Jas Buttar Mortgages

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🏡 Looking for Flexible Private Mortgage Financing?Need mortgage financing but facing challenges with traditional banks? ...
10/18/2026

🏡 Looking for Flexible Private Mortgage Financing?

Need mortgage financing but facing challenges with traditional banks? Private lending may be an option worth exploring.

✅ 1st mortgage rates starting from 5.95%
✅ Open terms available
✅ Same-day commitments
✅ Simplified application process

Whether you’re self-employed, need quick financing, or have a unique situation, let’s explore your options!

📞 Call/Text: 778-689-8161
📧 Email: [email protected]
📲 Instagram:

Jas Buttar | Mortgage Broker
Licensed in BC & Alberta.

10/17/2026

Credit Score is one of the most important factors in mortgage approval. There are few things you should take care that lower your credit score.

1- Late Payments
2- High Credit Utilization ( over 70% is considered high usage)
3- Applying for 2-3 credits in just short period of time.

Tip to build your credit: Keep you credit utilization below 70% , below 50 is better but below 30% is the best as it can boost your credit scores considerably in short period of time.

If you have any question regarding credit score please feel free to call or text at 778-689-8161

I wish everyone a delighted Thanks Giving. I’m really greatful for your love and support.
10/11/2026

I wish everyone a delighted Thanks Giving. I’m really greatful for your love and support.

🧡 National Day for Truth and ReconciliationToday, we take time to honour the children who never returned home, the Survi...
09/30/2026

🧡 National Day for Truth and Reconciliation

Today, we take time to honour the children who never returned home, the Survivors of residential schools, their families, and Indigenous communities.

Truth comes from listening, learning and acknowledging the history that has shaped generations. Reconciliation is an ongoing journey that requires understanding, respect and meaningful action.

Let today be a reminder to listen, learn and move forward together with respect.

🧡 Every Child Matters.

Thinking about buying a home but not sure where to start? 🏡Your mortgage options can depend on your income, credit, down...
09/11/2026

Thinking about buying a home but not sure where to start? 🏡

Your mortgage options can depend on your income, credit, down payment, employment situation and future plans.

Whether you’re a first-time homebuyer, self-employed, newcomer, investor, or looking to refinance, I’m happy to have a conversation and help you understand your options — with no pressure.

📍 Licensed in BC & Alberta
📞 778-689-8161
📧 [email protected]
📲 Jas Buttar

Have a mortgage question? Send me a DM — even if you’re just starting to explore your options.

🇨🇦 Happy Labour Day, Canada! 🇨🇦Today, we celebrate the hard work, dedication, and contributions of workers across Canada...
09/07/2026

🇨🇦 Happy Labour Day, Canada! 🇨🇦

Today, we celebrate the hard work, dedication, and contributions of workers across Canada. From healthcare workers and teachers to construction workers, tradespeople, business owners, farmers, service workers, and everyone working behind the scenes — thank you for everything you do. 👏

Labour Day is a reminder that hard work builds more than careers — it builds families, communities, and the future we all share. 🏡❤️

Take some time today to relax, spend time with family, and enjoy the long weekend. You’ve earned it!

Happy Labour Day from Jas Buttar Mortgages! 🇨🇦

📞 778-689-8161
📧 [email protected]
📲 Instagram: Jas Buttar
🏠 Licensed Mortgage Broker – BC & Alberta
⭐ 2+ Years of Mortgage Experience

If you’re planning to buy a home, refinance, renew, or simply want to understand your mortgage options, I’m always happy to have a conversation — no pressure, just honest guidance.

🏦 BANK OF CANADA RATE ANNOUNCEMENT — SEPTEMBER 2, 2026📢 The Bank of Canada has held its overnight policy rate at 2.25%.N...
09/02/2026

🏦 BANK OF CANADA RATE ANNOUNCEMENT — SEPTEMBER 2, 2026

📢 The Bank of Canada has held its overnight policy rate at 2.25%.

No change today — but what does this actually mean for Canadians and mortgage holders?

🔹 Variable-rate mortgages:
Today’s decision means there is no immediate change to the Bank of Canada’s policy rate, so variable mortgage rates generally remain where they are.

🔹 Fixed mortgage rates:
Fixed rates are influenced more by Canadian bond yields and lender pricing than directly by the Bank of Canada’s overnight rate. So a rate hold does not necessarily mean fixed mortgage rates will stay unchanged.

🔹 For homebuyers:
If you’re planning to buy, renew, or refinance, waiting for the next announcement isn’t always the best strategy. Your income, down payment, credit profile, property and mortgage type can all affect the rate and options available to you.

📊 The Bank of Canada continues to navigate economic uncertainty, including U.S. tariffs and elevated energy prices.

💡 My advice as a mortgage broker:
Don’t make your mortgage decision based only on the headline “Bank of Canada held rates.”

