Lorne Salt - Mortgage Broker Maple Ridge, BC

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Lorne Salt - Mortgage Broker Maple Ridge, BC Need Mortgage Advice? Write on my wall and / or Give me a Call

Remember I work for my clients not m

Lorne Salt, Mortgage Broker
Dominion Lending Centers
Valko Financial

Affordability can change even when there hasn’t been a dramatic move in the market.That’s because home buying affordabil...
10/01/2026

Affordability can change even when there hasn’t been a dramatic move in the market.

That’s because home buying affordability is shaped by several moving parts. Purchase price, mortgage rates, income, existing debt and down payment can all affect how much someone may qualify to borrow and what their monthly housing costs could look like.

A smaller change in just one of those factors, or a few modest changes happening at the same time, can shift the affordability equation without a major headline-making event.

That’s why it helps to watch the math, not just the headlines. Even when the market feels relatively steady, your own buying position may have changed.

Wondering what today’s conditions could mean for you? Message me today to see how your qualifying picture may have shifted.

A mortgage can do more than simply get you into a home. The right features can give you more flexibility long after clos...
09/29/2026

A mortgage can do more than simply get you into a home. The right features can give you more flexibility long after closing day.

I look at things like prepayment privileges, portability, payment frequency and whether you can increase your regular payments, because those details can make a real difference as your finances and plans change.

It’s not just about finding a mortgage that works today. It’s about finding one that gives you room to adjust later.

Want to know which mortgage features could work in your favour? Message me and I’ll help you compare the details.

Fall is a season of change, and your mortgage may be ready for a fresh look too. 🍂🏡Your finances probably don’t look exa...
09/24/2026

Fall is a season of change, and your mortgage may be ready for a fresh look too. 🍂🏡

Your finances probably don’t look exactly the same as they did when you first arranged your mortgage. Maybe your income or expenses have changed, you’ve built more home equity, or your financial goals have shifted. If life has changed, it’s worth asking whether your mortgage still fits.

I can help you review where your mortgage stands today, explore the options available to you, and see whether refinancing, making changes to your mortgage strategy, or staying the course makes sense for you.

A lot can change with the seasons. Let’s make sure your mortgage is keeping up. Message me today for a mortgage review.

First-time homebuyers can make costly mistakes simply because they don’t know which questions to ask or what expenses an...
09/22/2026

First-time homebuyers can make costly mistakes simply because they don’t know which questions to ask or what expenses and mortgage details to consider before making an offer. That’s where I can help.

I can help you build a realistic budget, understand the full costs of purchasing a home, get pre-approved and compare mortgage options from multiple lenders. Having professional guidance from the beginning can help you avoid surprises and keep your purchase on track from the initial search through closing day.

🏡 Planning to buy your first home? Connect with me before beginning your search, and I’ll help you avoid common missteps along the way.

Fall is settling in, and with it comes one of the busiest stretches of the year. Between changing routines, packed sched...
09/17/2026

Fall is settling in, and with it comes one of the busiest stretches of the year. Between changing routines, packed schedules, holidays, and year-end plans, it doesn’t take long for the calendar to fill up.

If a home purchase, mortgage renewal, refinance, or mortgage review is on your radar, getting organized now can mean one less thing competing for your attention later.

I can help you get on top of your mortgage plans early, review your options, and take care of the legwork before the busy season really gets going.

Get ahead of the fall rush. Connect with me today and let’s get your mortgage plans in order.

Thinking about renovating? The value you’ve built in your home may be able to help fund the project. Depending on your a...
09/15/2026

Thinking about renovating? The value you’ve built in your home may be able to help fund the project.

Depending on your available home equity and financial situation, refinancing your mortgage may allow you to access funds for renovations or larger home improvements. But before the plans are finalized, it’s important to understand how refinancing could affect your mortgage, payments, and overall finances.

I can help you review your available equity, run the numbers, and explore whether refinancing for renovations makes sense for your plans.

Planning a renovation? Message me or give me a call before the work begins and let’s take a look at the financing.

Back-to-school season already comes with enough running around. Your mortgage search doesn’t need to be another thing on...
09/10/2026

Back-to-school season already comes with enough running around. Your mortgage search doesn’t need to be another thing on your list. 🎒

Instead of spending your time comparing lenders, mortgage products, terms, and features, I can take care of the legwork for you. I’ll explore mortgage options from multiple lenders and help you find solutions that fit your budget, financial goals, and plans for the future.

You tackle the schedules, lunches, and back-to-school rush. I’ll take the mortgage search off your hands.

Message me today to explore your mortgage options.

A short week doesn’t mean your mortgage renewal planning has to get pushed to next week.If your renewal is coming up, st...
09/08/2026

A short week doesn’t mean your mortgage renewal planning has to get pushed to next week.

If your renewal is coming up, starting the conversation early gives you more time to review your current mortgage, compare renewal options, and understand the terms and features available before you need to make a decision.

I can help you get ahead of your mortgage renewal, understand your options, and prepare for what comes next.

Renewal on the horizon? Connect with me today and get a head start.

The Bank of Canada has held its policy rate at 2.25% for the seventh consecutive decision.For Canadian homeowners and ho...
09/02/2026

The Bank of Canada has held its policy rate at 2.25% for the seventh consecutive decision.

For Canadian homeowners and homebuyers, another hold means the policy rate remains unchanged for now. Whether a mortgage renewal, refinance, or home purchase is ahead, this is a good opportunity to review the numbers and understand the options available.

Message or give me a call to discuss what today’s Bank of Canada decision could mean for your mortgage plans.

Yes, it’s possible to buy a home in Canada with as little as 5% down, depending on the purchase price and your eligibili...
09/01/2026

Yes, it’s possible to buy a home in Canada with as little as 5% down, depending on the purchase price and your eligibility.

For homes priced at $500,000 or less, the minimum down payment is 5%. Above $500,000 (up to $1.5 million), the minimum is 5% on the first $500,000 and 10% on the portion above that. Homes purchased with less than 20% down generally require mortgage default insurance.

A smaller down payment can make homeownership more accessible, but there’s more to consider than the minimum. I can help you understand down payment requirements, qualification and the mortgage options available to you.

Thinking about buying a home? Connect with me today to find out what’s possible and start building a plan.

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102B-6321 King George Boulevard
Surrey, BC
V3X1G1

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