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Trish Pritchard - Mortgage Broker

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Trish Pritchard - Mortgage Broker

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Trish Pritchard is a trained, independent mortgage expert. She provides a friendly, educational appr

10/29/2026

🛋️ Home. The place that's completely yours — where you make the rules, you make the changes, and you build the life you want.

Whatever chapter you're in — buying for the first time, starting over after a separation, refinancing for more flexibility — I'm here to help you get there.

Contact us at trishpritchard.com or send us a DM.
https://www.trishpritchard.com/

10/28/2026

💼 Separation and divorce are among the most difficult things a person goes through. And on top of everything else, there's the mortgage to figure out.

This is something I help clients navigate with care, discretion, and practical advice. Here's what you need to know:

🏠 OPTION 1: ONE PARTNER KEEPS THE HOME
The staying partner must qualify for the mortgage on their own income. This usually means a refinance to remove the other partner from title and mortgage — and if there's a buyout, to access the equity needed for it.

🏠 OPTION 2: SELL THE PROPERTY
If neither partner can qualify alone, or selling makes more sense, the mortgage is discharged on sale. Break penalties may apply depending on your term.

🏠 OPTION 3: HOLD JOINTLY TEMPORARILY
In some cases, both parties stay on title while finances and legal arrangements are sorted. This buys time but requires cooperation.

⚠️ CRITICAL: Removing someone's name from the title does NOT remove them from the mortgage. Both the legal side and the mortgage side need to be addressed separately and in coordination.

💡 IMPORTANT TIMING NOTE:
Your separation agreement directly affects how lenders assess your income and obligations. Getting mortgage advice before the agreement is finalized can prevent complications and save real money.

Every file I handle in this situation is treated with complete discretion.

Contact us at trishpritchard.com or send us a DM — I'm here to help you navigate this.
https://www.trishpritchard.com/

10/28/2026

🏡 The Bank of Canada raised its overnight rate by 0.25% today to 2.5%, and if you’re planning to buy a home, you need to know what this means for you. Higher rates affect your purchasing power — the amount you qualify for goes down as rates go up. It also affects your monthly carrying costs once you’re in a home.

🔒 The good news is that getting pre-approved now locks in a rate and gives you a clear picture of your budget before rates potentially move again at the next announcement on December 9, 2026. Don’t let rising rates catch you off guard.

Get pre-approved, know your numbers, and go into your home search with confidence. 💬 Reach out today and let’s get started.
https://www.trishpritchard.com/bank-of-canada-raises-rate-to-2-5-october-28-2026

10/22/2026

🍂 One of the things I love about Surrey is how many distinct communities it contains — from the mountain views of Clayton Heights to the ocean access of White Rock to the energy of City Centre.

Whatever your lifestyle, there's likely a neighbourhood here that fits. And I love helping clients find not just the right mortgage, but the right home for their life.

Contact us at trishpritchard.com or send us a DM.
https://www.trishpritchard.com/

10/21/2026

📋 The mortgage stress test. You've probably heard the term. Here's what it actually means — in plain language.

WHAT IT IS:
To qualify for a mortgage in Canada, you must prove you can afford your payments at a higher rate than what you'll actually pay. This is the stress test — and it's a permanent feature of Canadian mortgage qualification.

THE QUALIFYING RATE:
You must qualify at whichever is higher:
Your actual contract rate plus 2%, OR the Bank of Canada's minimum qualifying rate (currently 5.25%)

REAL EXAMPLE:
If your actual mortgage rate is 5.0%, you must qualify at 7.0%.
Your debt ratios are calculated using 7.0% — not 5.0%.

WHY IT MATTERS FOR YOUR BUDGET:
It reduces how much you can borrow. A buyer who qualifies for $700,000 at their actual rate might only qualify for approximately $580,000 under the stress test. This directly affects your home search budget in Surrey.

HOW TO PREPARE:
✔️ Pay down existing debts before applying — better ratios = more borrowing power
✔️ Increase your down payment if possible — reduces the required mortgage
✔️ Get pre-approved early — know your real number before you fall in love with a listing

The stress test isn't going away. Building your strategy around it — rather than being surprised by it — is the smart play.

Contact us at trishpritchard.com or send us a DM — let's find out exactly what you qualify for.
https://www.trishpritchard.com/

10/15/2026

✍️ This is the moment all the paperwork becomes real.

Behind every smooth closing is weeks of careful preparation. Pre-approval, documentation, lender negotiations, appraisal, legal review. My job is to make sure all of that is handled — so when you sit down to sign, everything is exactly as it should be.

No surprises. No scrambling. Just confidence.

Contact us at trishpritchard.com or send us a DM to start the process.
https://www.trishpritchard.com/

10/14/2026

📉 A difficult credit history doesn't mean homeownership is off the table. It means you need a broker who knows how to navigate the landscape — honestly.

Here's the real picture:

🟢 CONVENTIONAL LENDERS (A LENDERS)
Typically require a credit score above 660 to 680. Best rates. Standard qualification. If your score and situation meet the threshold, this is where we start.

🟡 ALTERNATIVE LENDERS (B LENDERS)
More flexible on credit history, income documentation, and debt ratios. Rates are higher — typically 1 to 3% above prime — but these are regulated, legitimate lenders. A viable path for many clients.

🔴 PRIVATE LENDERS
The most flexible option. Focused primarily on equity in the property rather than your credit score. Higher rates, shorter terms, lender fees apply. Best used as a short-term bridge while you rebuild.

💡 THE STRATEGY THAT ACTUALLY WORKS:
Private lending for 12 months while you rebuild your credit profile. B lender at first renewal. Conventional at the next renewal. This is a real, achievable path — and I've helped many clients walk it.

What I never do: recommend the most expensive option when a better one is available.

Contact us at trishpritchard.com or send us a DM — let's review your actual situation without judgment.
https://www.trishpritchard.com/

10/12/2026

Happy Thanksgiving! What a great weekend! Including a long walk and breakfast at the pub. Some baking, visiting the Rondriso family pumpkin patch and picking up a fun assortment of pumpkins for the porch. And then a delicious friends-giving dinner!

10/09/2026

Happy 21st Birthday Josh!! Watching you grow into an amazing man has been the greatest joy of our lives! We are so proud of you! Continue to chase your dreams and live life to its fullest.

10/08/2026

🏢 Surrey City Centre. One of the most active condo markets in Metro Vancouver, and one with more attainable price points than many buyers realize.

Condo benchmarks in Surrey sit around $483,800 in 2026, with City Centre units available in the $430K to $650K range depending on size and age.

Contact us at trishpritchard.com or send us a DM — happy to walk you through what your budget looks like here.
https://www.trishpritchard.com/

Address

Surrey, BC

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Friday	9am - 6pm

Website

http://www.trishpritchard.com/

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