Mortgage Broker Yubei Polly Archer

07/31/2025

💰 TD Mortgage Cash Bonus Offer – At a Glance
Promotion Period:
Apply and fund a new TD Mortgage or TD Home Equity FlexLine with a Term Portion by November 30, 2025.

✅ What You Can Get:
Up to $4,000 Cash Bonus
Available when you apply for and fund a new mortgage or FlexLine with a Term Portion at TD.
Bonus $1,100 for Switchers
If you're switching your mortgage from another financial institution to TD, you can get an extra $1,100.
🔍 Eligibility Overview:
To qualify, typically you need to:

Be approved and fund your mortgage or term portion by the deadline.
Meet the minimum mortgage amount (often $100,000+).
Sign up for a fixed or variable rate closed term.
Not break the mortgage early (bonus might be clawed back).
New applications only – refinances of existing TD mortgages may not qualify.
💡 Tips:
The cash bonus amount depends on your mortgage size.
Read the fine print or ask me for full offer conditions.
Make sure you're not paying higher interest just to get a cash bonus — compare overall mortgage costs.
Would you like a comparison calculator or help estimating how much cash you'd qualify for based on your mortgage amount?

Contact (604) 715-6377 for your purchase, renew and refinance!

Call now to connect with business.

01/15/2015

Apr. 2015 Mortgage rate update:
5 years fixed rate: 2.64%
5 years Variable rate 2.1%
Available for transfer, refinance and purchase! The best time with the lowest rate!

02/19/2014

Problem Resolution Private Financing

Not qualifying due to credit score, debt service, or incomeverification issues?
In bankruptcy?
Dealing with collections or judgments?
In Foreclosure?
Self-employed and can't get financing through the banks?
Going through a divorce and needs to settle the existing mortgage or other debts?
Looking for great rates, flexible terms and quick funding?
Contact me if you have friends who need help!
Rates starting as low as 4.5%!

02/05/2014

Banks Vs Mono-Line LendersPosted November 3, 2011 by & filed under Uncategorized.This article is stating that many consumers out there are coming to mortgage brokers and demanding that their mortgage be placed with one of the big six banks. One mortgage broker even says that his client took a higher...

01/28/2014

OWN YOU OWN HOME IN 2014!

Many people are having the difficulties owning their own homes due to the following reasons:
- Bruised credit
- Self employment
- Bankruptcy history
- Little down payment
- Divorced
- New to Canada

Having any of above, and would like to start living under your own roof?
Talk to your friends and family, here I can help with all above difficulties cross Canada, please call for a free no obligation consultation at 604-715-6377

01/02/2014

Greeting! Wishing you a happy, healthy, and prosperous 2014, I look forward to working with you in the new year!!!

10/24/2013

Did you know what is credit history?

A good credit report and credit score are important factors in determining whether or not you will be approved for a mortgage. Here are some simple steps you can take to maintain a good credit history — and improve your chances of being approved.

What is a Credit Score?

Your credit score is a number that illustrates your financial health at a specific point in time. It also serves as an indicator of your financial past, and how consistently you pay off your bills and debts. This is one of the factors mortgage professionals consider in qualifying you for a mortgage.

How to Check Your Credit Score

To find out your credit score, contact Canada’s two credit-reporting agencies: Equifax Canada at www.equifax.ca and TransUnion Canada at www.transunion.ca.

For a fee, these agencies will provide you with an online copy of your credit score as well as a credit report — a detailed summary of your credit history, employment history and personal financial information on file. You can also obtain a free copy of your credit report by mail. If you find any errors in your report, notify the credit-reporting agency and the organization responsible for the inaccuracy immediately.

If You Do Not Have a Credit Score

It’s important to begin building a credit history as early as possible. You can begin to build one by applying for — and responsibly using — a credit card. Your financial institution or mortgage professional can help.

How to Improve Your Credit Score

Demonstrating your ability to manage credit is key to maintaining a good credit score. There are a number of things you can do to improve your credit score. These include:

Always pay your bills in full and on time. If you cannot pay the full amount, try to pay at least the required minimum shown on your monthly statement.
Pay off your debts (such as loans, credit cards, lines of credit, etc.) as quickly as possible.
Never go over the limit on your credit cards, and try to keep your balances well below the limits.
Reduce the number of credit card or loan applications you make.
Once your credit score has improved, work with your mortgage professional to obtain a mortgage that works for you.

