Essential Mortgage Company
3095 Lonsdale Avenue V7N 3J6 North Vancouver, BC, Canada

REMINDER - BC SPECULATION TAX - Declaration Due March 31st A reminder for home owners that your BC Speculation Tax declaration is due by March 31st - Easy to forgot at this time with other things on the mind. This is separate from the Vancouver Empty Homes declaration that came with your property tax notice.... If you did not receive your spec tax letter in the mail, email: [email protected]

Here is a useful link to help your clients with all the economic responses from the government. Come back here for more information. https://www.canada.ca//de...partm/economic-response-plan.html Topics include: Support for Canadians TemporaryIncome Support for Workers and Parents Longer-Term Income Support for Workers Income Support for Individuals Who Need It Most Flexibility for Taxpayers Role of Financial Institutions Mortgage Default Management Tools Support to Businesses Supporting Canadian Business through the Canada Account Helping Businesses Keep their Workers Flexibility for Businesses Filing Taxes Ensuring Businesses Have Access to Credit Supporting Financial Market Liquidity Please remember, it is all of our responsibility to help reduce the spread of COVID-19. Be well and stay healthy. #staysafe #socialdistancing

The Bank of Canada cut it's target overnight rate again! The target overnight rate cut by 50 basis points to 0.75%, effective March 16th, 2020. The unscheduled and unprecedented rate decision is due to the pandemic and its impact on the economy.... Will the Big Banks follow suit.. or should we ask when? Stay tuned for further updates.

Happy Canada Day! #canadaday

The Bank of Canada cut its target overnight rate again! The target overnight rate cut by 50 basis points to 0.75%, effective March 16th, 2020. The unscheduled and unprecedented rate decision is due to the pandemic and its impact on the economy.... Will the Big Banks follow suit.. or should we ask when? Stay tuned for further updates.

There’s too much negativity in the world - let’s all make an effort to be a little more #positive

https://www.bankofcanada.ca//fad-press-release-2020-03-04/

A home can mean many different things, whether that's security, being part of a community, or just a place to call your own. What does a home mean to you? #home #vancouver

Happy Canada Day! #canadaday

If you’ve ever heard the words ‘debt consolidation’ but don’t know what they mean, in short it’s the act of taking out one large loan to pay off a number of smaller debts. This gives you fewer monthly payments to deal with, and usually at a lower interest rate, saving you money and stress. If you’re curious about how debt consolidation works or what options may be available to you, read more here http://ow.ly/WlDW50u3IWH

As a mortgage broker, I'm always looking for ways to improve. Now, I'm more accessible to clients than ever! Curious about how a mortgage broker can help you? Book a call or meeting through the new online booking service on my website here http://ow.ly/b0TZ50u0zFT

Theres too much negativity in the world - lets all make an effort to be a little more #positive

Everyone at Essential Mortgage wants to help people get the best mortgage possible. A broker can help you prepare documents for submission, get exceptions to lender guidelines, and most importantly: give you access to their wealth of experience about the mortgage funding process. Find out more about how a broker can help you here http://ow.ly/Hros50udtVB

Sometimes you just need to sit back, relax, and enjoy where you live. #vancouver #squamish

A home can mean many different things, whether thats security, being part of a community, or just a place to call your own. What does a home mean to you? #home #vancouver

If youve ever heard the words debt consolidation but dont know what they mean, in short its the act of taking out one large loan to pay off a number of smaller debts. This gives you fewer monthly payments to deal with, and usually at a lower interest rate, saving you money and stress. If youre curious about how debt consolidation works or what options may be available to you, read more here http://ow.ly/WlDW50u3IWH

As a mortgage broker, Im always looking for ways to improve. Now, Im more accessible to clients than ever! Curious about how a mortgage broker can help you? Book a call or meeting through the new online booking service on my website here http://ow.ly/b0TZ50u0zFT

The only thing harder than working while the sun is shining, is working while the sun is shining and sneezing uncontrollably

To anyone looking for a house right now, happy hunting! And happy Easter from Essential Mortgage Company! http://ow.ly/CX6l50qQec0 #easter2019 #easter #happyeaster

