Mortgages by Sabeena Bubber

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Mortgages by Sabeena Bubber

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Mortgage Professional, Canadian Mortgage Hall of Fame, Woman of Influence, Broker of the Year Nominee, Award Winner, Philanthropist, Mom & so much more!

www.sabeenabubber.ca www.divorcecircle.ca www.brokerswhocare.ca www.myreversemortgage.ca I am very proud to say that since 2001 I have helped over 3000 clients borrow over $850 Million in mortgages. I have been named among the Top 50 Brokers in Canada by the CMP Magazine for several years running. In 2020, I was recognized for Canadian Mortgage Professional in the Hall of Fame. As well, I won an award for Outstanding Philanthropy and Community service for my work as founder of www.100brokers.org which has helped families and causes in need for the last few years. In 2015 and 2016 I was named a finalist for Mortgage Broker of the Year, while Xeva Mortgage won Best Newcomer in the Canadian Mortgage Awards in 2015. On numerous occasions, I have been selected by CMP magazine as a Woman of Influence in the Canadian Mortgage industry; as a woman who has made her mark on this industry. In 2019, I received the Inspiration award from my peer group, Women in the Mortgage Industry for my work on 100 Brokers. I feel truly blessed for all the recognition and honours I have received for the work that I have done to help others.

11/02/2026

Think a high salary automatically means getting a big mortgage is easy? Not quite. 👀⁠

This is one of the biggest surprises I see:⁠ Someone has a great income… but they’re not qualifying for nearly as much as they expected.⁠ ⁠

Why?⁠ Because lenders don’t just look at what you make. They look at what you already owe, too.⁠

Think of it this way:⁠

💰 Your income = what’s coming in⁠
💳 Your debt = what’s already spoken for…⁠ Student loans.⁠ Credit cards.⁠ Lines of credit.⁠ Other monthly debt payments.⁠ ⁠

Car loans are the worst for affecting your qualifications

All of these can affect how much mortgage you qualify for.⁠ Lenders use debt service ratios to look at how much of your income is going toward your housing costs and other debts.⁠ ⁠

Which means two people earning the exact same salary could potentially qualify for very different mortgage amounts.⁠ ⁠

That’s why getting pre-approved before you start seriously house hunting can be so helpful.⁠

It’s not just about asking: “How much can I borrow?”⁠ It’s about understanding your entire financial picture and knowing what actually makes sense for you.⁠ ⁠

A high income is a great starting point, but your debt matters too.⁠

Save this if you’re planning to buy a home and want to understand what lenders are looking at!⁠ ⁠

BOOK A MEETING TODAY
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.caThink a high salary automatically means getting a big mortgage is easy? Not quite. 👀⁠

This is one of the biggest surprises I see:⁠ Someone has a great income… but they’re not qualifying for nearly as much as they expected.⁠ ⁠

Why?⁠ Because lenders don’t just look at what you make. They look at what you already owe, too.⁠

Think of it this way:⁠

💰 Your income = what’s coming in⁠
💳 Your debt = what’s already spoken for…⁠ Student loans.⁠ Credit cards.⁠ Lines of credit.⁠ Other monthly debt payments.⁠ ⁠

Car loans are the worst for affecting your qualifications

All of these can affect how much mortgage you qualify for.⁠ Lenders use debt service ratios to look at how much of your income is going toward your housing costs and other debts.⁠ ⁠

Which means two people earning the exact same salary could potentially qualify for very different mortgage amounts.⁠ ⁠

That’s why getting pre-approved before you start seriously house hunting can be so helpful.⁠

It’s not just about asking: “How much can I borrow?”⁠ It’s about understanding your entire financial picture and knowing what actually makes sense for you.⁠ ⁠

A high income is a great starting point, but your debt matters too.⁠

Save this if you’re planning to buy a home and want to understand what lenders are looking at!⁠ ⁠

BOOK A MEETING TODAY
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

10/31/2026

Wishing you a happy Halloween !

