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Monday 9am - 7pm Tuesday 9am - 7pm Wednesday 9am - 7pm Thursday 9am - 7pm Friday 9am - 5pm Saturday 12pm - 3pm Sunday 9am - 5pm

Livian Smith - DLC Next Generation Mortgage

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Canada
Coquitlam West, BC
Livian Smith - DLC Next Generation Mortgage

I support people navigate the sometimes overwhelming process of buying and refinancing

11/27/2025

💡📈 Building a brighter future with your RRSPs! Discover the steps to using them for your down payment in Canada. It's a financial strategy that opens doors to homeownership.

RRSPs: Save for retirement, tax-deductible contributions. 💰

🏡 HBP: Withdraw $35,000 for down payment, eligibility rules apply.

💼 Repayment: 15 years, starts in year 2, missed payments taxable.

💎 Benefits: Tax-free withdrawals, control, no HBP penalty.

🏠 Unlock Homeownership: Use RRSPs for your dream home. 🌟

Let's explore your options!

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

11/25/2025

🏡💰 Refinancing 101: Unlocking Home Equity!

When refinancing your mortgage, you tap into your home's equity based on its current value.

This allows you to swap your existing mortgage, which might have a higher interest rate, for a new one with more favourable, lower rates.

It's an ideal option for those aiming to consolidate debts or extract cash for investments.

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

11/23/2025

🌟🏡 Your dream house is waiting to become your dream home. Fill it with love, laughter, and cherished moments. The journey to homeownership is a magical one. Let's make it happen!

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

11/21/2025

Our services are FREE for most lenders; fees apply for non traditional lending & private lending.

Don't let fees scare you! Who said quality advice has to be expensive when it's actually FREE in most cases? 💡

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

11/19/2025

🏡📦 Moving soon? Avoid these 3 Common Mistakes Before You Move! 🍁

💰 Underestimating the Cost: Moving expenses can add up quickly. Don't forget to budget for packing supplies, hiring movers, and any unexpected costs. Pro tip: Get multiple quotes from moving companies for the best deal. 💵📋

🧹 Neglecting the Decluttering: Moving is the perfect time to declutter and get rid of items you no longer need. Don't make the mistake of packing everything – donate, sell, or toss what you can to lighten the load. ♻️🧹

💡 Forgetting About Utilities: Ensure a smooth transition by transferring or disconnecting utilities (electricity, water, gas, internet, etc.) well in advance. Missing this step can lead to unnecessary stress and service disruptions. 📆🔌

Moving can be a breeze with the right preparation! 🚚✨

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

11/17/2025

🏦🤓 A Licensed Mortgage Professional is your dedicated advocate in the homebuying process.

Expertise and Guidance: Mortgage brokers possess extensive knowledge of the mortgage market, which enables them to offer expert guidance on the most suitable loan options, interest rates, and terms based on individual financial situations.

Access to a Wide Range of Options: Brokers have access to a variety of lenders, including some that don't directly deal with the public. This wide selection can lead to more competitive rates and terms that may not be available to the general public.

Time and Effort Savings: A mortgage broker handles the legwork of finding and comparing mortgage products, negotiating with lenders, and managing paperwork. This saves valuable time and reduces the effort for the borrower.

Personalized Service: Mortgage brokers offer a personalized service, tailoring their search and recommendations to the specific needs and financial circumstances of each client, ensuring a more customized and suitable mortgage solution.

Ready to make your homebuying journey smoother?

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

11/15/2025

🌈✨ In the pursuit of your dreams, remember: Everything will be just fine. The challenges you face today are stepping stones to a brighter future. Keep going!

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

11/13/2025

🤝🏦💼 Bank Mortgage Specialist vs. 🏡🔑 Independent Licensed Mortgage Professional: Understanding the Key Differences

🏦 Bank Mortgage Specialist:

🔗 Tied to One Bank: Works for a specific bank, offering only their mortgage products. 🏦

🤷‍♂️ Licensing and Governance: Not governed by provincial bodies, no external accountability. 🚫

🎁 Loyalty Incentives: Offers perks like reduced fees or better rates for existing customers. 🎉

🏡 Independent Licensed Mortgage Professional:

📜 Must be Licensed: Governed under provincial regulations, adhering to high standards. ✅

🌐 Access to Multiple Lenders: Not restricted to one institution, connects with various lenders for more options. 🏦🤝

🛒 Rate Shopping: Shops around for the best mortgage rates and terms for you. 💲

🤔 Objective Advice: Provides impartial advice, not limited to one institution's products. 🧭

🎯 Specialization: May specialize in specific mortgage needs like for self-employed individuals. 🏢

💸 Brokerage Fees: Usually paid by the lender, offering you free services. 👍

🧠 Mortgage Expertise: Expert in mortgage financing, guiding you through the process. 💡

💫 Your financial future deserves the best! Choose wisely! 🌟

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

11/11/2025

🏡🔑📋 Ready to buy your dream home? 🏰🌟 Take a moment for these quick tips! 🚀 They could save you time ⏰, money 💰, and stress 😌. Your path to homeownership starts with the right advice 🗺️. Let's dive in! 🏊

📝✅ Ensure that you secure approval for a mortgage: Securing pre-approval helps set your budget and strengthens your buying position. 🏦💸

🔍🏠 Ensure the home is inspected to assess its safety and overall condition: A thorough inspection can reveal potential problems and save future costs. 🛠️🔎

💼👥 Utilize your mortgage broker: They can offer valuable advice and help find the best mortgage deal for you. 🤝💡

📚🔑 Topics such as property inspections and financing are important: Stay informed and consider these key factors in your decision-making process. 🧐🏢

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

11/09/2025

🚀🏡 Attention first-time buyers! Don't miss out on these essential homebuyer programs that can supercharge your path to homeownership. From financial assistance to expert advice, we're here to support your journey. Are you ready to take the first step?

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

10/31/2025

Don't miss these key considerations that can impact your home-buying journey. Discover the value of having a trusted mortgage broker by your side.

Location: Spend some time getting to know the area you're interested in to see if it fits well with your lifestyle and needs.

Appliances: Consider the age of the home's appliances, as replacing them can end up being expensive in the long run.

Reason for sale: Understanding the seller's motivations can help you see potential dealbreakers about the property.

Age of House: If you find an older property that meets your requirements, keep in mind that it may be in need of some renovations.

Layout: The layout of the spaces is important, as it can affect the functionality and ease of navigating the home.

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

10/29/2025

💪 Small wins are the building blocks of massive successes. Celebrating every little victory because every step counts! 🌟

📞 604-781-4967
📩 [email protected]
🌐 www.liviansmith.ca

Address

Coquitlam West, BC

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 5pm
Saturday	12pm - 3pm
Sunday	9am - 5pm

Telephone

+16047814967

Website

http://www.liviansmith.ca/

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