When applying for financial services, such as a loan, often the deciding factor is your credit rating. Credit rating is a numerical representation of how responsible you are with the credit youre given, and making sure that you have a good score is important for qualifying for a mortgage, a car loan, or even in-store financing. Figuring out how to build good credit history can be confusing, but we have a few tips here http://ow.ly/NBb150qFjtk #myetteraynes #essentialmortgage

Anyone with a pet knows who the boss really is. Happy national pet day! #dog #officedog #petday #petday2019 #nationalpetday #nationalpetday2019 #pet #morkie #mortgage #mortgagebroker #finance #business #littledog #littledogs #doggo #pupper

Most people have some amount of debt, and that can and will influence whether or not you qualify for a mortgage. But how much debt is too much debt? The answer to that question depends on a lot of things - how much debt do you have, can you pay it off prior to a mortgage funding, and what your income is. For a longer answer, read more here http://ow.ly/maoR50p6kBg #finance #mortgage #mortgagebroker #stress #debt #realestate #tds #gds #vancouver #squamish #northvancouver #bc #business

If youre a Canadian consumer, the Bank of Canada overnight rate affects almost every other interest rate youll encounter, including mortgages. But what is it, and why does it change? To find out before the next rate announcement on April 24, read the entire post here http://ow.ly/y7w630oeJ1f #finance #overnightrate #budget2019 #canadiangovernment #mortgage #mortgagebroker #business #realestate #vancouver #squamish #northvancouver

The new federal budget tabled this week has an interesting new plan proposed to help Canadians move from renting to owning: the First Time Home Buyer Incentive. Under this plan CMHC could cover as much as 10% of the down payment on a qualifying property. To find out more about this new program and changes to the Home Buyers Plan, read more here http://ow.ly/YFjM30o8Qxc #mortgage #purchase #firsttimebuyer #business #finance #budget2019 #vancouver #northvancouver #squamish #bc #rrsp #canada

Theres more houses on the market in Vancouver today, which means a better selection of listings, and less competition from other buyers. Prices are also down considerably compared to 2018. This may be an opportune time to buy, and a great time to figure out what you can get qualified for. Want to know what you can get pre-approved for before you go house-hunting? Contact me here http://ow.ly/cHIe30o70em #finance #mortgage #mortgagebroker #loan #vancouver #squamish #northvancouver

Considering purchasing a property in the new future, refinancing your home to pay for renovations, or just curious what youll need to apply for a mortgage when the time comes? There are quite a few documents that can be needed for a mortgage that need to be recently acquired, but there are others that you can have on-hand for when you decide to start your application. To find out what these are, read more here http://ow.ly/LfFT30o30cL #mortgage #mortgagebroker #finance #business #realestate #banking #northvancouver #vancouver #squamish #bc

If you read our recent posts on how to be safe during tax time or how to protect yourself from phishing attacks, you might be thinking about other ways to stay safe in our increasingly digital world. In our blog post here http://ow.ly/Fins30nSqlF we detail exactly how you can make sure that you are as safe as possible online. #onlinesafety #onlinesecurity #vpn #encryption #privacy #onlineprivacy #mortgage #mortgagebroker #finance #vancouver #squamish

We care about your financial security, and increasingly so much of the financial world is online. Services like filing your taxes, online banking and shopping are amazingly convenient, but with that convenience comes a new group of internet-based scams and attempts to steal your sensitive information. One of the most common is phishing, essentially someone pretending to be a trusted entity - such as your internet and phone service provider - to steal your personal information. If you want to know more about what phishing is, what it looks like, and how to protect yourself, read more here http://ow.ly/SNHZ30nN53I #onlinesafety #internetsecurity #tech #business #mortgage #mortgagebroker #vancouver #squamish

To everyone we work with - clients, lenders, realtors, appraisers, lawyers - everyone involved with making a mortgage happen: we love you all. Thank you for making our industry as wonderful as it is! #valentinesday #valentine #mortgage #finance #vancouver #squamish #northvancouver #realestate

Everyone knows what to expect this time of year: unsolicited text messages from individuals claiming to be the CRA telling you that youve been given a refund prior to filing your tax return, and robocalls trying to convince you of the same - oftentimes in different languages, too! Remember to be careful about giving out your personal information this time of year, and you can always confirm whether or not a caller does represent the CRA. Want to know more about how to protect yourself during tax time? Read the entire post here http://ow.ly/2aIT30nGX8h #taxes #taxtime #identitytheft #mortgage #mortgagebroker #finance #vancouver #squamish #northvancouver