Whether you’re dressing up, handing out candy, taking the kids trick-or-treating, or simply enjoying a quiet night at home with something sweet, I hope you get to enjoy a little bit of the fun this Halloween. 🍂🧡

BOOK A MEETING TODAY
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

10/29/2026

The down payment gets all the attention… but closing costs are the little ghosts that can sneak up on you. 👻

When you’re saving to buy a home, it’s easy to think about one big number: “How much do I need for my down payment?”

But your down payment isn’t the only cash you’ll need to have available when you purchase.

Depending on your situation and the property, you may also need to budget for:

➡️ Property Transfer Tax: a provincial tax that may apply when you purchase a property
➡️ Legal or notary fees: to handle the legal side of your purchase
➡️ Home inspection: to get a better understanding of the property’s condition
➡️ Appraisal: if required by your lender
➡️ Title insurance: which can protect against certain title-related risks
➡️ Adjustments & other closing expenses: costs that may need to be settled when the property changes hands

The upside? Not every buyer will pay every one of these costs. There are exemptions, rebates and different requirements depending on your circumstances.

That’s why I always encourage buyers to look at the full cost of purchasing a home, not just the down payment.

The last thing you want is to find your dream home, have your offer accepted, and then be caught off guard by costs you didn’t plan for.

A little planning upfront can make the whole process feel a lot less scary.

Buying a home soon? Let’s make sure you know what you’ll need to budget for before you start house hunting.

No tricks. Just a plan. 🤍

BOOK A MEETING TODAY
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

10/28/2026

This marks the first rate hike of 2026, so let’s talk about what it actually means for you.

I know rate announcements can bring up a lot of questions, especially if you’re planning to buy a home, coming up for renewal, or trying to keep your monthly budget on track. So, let’s break it down...

⬜ Have a variable-rate mortgage? Your lender’s prime rate will typically increase following a hike like this. Depending on your mortgage terms, that could mean higher payments or more of your existing payment going toward interest.

⬜ Have a fixed-rate mortgage? Take a breath! Your current rate generally won’t change during your fixed term. Fixed mortgage rates are influenced by bond yields and market expectations, so they don’t necessarily change in response to the Bank of Canada’s rate decisions.

⬜ Thinking about buying? This doesn’t mean you need to put your plans on hold! It’s a good reminder to revisit your budget, understand your borrowing power, and make sure your monthly payments leave you room to breathe.

Wondering how this change could affect your mortgage or plans to buy? Message me anytime.

I’m always happy to chat, walk you through the numbers, and help you feel confident about your next steps. 💜

BOOK A MEETING TODAY
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

10/26/2026

Thinking about buying a foreclosure because the price looks too good to pass up? There’s more to consider than the price tag.

Foreclosures can look like a great opportunity, but they can come with some very different risks than a typical resale.

In BC, a foreclosure can involve a Supreme Court process and, in certain circumstances, a conduct of sale.

Even after an offer is accepted and subjects are removed, court approval may be required, meaning another buyer could potentially submit an offer.

And that’s not the only thing to watch for:

🏚️ “As is, where is” : you may have limited or no representations and warranties from the seller, so understanding the property’s condition is especially important.

🔑 Occupancy & Condition: there can be questions around whether the property will be vacant and what condition it will be in when you take possession.

💰 Tax Considerations: depending on the circumstances, there may be additional tax or residency issues to understand.

And from the mortgage side, financing needs some extra attention too.

The property’s condition, appraisal, financing structure and timing can all affect the lending process.

So while a foreclosure may look like a bargain, the price is only one piece of the puzzle.

If you’re considering one, bring your team in early, especially a lawyer experienced with foreclosure transactions and a mortgage professional (like me!) who can help you understand the financing side.

Have questions about buying a foreclosure in BC? Message me! 📲

BOOK A MEETING TODAY
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

10/23/2026

More space or more convenience? There’s no wrong answer, but there are a few questions worth asking. 🏡

Lately, I’ve been having more and more conversations with families who are torn between two completely different lifestyles.

Do you stay closer to Vancouver or North Vancouver, where you may have a shorter commute, easy access to the mountains and the convenience of being closer to the city?