The right mortgage strategy depends on your individual situation.

If you’re buying, renewing or refinancing in BC or Alberta, feel free to reach out. I can help you compare your options and understand what makes sense for you.

📩 Jas Buttar | Mortgage Broker
🏠 Jas Buttar Mortgages

AlbertaMortgage HomeBuying MortgageAdvice

🏡 HOW MUCH DOWN PAYMENT DO YOU REALLY NEED TO BUY A HOME?One of the biggest questions I hear from homebuyers is: “How mu...
08/30/2026

🏡 HOW MUCH DOWN PAYMENT DO YOU REALLY NEED TO BUY A HOME?

One of the biggest questions I hear from homebuyers is: “How much money do I actually need for a down payment?”

The answer depends on several factors — including the purchase price, your financial situation, the type of property, and the mortgage you qualify for.

💰 Your down payment can affect:
• Your mortgage amount
• Whether mortgage default insurance applies
• Your monthly mortgage payment
• Your overall borrowing costs
• The mortgage options and rates available to you

And remember — your down payment isn’t the only upfront cost. You may also need to plan for closing costs, legal fees, property transfer tax (where applicable), inspection costs, and other expenses.

👉 Don’t assume that putting 20% down is always the best option. In some situations, keeping more money available for emergencies, investments, renovations, or other costs can make financial sense.

The right strategy depends on YOUR situation, not just a standard rule.

📲 Thinking about buying your first home or upgrading?
Let’s look at your numbers and figure out a down payment strategy that fits your budget and long-term goals.

Jas Buttar Mortgages
📍 Serving BC & Alberta
📞 778-689-8161
📧 [email protected]
📸 Instagram: Jas Buttar

Know your options. Plan your budget. Find the right mortgage. 🏡

08/28/2026

🏦 BANK SAID NO? THAT DOESN’T ALWAYS MEAN YOUR HOMEOWNERSHIP PLANS ARE OVER.

Getting declined by a bank can be frustrating — especially when you know you have equity, income, or a strong plan to improve your financial situation.

This is where alternative and private mortgage solutions may sometimes help.

A private mortgage can potentially be considered when traditional lenders are unable to approve a file because of situations such as:

✅ Self-employed or difficult-to-document income
✅ Credit challenges or recent credit issues
✅ High debt-service ratios
✅ Short-term financing needs
✅ Property or income situations that don’t fit traditional bank guidelines
✅ Bridging a financial gap while working toward a future bank mortgage

But here’s the important part 👇

A private mortgage should usually be viewed as a strategy — not simply a replacement for a bank mortgage.

Private financing can come with higher interest rates, lender fees and shorter terms, so understanding the exit strategy is extremely important.

The goal should be to understand:

Where are you today? → What financing can work now? → How do we get you into a better mortgage solution in the future?

Every mortgage situation is different, and approval depends on the lender, property, equity, income, credit and overall application.

📩 If your bank said NO, don’t assume there are no options.
Send me a message and let’s look at your situation and see what options may be available.

Jas Buttar Mortgages
🏠 Licensed Mortgage Broker | BC & Alberta
📍 Serving Abbotsford • Surrey • Langley • Chilliwack & surrounding areas

DM me for a confidential mortgage consultation.

You may deserve a better mortgage — but are you sure you’re getting the right one? 🏡💰Getting a mortgage isn’t just about...
08/23/2026

You may deserve a better mortgage — but are you sure you’re getting the right one? 🏡💰

Getting a mortgage isn’t just about finding the lowest advertised interest rate. Your mortgage should be based on your income, down payment, credit profile, property type, goals, and long-term plans.

Sometimes, a slightly different mortgage strategy can make a meaningful difference in your monthly payment, qualification, flexibility, or overall borrowing cost.

That’s where working with a mortgage professional can help. I can compare mortgage options from multiple lenders and help you understand:

✅ Which mortgage options you may qualify for
✅ Whether a better rate may be available
✅ Insured vs. insurable vs. uninsured mortgage options
✅ Fixed vs. variable options
✅ Refinancing and debt consolidation strategies
✅ Options for first-time buyers, self-employed borrowers and newcomers
✅ Mortgage solutions that fit your short- and long-term goals

Don’t just ask, “What’s the lowest rate?”
Ask: “What mortgage is actually right for me?”

📞 Jas Buttar
Mortgage Broker | Licensed in BC & Alberta
📱 778-689-8161
📧 [email protected]
📸 Instagram: Jas Buttar

Serving clients across British Columbia & Alberta 🇨🇦

Rates, qualification and mortgage products are subject to lender guidelines and individual circumstances.

Address

Surrey, BC
V3R–V3X, V3Z, V4A, V4N, V4P

Telephone

+17786898161

Website

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