Majid Sharifi, Mortgage Broker In Vancouver

01/01/2026

❌ بانک بهت وام نداد؟
این به معنی از دست رفتن فرصت خرید خونه نیست.
🔹 B-Side Mortgage برای چه کسانیه؟
✔️ Self-Employed ها
✔️ کسایی که درآمدشون با T4 قابل نشون دادن نیست
✔️ کردیت اسکور پایین‌تر از استاندارد بانک
✔️ استفاده از Bank Statement به‌جای روش‌های سنتی
📌 وام B-Side می‌تونه
۱ ساله، ۲ ساله
و حتی تا ۵ ساله هم بسته بشه
بسته به شرایط مالی، هدف شما
و استراتژی درست وام‌گیری.
💡 نکته مهم:
B-Side بن‌بست نیست.
می‌تونه یک استراتژی میان‌مدت یا بلندمدت هوشمندانه باشه
یا پلی برای برگشت به بانک با شرایط بهتر.
📞 اگه بانک بهت «نه» گفته،
قبل از ناامید شدن، با من صحبت کن .راه‌حل همیشه فقط بانک نیست.

10/03/2025

September MLS® Housing Market Report: Another Bank of Canada rate cut and easing prices helped home sales registered on the MLS® in Metro Vancouver edge higher relative to September last year.

Learn more: https://bit.ly/46QFhpZ

09/23/2025

📉 Fixed or Variable? Which mortgage rate is better right now?

✅ Variable rates will likely come down in the coming months.
Why? Canada’s job market is weakening:
July: ~40,000 jobs lost, unemployment 6.9%
August: ~66,000 jobs lost, unemployment 7.1%
This puts pressure on the Bank of Canada to lower rates.
But remember — job numbers are volatile month to month.
🔒 On the other hand, fixed rates are around 4% today. If you want peace of mind and stability, fixed could be the safer choice.

👉 Bottom line:
Want to take advantage of potential cuts? → Variable
Want stability and predictable payments? → Fixed

09/16/2025

📉 Rate Cut Incoming? Bank of Canada Poised to Act! 🇨🇦💸

Big news for homeowners, buyers, and anyone watching the economy:

The Bank of Canada is expected to cut interest rates tomorrow – marking what could be the second consecutive rate cut in response to a cooling economy. 🏦❄️

Here’s what you need to know:
🔹 Why the cut?
Slowing economic growth and weak consumer spending are starting to outweigh inflation concerns.
🔹 Inflation is easing:
Core inflation has been trending downward – giving the BoC more breathing room to stimulate the economy.

🔹 What it means for you:
✅ Lower mortgage rates
✅ Potential boost for real estate
✅ Businesses might see easier credit conditions

09/10/2025

MLS® HPI benchmark prices are easing, while home sales are picking up as buyers’ and sellers’ expectations become more aligned.

New listing volumes remain consistent with the ten-year seasonal average, keeping overall inventory steady — but if these trends continue, rising demand will begin to diminish standing inventory levels, and the window of plentiful opportunity for buyers could start to close.

08/07/2025

Sales activity is now recovering, with healthy levels of inventory to keep home prices trending sideways over the short term. However, if the recovery in sales activity accelerates, these favorable conditions for home buyers may begin slowly slipping away, as inventory levels decline, and home sellers gain more bargaining power.

Sales activity is now recovering, with healthy levels of inventory to keep home prices trending sideways over the short term. However, if the recovery in sales activity accelerates, these favorable conditions for home buyers may begin slowly slipping away, as inventory levels decline, and home sellers gain more bargaining power.

Check out these market highlights and read the full July MLS® housing market report for more analysis: https://bit.ly/3J2TfN4

07/30/2025

Bank of Canada Holds Rates at 2.75% — But Hints at Cuts Ahead

In its latest move on July 30, 2025, the Bank of Canada held the benchmark interest rate steady at 2.75%—marking a third straight pause amid persistent uncertainty. While core inflation remains stubbornly above the target range (~3%), trade policy unpredictability and global risks continue to hold back decision‑makers. Despite this, the Bank retains a dovish “easing bias” and signaled the possibility of future rate cuts if economic conditions worsen.

🏦 Key takeaways:
– Rate unchanged, but door remains open for reductions
– Inflation pressure balanced by cautious optimism
– Market expects at least two more cuts by year-end if data softens

For homeowners and potential buyers, it means variable mortgage rates may edge lower—but fixed rates likely remain steady in the short term.

Stay tuned for updates and how this impacts your mortgage strategy.

07/07/2025

📊 Greater Vancouver Market Update – June 2025

🚨 Signs of a Comeback?
Sales are still down year-over-year (–9.8%) but the pace of decline is slowing, hinting at early signs of a market recovery.

🏘️ More Listings = More Choices

New Listings: 🔼 10.3% vs. last year
Active Listings: 📈 23.8% higher
Buyers now have more inventory and less competition.
📉 Prices Holding Steady

Benchmark Price: $1.17M (–2.8% YoY)
Detached: $1.99M | Townhomes: $1.10M | Condos: $748K
Small monthly declines show a balanced market, not a crash.
⚖️ Balanced Market Conditions

Sales-to-Active Listings Ratio: 12.8%
(Not a buyer's or seller's market—just right for smart, strategic moves.)

💰 Low Rates, Big Opportunity

















With mortgage rates down ~2% from last summer, buyers are regaining power.

07/03/2025

✅ Program Highlights:
No Income Verification
Credit Bruises Accepted (Min. 620 — lower considered)
Equity-Based – Approval Based on Property
Loans from $100,000 to $20,000,000
Fast Closings – Get Funded in Days
Flexible Terms & Short-Term Options

🏡 We Lend On Many Property Types:
Residential:
• Detached Homes & Townhouses
• Condos (Including Rentals & Vacant Units)
• Acreages (up to 5 acres)
• Short-Term & Student Rentals
• Rooming Houses

Commercial & Mixed-Use:
• Multi-Family (5+ Units)
• Retail, Office & Industrial
• Automotive & Mechanic Shops
• Mobile Home Parks
• Daycares, Restaurants & Bars
• Self-Storage Facilities

07/01/2025

🏡 B-LENDER MORTGAGE SOLUTIONS
A Flexible Path to Homeownership

📌 Designed for hardworking Canadians who need more flexible options — ideal for:

✅ Self-Employed (No NOA)
✅ New-to-Credit or Limited Credit History
✅ Bruised Credit (Min. Score: 580)
✅ Owner-Occupied, Rentals & Second Homes

✅ PRODUCT FEATURES:
Up to 80% LTV
1 to 5 Year Terms
Competitive Rates
Purchase, Refinance & Equity Take-Out
35-Year Amortization
Light Documentation

06/27/2025

📢 Commercial Lending Solutions
🏢 We Finance a Wide Range of Property Types:

✅ Mixed-Use
✅ Multi-Family (5+ Units)
✅ Retail & Office
✅ Industrial
✅ Automotive Facilities
✅ Mobile Home Parks
✅ Self-Storage
✅ Daycares, Restaurants, Bars & More

05/21/2025

🏙️ Rising Inventory of Unsold Condos

As of early 2025, Metro Vancouver has over 2,000 completed but unsold condos, with projections indicating this number could rise to approximately 3,400 by year-end—a 60% increase from 2024.

🏗️ Mismatch Between Supply and Demand

Despite the increase in housing units, there is a significant mismatch between the types of homes being built and the needs of residents.
Many of the unsold condos are smaller units, often less than 600 square feet, which may not meet the needs of families or individuals seeking affordable, long-term housing.