Vivian - Mortgage Broker

05/13/2025

Mortgage Solutions - Business for Self Program

Being your own boss shouldn’t mean struggling to qualify for a mortgage. Traditional lenders often want to see consistent, provable income — but there are flexible options available for self-employed Canadians.

Here's how I help:

✅ Stated Income Program - Great for clients with strong credit but non-traditional income reporting.

✅ Use of Business Financials - We can use business financial statements to prove income in creative ways.

✅ Access to Alternative Lenders - These lenders look at the whole picture, not just your T4.

✅ Low Doc Options – Fewer paperwork hurdles for established self-employed professionals.

✅ Solutions for New Business Owners – Yes, even if you’ve only been self-employed for a year!

💼 Whether you're a freelancer, consultant, or run a small business, I can help you find the right mortgage solution tailored to your unique income situation.

Let's talk before you house hunt or renew.

01/13/2025

Unlock Your Retirement Potential with a Reverse Mortgage!
🏠 Do you own your home but worry about cash flow in retirement?
A reverse mortgage lets you convert your home equity into cash without selling your home or moving out.

✅ Financial Freedom: No monthly payments—access funds as you need them.
✅ Stay in Your Home: Keep living where you love most.
✅ Flexible Options: Get a lump sum, monthly payments, or a line of credit.

Turn your home into a source of peace of mind for your golden years!

04/30/2024

Major bank 5 year variable rate promo: 6.19% (P-1.01%). Offer ends on May 14, 2024.

04/12/2024

* Allow 30-year amortization periods on insured mortgages for first-time homebuyers purchasing newly built homes. The change will take effect Aug 1.
* Raise the amount first-time homebuyers can withdraw from their RRSPs to buy a home - to $60, 000 from $35,000 as of April 16.
* People who have made or will make withdrawals between Jan 1, 2022 and Dec 31, 2025, are getting more time to begin repayment - up to five years in total rather than two.

Advocates are praising Ottawa's move to lengthen the amortization period on insured mortgages for certain homebuyers.

08/04/2023

Come join us for the Open House this Saturday from 1:00 to 4:00 pm. I will be there for your mortgage questions. See you there!

05/19/2023

Fixed rate updates: 3 yr 4.79%, 5 yr 4.44%. Bond yields have increased over 35 bps since last week and rates may increase soon.

03/22/2023

Mortgage rates updates

01/01/2023

Wishing everyone a healthy and prosperous 2023!