Mortgages by Sabeena Bubber

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Mortgages by Sabeena Bubber

Mortgage Professional, Hall of Fame, Top 75 Broker in Canada, 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 a

ward 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.

06/12/2026

Honestly? I hear you. The economy feels heavy, and for many of us, the goal right now is simply staying on track. But if you do find yourself with a little extra breathing room, you don’t need a massive windfall to make a major impact on your long-term debt.

Here are two "painless" ways to make your mortgage work harder for you:

✨ The "Subscription" Shift: Think about that one unused streaming service or app you finally cancelled. Redirecting even $20 or $50 a month directly toward your principal might not change your daily life, but it significantly reduces the interest you pay over five years. Small, intentional increments create huge long-term ease.

✨ The Accelerated Shift: If you’re already comfortable with your current budget, switching to Accelerated Bi-Weekly payments is one of the most effective ways to shave years off your mortgage without feeling a daily pinch. 📉

Most importantly? Give yourself grace. 🤍

If now isn’t the time for extra payments, that is perfectly okay. My door is always open for a "no-pressure" check-in to see how we can make your current mortgage feel a bit lighter.

Want to chat about your options for the second half of the year? Send me a DM and let’s look at your plan together! 📱

GET IN TOUCH
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

06/10/2026

Holding steady for the 5th consecutive time: The BoC stays at 2.25% 🏠️

The Bank of Canada just announced they are keeping the policy rate unchanged. This consecutive hold reflects a measured approach as the Bank balances a cooling domestic economy against external global pressures.

Here is the quick insight on today's announcement:

✨ Strategic Caution: The BoC is closely monitoring inflation and employment data before making any moves.

✨ The Variable Reality: Your payments will stay where they are for now, bringing continued predictability to your monthly budget.

✨ Market Outlook: Forecasters are split on what is next. Some expect this freeze to last through 2026, while others anticipate shifts later this year.

In a steady market like this, having a clear plan is the best way to optimize your borrowing power. If you want to review your specific numbers or strategy, send me a DM and let’s chat! ☕

GET IN TOUCH
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

06/08/2026

They say it takes a village, and I am so lucky to have the best one. 🏠✨⁠ ⁠

I am incredibly proud of this review because it highlights exactly what, Fiona, myself and my underwriters strive for every day: being responsive, friendly, and most importantly, agile.⁠

In this Vancouver market, situations change fast. You need a team that can pivot with you and respond to your questions the same day, not next week. ⁠ ⁠
Whether your mortgage needs are straightforward or your situation is shifting, you deserve a team that stays steady and supportive, with absolutely zero pressure.

Seeing that commitment recognized is truly the best fuel for the work we do!⁠ ⁠

To our amazing clients who trust us with their biggest financial decisions, thank you for letting us be part of your journey! 🤍⁠

GET IN TOUCH
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

06/05/2026

Summer in BC is all about saying “yes.” ☀️

Yes to the family road trip, yes to the grandkids’ graduation gifts, and yes to finally enjoying the home you’ve spent decades building.⁠

But I often meet homeowners 55+ who feel "house rich but cash lean."⁠

You have incredible equity in your home, but it’s essentially locked behind your front door while the cost of living keeps rising.⁠

What if your home could fund your lifestyle instead of just being a line item on your net worth? 🏡✨⁠ ⁠

A Reverse Mortgage is one of my favourite tools for creating immediate breathing room. It allows you to access your home’s value, tax-free with no monthly mortgage payments required.⁠

It’s about making your equity work for you, so you can focus on making memories, not managing a budget.⁠ ⁠I have even helped numerous people retire and payoff their existing mortgage when they thought they would have to work until they were 80!

Ready to see how your home can support your summer plans? My door is always open for a no-pressure chat. 💜⁠

GET IN TOUCH
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

06/03/2026

I hear this more often than you’d think…

“During my divorce, my biggest fear was losing our family home.”

And it’s never just about the house.

It’s about stability. Familiar routines. Keeping life feeling as normal as possible for your kids during a time when everything else feels uncertain.

