Barbara/Basia Essaunce Mortgage Professional

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Barbara/Basia Essaunce Mortgage Professional Your Trusted Mortgage Professional
-Serving Beautiful British Columbia
-Partnered with Xeva Mortgage
-Polski/English
-SouthRock Local

The Mortgage Services Act (MSA) is here! Effective October 13, 2026, this new legislation modernizes how mortgage profes...
10/15/2026

The Mortgage Services Act (MSA) is here! Effective October 13, 2026, this new legislation modernizes how mortgage professionals are regulated in BC.

💙 So, what does this mean for you?

✔️ Stronger accountability for mortgage professionals
✔️ Clearer standards for transparency and ethical conduct
✔️ A greater focus on protecting your best interests
✔️ Stronger oversight to help prevent misconduct and fraud

As your mortgage broker, I believe you deserve to feel informed, supported and confident every step of your mortgage journey.

Better standards. Greater accountability. More confidence for consumers. And that’s something worth celebrating! 🏡✨

Questions about the MSA? Let’s chat!

Barbara Essaunce - Your Trusted Mortgage Professional
P.778.889.9734
[email protected]
W.BarbaraEssaunce.ca

🧡 Happy Thanksgiving from me! 🍂This Thanksgiving, I’m feeling especially grateful for the people who make what I do so r...
10/12/2026

🧡 Happy Thanksgiving from me! 🍂

This Thanksgiving, I’m feeling especially grateful for the people who make what I do so rewarding.

I’m grateful for every client who trusted me this year, every conversation, every referral, and every person who reached out whether we worked together or I simply had the opportunity to help.

I’m especially thankful for the power of referrals. When you trust me enough to send a friend, family member, or colleague my way, it means more than you know.

So, to each and every person who connected with me this year:

Thank you. I’m truly grateful for you. 🤍

Wishing you and your loved ones a Thanksgiving filled with good food, great company, and lots to be thankful for.

- Basia

🏢 Buying into a strata? Don’t just look at the unit, look at the building.When you buy a stratified home, you’re not onl...
10/08/2026

🏢 Buying into a strata? Don’t just look at the unit, look at the building.

When you buy a stratified home, you’re not only buying into your individual unit. You’re also buying into the building and the strata community, which can play a huge part in your homeownership journey.

Lenders will typically want to review documents such as:

📄 Form B / strata information

📊 Current strata budget and financial statements

🏦 Contingency reserve fund information

🔨 Depreciation report

⚠️ Details of any special assessments or major upcoming projects

📋 Strata meeting minutes

These documents can help lenders understand the financial health and overall risk of the property before approving financing.

My job is to help you understand what matters, what lenders may ask for, and what could impact your mortgage before you’re too far into the process.

Because when you’re buying a strata home, you’re buying more than four walls. You’re buying into the building, too. 🏠

Barbara Essaunce - Your Trusted Mortgage Professional
P.778.889.9734
[email protected]
W.BarbaraEssaunce.ca

🍂 Fall has a way of making us think about home.The crisp mornings. The changing leaves. The feeling of coming home after...
10/05/2026

🍂 Fall has a way of making us think about home.

The crisp mornings. The changing leaves. The feeling of coming home after a long day and settling into a space that feels truly yours.

And that’s one of the reasons I love what I do as a local mortgage broker.

Behind every mortgage is a story.

Maybe you’re buying your first home and have no idea where to start.
Maybe you’re ready to move because your family has grown.
Maybe you’re an investor looking for your next opportunity.
Maybe you’re self-employed and need someone who understands that your income doesn’t always fit neatly into a traditional lending box.
Or maybe you’re simply wondering, “Could refinancing make sense for me?”

That’s where I come in.

My role isn’t just about finding a mortgage. It’s about listening to where you are now, understanding where you want to go, and helping you navigate the options along the way.

I work with buyers, homeowners, investors, self-employed clients, and families throughout BC helping make the mortgage process feel a little less overwhelming and a lot more personal.

My “why” is simple: I believe people deserve to feel informed and confident when making one of the biggest financial decisions of their lives.

So as the leaves change and we settle into another season, if a new home, refinance, renewal, or investment property is part of your story, let’s talk. 🍁

Your next chapter might start with a conversation.

Barbara Essaunce - Your Trusted Mortgage Professional
P.778.889.9734
[email protected]
W.BarbaraEssaunce.ca

I was recently asked point-blank, “Which direction are you steering your clients these days when it comes to mortgage pr...
10/01/2026

I was recently asked point-blank, “Which direction are you steering your clients these days when it comes to mortgage products?” And honestly, my answer seemed to change the client’s perception of how I work.

The truth is, I don’t steer my clients in any particular direction. That’s simply not how I work.

Instead, we talk about the bigger picture: the mortgage term and how it fits with their life goals, fixed versus variable options, their overall financial position including assets, liabilities and income and, importantly, their comfort level if rates were to rise.

At the end of the day, the decision is always my client’s. My job is to understand their needs and help align them with the lender, product and term that best suit their individual situation.