09/30/2013

6. Borrow from your RRSP

You can withdraw up to $25,000 from your RRSP to buy your first home. This is a great way to come up with a down payment if you already have some RRSPs. If you don’t, this may be a good way to save money for your RRSP and at the same time get a tax credit to help reduce your taxes. The only catch to this program is that you have to pay the money back to your RRSP within 15 years. If you don’t repay the money, it is treated as income and you will have to pay tax on the money you withdrew as though it were income. Check with your financial planner or advisor to see if this option is right for you.

7. Use the Tax Free Savings Account

The Tax Free Savings Account can also be a great place to save your down payment money. The money can grow tax free in this account. This means you won’t have to pay income tax on the money you earn as it grows in this account. Consult with your financial planner or advisor.

8. See if your city has a First Time Homebuyers Program

From time to time some cities have programs where they provide new home buyers with part of their down payment for their first home as an interest free loan. Programs like this are usually initiated for two purposes: 1) to make it easier for first time home buyers to afford a home in an expensive city, and 2) to redevelop a part of the city that is struggling. These programs usually have very specific requirements. You can check with your city hall to see if your city has any sort of program like this to help first time home buyers. In the past, Winnipeg, Manitoba and Surrey, British Columbia have offered up to $20,000 per couple under these programs. The money is repaid without interest over a set number of years.

09/27/2013

Tip # 5 for save downpayment for a home or any other big purchase

5. Look for cheaper ways to do things

This is how smart people save a lot of money. They make a lifestyle of finding cheaper ways to do things without diminishing their fun. Here are some great examples:

Do you buy a lot of new books? Try the library. They have zillions of books that you can borrow for free.
Do you go out to a lot of movies? Try renting or sticking with cable. Some people are now even dropping their cable in favor of watching shows online. This works really well in the U.S., but it is getting better in Canada.
Do you eat out a lot? Try eating out less or look for cheaper places to eat that you still like. You can also look for 2 for 1 coupons or buy an Entertainment Book and only eat at the places that have coupons (this will cut your eating out budget in half).
Do you spend a lot of money on your hobbies? Try spending less or finding other hobbies that cost less—at least for a while.
Do you buy a lot of new clothes? Try sticking with your current wardrobe for a little longer, or selectively buy clothing items that coordinate with what you already have. This will allow you to put together more outfits with fewer clothes. When you buy your clothes, look for sales.
Do you take expensive vacations? Try something less expensive or closer to home.
Do you buy a lot of new music? Try listening to the radio more, borrow music from the library or buy a card to monitor how much you download (and then you get what you actually want to listen to!).
If you have a busy family, you can really save money if you eat at home more often (and this includes buying less snacks and drinks on the run), and look for fun things to do around your community that are free or don’t cost very much. If you go to the movies a lot, try renting. If you rent a lot, you could save even more by checking out the library. Many libraries have videos you can borrow for free. This option is really great for kids.
If you are able to work some of these changes into your lifestyle, you will definitely save money. However, the key to saving money is to resist the temptation to spend it on something else right away, and to start considering the cheaper alternatives.

09/26/2013

Tip # 3 and 4 for save downpayment for a home

3. Get rid of one car

If you have a partner and you have two cars, consider getting rid of one. This can save you thousands of dollars per year. You can move closer to where you work or where your partner works. You or your partner can look at walking, take transit, car pooling or even cycling to work (weather permitting). If you can make this work, you can potentially save one car payment every month, plus gas, maintenance and insurance. This adds up very quickly into some big savings. Try to bank all of this money if you can. If you don’t want to go cold turkey on this idea, try parking your car for a couple of months first to see if it works for you. Then sell your car once you see that it does work.

4. Save more from work

When you get a raise at work, take that extra money and save it in a separate savings account. It may not seem like much, but it will add up. Also try saving bonuses, extra sales commissions or tax refunds in your separate savings account.