Jhay - Pinoy Mortgage Broker

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Canada
Surrey, BC
Jhay - Pinoy Mortgage Broker

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Mortgage & Business Financing Broker
https://r.mtg-app.com/fundedbyjhay
[email protected]
778-997-1576

10/13/2026

new MSA kicks in today!

10/12/2026

Wishing you and your family a wonderful Thanksgiving filled with love, happiness, and gratitude! ❤️

09/27/2026

Tucked away on the QUIET SIDE of the complex, this SPACIOUS 2-bedroom, 2-bathroom CORNER UNIT offers added PRIVACY and a peaceful setting away from the noise.

The home features UPDATED KITCHEN APPLIANCES, a FUNCTIONAL LAYOUT, and generous living space throughout. Enjoy RESORT-STYLE AMENITIES including an OUTDOOR POOL, hot tub, sauna, exercise room, clubhouse, and guest suite.

Just minutes from GREEN TIMBERS URBAN FOREST and GUILDFORD TOWN CENTRE, with shopping, dining, schools, transit, and major commuter routes all close by. A RARE combination of SPACE, PRIVACY, AMENITIES, and LOCATION!

Listing price: $525,000
Min. Down payment: $27,500

Send us a message to secure your financing!

Jhay Maralit
Mortgage broker
778-997-1576
[email protected]

Kevin Trieu
Real Estate agent
778-317-4991
[email protected]

09/07/2026

Today we celebrate the dedication, commitment, and hard work of professionals who continue to build stronger communities and create opportunities every day.

We appreciate the effort, passion, and perseverance that drive success across every industry. Wishing everyone a safe and meaningful Labour Day.

08/28/2026

Build stronger returns with an investment strategy backed by real estate. 🏢

SkyReach Capital Corp. focuses on carefully selected mortgage opportunities designed to generate stable monthly income while prioritizing capital protection.

Put your capital to work with real assets and a disciplined investment approach.

08/22/2026

Fixed rates are on the move! 📈

Rising government debt, inflation concerns and ongoing political tensions are pushing long-term bond yields higher— and Canadian fixed mortgage rates are following.

Fixed rates have recently increased, while variable rates remain more stable for now. For borrowers, the choice between fixed and variable ultimately comes down to risk tolerance, financial flexibility and how much payment certainly you want.

The big takeaway: ☑️ if you’re considering a mortgage, it may be worth reviewing your options sooner rather than assuming rates will return to the lows we saw in previous years.

💭 Thinking about buying, renewing or refinancing soon? Let’s discuss what strategy makes the most sense for you.

07/17/2026

The Bank of Canada held its policy rate steady for the sixth consecutive time today, with most lenders’ prime rates remaining around 4.45%.

But the more interesting part of today’s announcement was not the decision. It was the Bank’s tone that signalled its future direction.
The Bank said that the “economy is showing signs of improvement.” It sees enough economic improvement to avoid cutting rates, but enough uncertainty to avoid a rate increase. Future decisions will depend on whether higher energy costs spread into other prices and whether Canada’s economic recovery continues.

Here is what that could mean for your mortgage plans.

If you are shopping for a fixed rate:

If you are actively shopping for a home or approaching renewal, it is worth securing the best rate available while keeping the flexibility to pursue a lower rate if one becomes available before closing.

If your mortgage is renewing

Please do not assume your lender’s first offer is your only option.

Today’s rate environment makes the choice between fixed and variable, as well as the length of your next term, especially important. The lowest advertised rate is not automatically the best choice once penalties, flexibility, and your future plans are considered.

If your monthly payments feel tight

Canada’s economy may be improving, but many households are still dealing with the effects of several years of higher living and borrowing costs.

If credit cards, loans, or lines of credit are becoming difficult to manage, it is worth reviewing your options before the pressure builds. There may be opportunities to reduce interest costs, consolidate payments, or create more room in your monthly budget.

The Bank may be standing still, but your mortgage strategy does not have to. Let’s review your numbers and make sure your mortgage still fits where you are headed.

📅 The next Bank of Canada announcement is September 2, 2026.

07/15/2026

🔈 Bank of Canada holds interest rate at 2.25%. 🔈

What does it mean for you?

🏠 you’re buying your first home, now is a great time to review your mortgage options.

✍🏽 If your mortgage is coming up for renewal, don’t automatically sign your lender’s first offer—you may qualify for a better rate or product.

💰 If you’re considering refinancing, this is an excellent opportunity to explore ways to consolidate debt, access home equity, or lower your monthly payments.

Every financial situation is different. The right mortgage strategy can save you thousands over the life of your mortgage.

If you have questions about purchasing, refinancing, or renewing your mortgage, I’m here to help.

📞 778-997-1576
📧 [email protected]
🔗 www.skyreachcapital.ca

06/11/2026

A home should evolve with your life stages. Thinking long term can help you make more confident housing decisions today.

Whether you’re upgrading, downsizing, or simply exploring options, informed conversations create better outcomes.

Start the conversation when you’re ready.

06/10/2026

The Bank Of Canada holds its policy rate at 2.25%.

Address

Surrey, BC

Telephone

+17789971576

Website

https://julius-maralit.mtg-app.com/signup?refId=807a362b-54fa-4a84-a4e2-2c598504e5ad

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