No steering. No one-size-fits-all approach. Just good conversations, thoughtful advice and a mortgage strategy built around you.

Because a mortgage is not a one-size-fits-all toque! 🏡

Barbara Essaunce - Your Trusted Mortgage Professional
P.778.889.9734
[email protected]
W.BarbaraEssaunce.ca

🏡 The surprising thing I did when I became a homeowner for the first time? I got my affairs in order.After years in bank...
09/28/2026

🏡 The surprising thing I did when I became a homeowner for the first time?

I got my affairs in order.

After years in banking as a bank manager, I witnessed grieving families dealing with estates, and families trying to manage the finances of a loved one in hospital without a legal Power of Attorney (POA) in place.

Those experiences stayed with me.

So when I became a homeowner, I made sure my will and POA were in place.

If you have assets over $25K in BC or homeownership bills that need to be managed, it’s worth thinking about what happens if the unexpected occurs.

My advice? Plan for the worst. Expect the best.❤️

📌Legal Disclaimer

I’m not a lawyer, and this is not legal advice. Please consult a qualified legal professional to get your affairs in order.

Barbara Essaunce - Your Trusted Mortgage Professional
P.778.889.9734
[email protected]
W.BarbaraEssaunce.ca

💛 Kind words from a recent client Messages like this mean so much. 🏡✨ Every mortgage journey is different, and behind ev...
09/24/2026

💛 Kind words from a recent client

Messages like this mean so much. 🏡✨

Every mortgage journey is different, and behind every closing is a lot of work, communication, and care. I’m truly grateful for the trust my clients place in me and honored to be part of such an important milestone. ❤️

Barbara Essaunce - Your Trusted Mortgage Professional
P.778.889.9734
[email protected]

Variable or Fixed Mortgage? Choosing the right mortgage comes down to your financial comfort zone. Consider these 5 fact...
09/21/2026

Variable or Fixed Mortgage?

Choosing the right mortgage comes down to your financial comfort zone.

Consider these 5 factors:

💼 Income: Stable and growing, or uncertain?
💳 Debt:Can your budget handle higher payments?
🏡 Equity:Do you have enough home equity to refinance if needed?
💰 Assets: Do you have a strong emergency fund?
📈 Risk tolerance:Could you comfortably handle a 2–3% rate increase?

Variable = more flexibility, more rate risk.
Fixed = more payment certainty, less rate risk.

The right choice depends on your income, financial cushion, and comfort with uncertainty.

📩 Not sure which fits your situation? Let’s talk.

Barbara Essaunce - Your Trusted Mortgage Professional
P.778.889.9734
[email protected]

09/17/2026

Holding my baby and walking along this beautiful BC beach is one of those moments that reminds me how grateful I am for the life I get to live and the work I get to do. 🤍🌊

As a mortgage professional, I love helping families navigate homeownership through all of life’s stages.

First homes. Growing families. Upsizing. Refinancing. New chapters. And sometimes, helping clients navigate a reverse mortgage. Yes, I’ve seen it all.

No two days are the same, and that’s one of my favourite parts of this business.

At the end of the day, it’s never just about the mortgage. It’s about helping people feel confident in some of life’s biggest decisions.

I’m so appreciative that I get to help families here in beautiful BC whether they’re raising babies, preparing for retirement, or somewhere in between.

Home looks different for everyone. I’m just grateful to be part of the journey. 🏡🤍

Your Trusted Mortgage Professional - Barbara Essaunce
P.778.889.9734
[email protected]
W.BarbaraEssaunce.ca

Postpartum, My WayA little postpartum story from me. 🤍I decided not to take time off after having my daughter and honest...
09/14/2026

Postpartum, My Way

A little postpartum story from me. 🤍

I decided not to take time off after having my daughter and honestly, it ended up being one of the best decisions for me.

Every birth story and postpartum experience is different, and I think it’s so important to remember that there is no “right” way to do it.

I’ve always been wired for variety. I love my daughter more than words can explain, and I absolutely cherish our time together. But I also love having conversations, solving problems, helping people and feeling like I’m contributing beyond my role as a mom.

My life didn’t suddenly have to become only diapers, bottles and naps. (Although some days it does!) 😂 It could also include helping families navigate mortgages, buy homes and plan for their next chapter.

And for me, that balance has been incredibly fulfilling.

Motherhood didn’t make my world smaller, it added another beautiful layer to it. 🤍

So, mamas, your postpartum journey gets to look however **you** want it to look. Stay home. Go back to work. Do a little of both. Change your mind along the way. Whatever feels right for YOU is right.

And wherever your next chapter takes you whether it’s motherhood, a new home, a mortgage decision, or simply figuring life out one day at a time.. I’m here to help make it a little easier.

Barbara Essaunce - Your Trusted Mortgage Professional
P.778.889.9734
[email protected]
W.BarbaraEssaunce.ca

Address

South Surrey, BC

Telephone

+17788899734

Website

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