Or do you move further east to a community like Langley, where your budget may give you more space, a detached home and the backyard you’ve been dreaming about?

Both can be great choices. The question is: which one fits your life best?

If you’re stuck in the middle, I’d start by asking:

➡️ How much space does your family actually need?

➡️ How much commuting are you comfortable with?

➡️ How important is having that extra time at home?

➡️ What does each option look like financially — not just your mortgage, but gas, vehicle costs, property taxes and maintenance?

➡️ What do you want your weekends to look like?

➡️ Which community feels like somewhere you’d genuinely enjoy living?

Because buying a home isn’t just about finding the biggest home your budget allows, or the smallest commute you can manage.

It’s about looking at the whole picture and understanding the trade-offs before you make a decision.

Send this to someone having the “more space or more convenience?” debate!

And if you want to talk through the numbers behind both options, I’m always happy to help.

BOOK A MEETING TODAY
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

10/22/2026

Hard work comes with some pretty incredible rewards! ✨️🇮🇸

This year, I had the opportunity to join XEVA’s Xperience trip to Iceland alongside a group of brokers recognized for their achievements over the past year.

It was such a great opportunity to celebrate the work that goes into building a business and connect with others who are just as passionate about this industry.

Glacier adventures, the Blue Lagoon, incredible scenery and plenty of time spent getting to know the people behind the businesses made this trip one to remember for a lifetime.

Thank you to XEVA for recognizing its brokers in such a memorable way, and to every client who continues to put their trust in me!

I’m so grateful to be able to do what I love and experience opportunities like this along the way! 💜

BOOK A MEETING TODAY
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

10/21/2026

A little North Shore favourite for your fall dinner list. 🍝🤍

If you’re looking for somewhere cozy to meet a friend, enjoy a date night or simply have a really good Italian dinner, Provisions Italiana in North Vancouver is one to add to the list.

I love finding those spots that feel a little special without needing a whole occasion, somewhere you can sit down, order a few things for the table and actually take your time.

Handmade pasta, Roman-style pizza, seasonal ingredients and plenty of delicious things to share.

And honestly, there’s something about a cozy Italian dinner when the weather starts to cool down that just feels right.

North Shore friends, have you been? And if you have, what should I order? 👇🏽

BOOK A MEETING TODAY
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

10/20/2026

What an incredible night! 💜✨⁠
⁠
Last night was one of the most unforgettable moments of my life as I was inducted into the Mortgage Professionals Canada Hall of Fame.⁠
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Standing on that stage, reflecting on a career that began over 30 years ago, I was overwhelmed with gratitude, pride, and most of all, LOVE.⁠
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I have never felt so celebrated, supported, and surrounded by so many people who genuinely want to see me succeed. My heart is so full. 🤍⁠
⁠
This recognition may have my name on it, but it represents so much more. It’s a reflection of the people who believed in me, lifted me up, challenged me, inspired me, and walked beside me through every chapter of my journey.⁠
⁠
I also share a piece of this honour with every hardworking mother who has built a career while raising a family, being a provider, and carrying the often invisible mental, physical, and emotional load of holding it all together. To the women who have juggled demanding careers, family responsibilities, and their own dreams, often putting themselves last. I see you. I celebrate you. And I hope this recognition is a reminder that your ambition, your sacrifices, and your accomplishments matter. You deserve to be celebrated too. 🤍⁠
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Success is never achieved alone, and last night was such a beautiful reminder that the greatest measure of success isn’t just what we accomplish, but the people we share it with and the lives we touch along the way.⁠
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To my family, my friends, my colleagues, and everyone who has been part of this incredible journey. THANK YOU. You have no idea how much you mean to me.⁠
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I will carry the love I felt last night with me forever.⁠
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My heart is full, my dreams are still big, and the best is yet to come! 🥂💜⁠
⁠

10/17/2026

Thank you Glasslake Funding™ for honouring my induction into the Hall of Fame with the gorgeous cowboy hat and branding. What a great night!

Address

224 West Esplanade #500
North Vancouver, BC
V7M1A4

Telephone

+16048628526

Website

http://www.sabeenabubber.ca/

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