These conversations are some of the most emotional ones I have with clients, and they matter deeply to me.

Because in those moments, it’s not just about numbers or approvals… it’s about helping someone feel supported, informed, and hopeful again.

One of my clients shared this with me:

“During my divorce, my biggest fear was losing our family home and having my son leave his friends and neighbourhood. Sabeena was instrumental in helping me secure the mortgage and complete the buyout, but more than that, she helped me believe it was possible during one of the lowest points of my life.”

This is why I do what I do. 🤍

If you’re going through a big life transition and feeling unsure about what’s possible, you don’t have to navigate it alone.

GET IN TOUCH
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

06/01/2026

Pride Month is a beautiful reminder that everyone deserves a place to call their own. 🏳️‍🌈🏡

I pride myself on being an advocate for all families, whether traditional, blended, or chosen. My focus is always on the strategy that gets you into a home where you can thrive, backed by a plan that respects who you are and where you are going.

Everyone’s "next chapter" deserves a solid foundation. If you’re ready to start yours, my door is always open. 🕊️✨

Happy Pride, Vancouver!

GET IN TOUCH
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

05/29/2026

"Securing a mortgage and separating from a spouse are daunting each on their own. Navigating those processes concurrently is likely unmanageable for most people without someone like Sabeena."✨

These words from a recent client, SA, truly hit home for me.

When you are navigating a split, "home" becomes a very complex word. It’s not just a financial transaction, it’s an emotional, social, and practical transition for your entire family. Doing that while trying to manage the technical side of a mortgage? It’s a lot for anyone to carry.

My approach for my clients in transition:

✨ Beyond the Paperwork: I believe in a holistic view. We don't just look at the debt-to-service ratios; we look at the school catchments, the emotional weight of the move, and the practical reality of relocating a split family.

✨ Expertise Meets Empathy: You need someone who is well-versed in the specific "rules" of separation and mortgages, like the Spousal Buyout Program, but who also understands that you’re navigating a major life shift.

✨ Turning Overwhelming into Revitalizing: My goal is to take the "unmanageable" parts off your plate. I want to provide the professional acuity and the steady hand you need to move from a place of uncertainty to a place of fresh starts.I am so incredibly grateful to be a part of these journeys.

If you are facing a complex change and need a knowledgeable, kind place to land, please know that I am here to help you find your way forward. 🤍

My door is always open for a confidential conversation.

GET IN TOUCH
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

05/25/2026

To everyone with a mortgage renewal coming up this year:

I see you. I know it can feel stressful. 💜

With roughly more than 50% of mortgages in Canada up for renewal between now and the end of 2026, the "sticker shock" of new rates is a very real conversation I’m having every day.

It is completely okay to feel frustrated that the numbers look different than they did five years ago.

Many of my clients are coming off those ultra-low pandemic rates, and seeing that jump can feel like a lot to carry.

The Good News: You have so many more options than just signing the first renewal letter your bank sends in the mail! Because I work for you and not a single bank, we can look at:

✨ Restructuring: We can adjust your amortization or terms to find a sweet spot that protects your monthly cash flow.

✨ Shopping Around: I can compare dozens of lenders to find a rate and product that actually fits your life today.

✨ Strategic Planning: how do you know if short term or long-term is the right solution for you? I can help you navigate your decision

My advice: Don't wait for that letter to arrive 21 days before your deadline.

We can actually start looking at your options 4 to 6 months in advance!

This gives us the time to breathe, run the numbers, and make a plan that feels right for your family. 💜

If your renewal is on the horizon, let’s start the conversation now. Send me a DM and we can go over it together.

GET IN TOUCH
Sabeena Bubber | Mortgage Broker + Financial Strategist
M: 604-862-8526
E: [email protected]
W: www.sabeenabubber.ca

Address

224 West Esplanade #500
North Vancouver, BC
V7M1A4

Telephone

+16048628526

Website

http://www.sabeenabubber.ca/

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