Whether youre planning on purchasing a property in the near future, or are just curious what your options are with your current financial situation, its never too early to talk to a broker. http://ow.ly/ZPc130nFfzU #mortgage #mortgagebroker #finance #vancouver #squamish #northvancouver

Happy Lunar New Year from everyone at Essential Mortgage Company! . . . .... #yearofthepig #lunarnewyear #chinesenewyear #vancouver #squamish #northvancouver #mortgage #mortgagebroker #finance See more

Sometimes you get some news that you just need to celebrate, and this is definitely one of those times! Canada is now ranked #1 in the world for quality of life, just above Sweden and Denmark. Go Canada! #Canada #goCanada #qualityoflife #lifesgood #lifeisgood #finance #business #mortgage #mortgagebroker #squamish #vancouver #northvancouver

Even Benny knows its a Friday #tgif #friday #dog #morkie #officedog #mortgagebroker #finance

Today the Bank of Canada announced that the overnight rate is not changing! Despite falling short of projections made at the time of the last announcement, the overnight rate is holding at 1.75%. The overnight rate is the average interest rate the Bank of Canada wants for one-day (also called overnight) loans between major financial institutions. In terms of what that means for consumers, the overnight rate influences many other interest rates, such as consumer loans and mortgages. This means that interest rates will remain as they have since the overnight rate increased from 1.5% to 1.75% on October 24th, 2018. The Bank of Canada will next announce the overnight rate in eight weeks on March 6, 2019. #finance #mortgage #mortgagebroker #bankofcanada #overnightrate #loan #vancouver #squamish #northvancouver

So, its been one week since New Years Day. Have you kept to your New Years Resolutions? What were they? . . . #happynewyear #newyearsresolution #newyearsresolutions #2019 #newyear2019 #mortgagebroker #realestate #northvancouver #squamish #vancouver #bc

Happy new year!

However we celebrate, we wish you well this holiday season. Happy holidays! . . . .... #happyholidays #holidays #holidayseason #merrychristmas #happyhanukkah #solstice

An important reminder on this December Monday... . . . #coffee #praisecoffee #coffee_holic #mortgage #mortgagebroker #vancouver #northvancouver #squamish #monday

Coming soon to EMC a new comprehensive home buyers guide that lays out all the new changes and programs available to you.

We just want to bring attention to @4ocean - an amazing cause for our critically important environment. If youve ever wanted to contribute to an environmental cause but werent sure how, theyre a great starting point! . . . .... . . #4ocean #environment #environmentallyfriendly #environmentalism #green #gogreen #mortgage #mortgagebroker See more

More proof that were living in the future... Mortgage Centre Canada has a phone app that can help you decide how much you can afford on a mortgage! But not just that - it can show you what your maximum loan amount under the new stress test rules is, land transfer taxes, and even closing costs! Definitely an awesome tool, and an example of how great technology is. http://ow.ly/Htit30mxpyu #mortgage #mortgagebroker #vancouver #northvancouver #squamish #finance #business #realestate #mcc #mortgagecentrecanada

The first blog post has been published on my new website! If youre curious why you would ever work with a mortgage broker - or you just want to know more - you might be surprised! http://ow.ly/eQHD30mxowj #mortgage #mortgagebroker #finance #homebuying #financing #vancouver #northvancouver #squamish

This CBC article has a lot of great points! Especially when it comes to shopping around for a mortgage prior to renewal - why pay more interest when a different lender will give you a better deal? All the more reason to work with a broker! http://ow.ly/FRYJ30msUwF #mortgage #interest #mortgagebroker #mortgagerenewal

Happy Halloween everyone! Be safe, and watch some cheesy horror movies! . . . .... . #halloween #happyhalloween #spooktober #spooktober2018 #spooky #mortgage #mortgagebroker See more

I have a new website! Check it out at http://ow.ly/ZxGs30mq76q #mortgage #mortgagebroker #realestate #finance #vancouver #squamish #northvancouver #bc