, a firm approval should be processed right away.

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[03]

Submit required documentation

Your pre-approval is contingent upon lenders having your income documentation, down payment confirmation, and your credit bureau.

[04]

You and your Realtor will analyze your needs, wants and priorities for your new home

Determine the type of home you are interested in purchasing. Your Realtor will help you find and rate properties based on criteria you create together.

[05]

Tour properties with your Realtor

After looking at properties, you will find a home that fits your needs.

[06]

You and your Realtor decide on a desired purchase price

The sellers will either accept, reject, or counter your offer. This process will go on until a mutual agreement is met.

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[07]

Provide property information to Pinsky Mortgages

Submit your closing contract, MLS listing, Property Disclosure Statement and Form B with its attachments.

[08]

Mortgage submission and your 3 Unique Mortgage Bids

With a closing date in mind, we will be able to provide you with 3 competitive mortgage bids for your mortgage. Your initial pre-approval will be included in your options.

[09]

Property due diligence

Have the home inspected by a qualified home inspector, read the strata minutes (if applicable), and become acquainted with any other relevant property information. At this time, an appraisal may be required by the lender.

[10]

Make arrangements

Make arrangements with your:

Conveyancing lawyer or notary
Home insurance specialist
Personal insurance specialist
Movers or book your moving truck

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[11]

Completion Day

On the completion day, your lawyer will handle the money and title transfer on your behalf.

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

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Mortgage Renewals & Transfers in Vancouver, BC

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