Borrow With Morrow

Borrow With Morrow Mortgage Broker | Vine Group Chris became a mortgage broker with 4front Mortgages after spending 6 years working for multiple mortgage lenders.

During his time working for the bank, Chris excelled in several roles as a Mortgage Underwriter, Mortgage Renewals Specialist and Business Development Manager. Chris’s extensive experience working on the mortgage lender side of the business has allowed him to fully understand how to properly set up and submit his client’s files for success to ensure fast, efficient, and tailored approvals no matte

r how challenging the situation may be. Whether it is working with the Self Employed, First Time Home Buyers, Seasoned Buyers, Real Estate Investors, New to Canada, the Credit Challenged, or those looking to access equity in their home, Chris will work tirelessly to secure his client’s approval. Chris’s goal in every mortgage transaction is to educate and guide his clients so they are fully aware and informed every step of the way. He promises to make the process as smooth, seamless and enjoyable as possible and to always put his client’s needs first. He values client referrals and ensures every client is treated with respect, honesty and integrity. In his spare time Chris enjoys spending time with family and friends, exploring new parts of the world on a motorcycle and playing his favorite sports, Squash, Golf, Slowpitch Softball, Curling and Running.

08/26/2026

The biggest credit mistake first-time home buyers make? Not understanding the 2-2-2 Rule. 🛑
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Lenders look at more than just your overall score—they look for depth of credit history. Here is what you need to qualify:
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🔹 2 Active Trade Lines (Credit card, line of credit, auto loan)
🔹 $2,000+ Limit on each line
🔹 2 Years of clean repayment history
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If you only have one card with a low limit, lenders consider that “thin credit.” The good news? It’s an easy fix if you plan ahead.
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Save this post for when you’re ready to buy! 📌
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08/21/2026

How do banks actually calculate your borrowing power? It comes down to 3 main factors:

1️⃣ Income vs. Existing Debt
2️⃣ Credit Score
3️⃣ Down Payment Size

Save this for when you’re ready to start shopping, and tap the link in bio if you want to see where you stand today! 🏡✨

08/19/2026

How much income do you *actually* need to buy a home in Canada right now? 🇨🇦👇

Here’s the math broken down by purchase price, from minimum down payment to 20% down.

📌 Save this post for when you start your home search, or send it to someone looking to buy!

Got questions on your specific scenario? Drop a comment or send a DM! 📩

08/17/2026

How Canadian Mortgage Insurance Actually Works 🇨🇦👇

Buying a home with less than 20% down? You’ll need mortgage default insurance—but how is the premium calculated?
Here’s the breakdown:

📉 Higher Down Payment = Lower Premium Rate
📊 Calculated as a % of your total loan amount (not the purchase price!)
➕ The premium gets added directly onto your mortgage balance at closing.

Swipe the video to see a real-life example on a $600K purchase! 🏠✨
Got questions about your down payment strategy? Drop a comment below!

08/14/2026

Putting down less than 20% actually gets you a better mortgage rate? 🤯

Sounds counter-intuitive, but insured mortgages mean less risk for lenders—and lower rates for you.

💬 Comment FIRST below and I’ll send you my free First-Time Homebuyer’s Guide!

08/12/2026

Most people only look at the rate on their mortgage renewal letter.

Your renewal is actually the best time to reassess your entire mortgage and make sure it’s optimized for your next term.

Here are 4 things your renewal letter won’t tell you:

1. Is your payment optimized for your plans?
2. Can you consolidate high-interest debt into your rate?
3. Do you need access to equity for future projects?
4. Are you getting the best fixed vs. variable terms?

If your renewal is coming up, hit the link in my bio for a free review! 📲

08/10/2026

Your accountant minimizes your tax. I maximize your buying power. 🏠💼

If you’re self-employed, standard 2-year averages rarely tell the whole story. Lenders have specific programs designed to help business owners qualify for more:

Bank Statements: Income calculated directly from gross business deposits.

Stated Income: Approvals based on tax docs paired with realistic industry earnings.

Corporate Add-Backs: Adding non-cash expenses back into your personal income.

The key? Getting your accountant and mortgage professional on the same page.

08/06/2026

How much do you actually need to make to buy a $600k condo? 🏢👇

Here’s how the math breaks down:

📍Minimum Down Payment ($35,000):
Mortgage: ~$2,700/mo
Property Tax: ~$175/mo
Strata Fees: ~$400/mo
Total Monthly: ~$3,275/mo
Required Household Income: ~$120,000/yr

📍 20% Down Payment ($120,000):
Mortgage: ~$2,250/mo
Property Tax: ~$175/mo
Strata Fees: ~$400/mo
Total Monthly: ~$2,825/mo
Required Household Income: ~$90,000/yr

Want to see what income you’d need for a specific purchase price or neighborhood?

💬 Drop a purchase price in the comments below, and I’ll run the numbers for you!

08/05/2026

You don’t need 20% down to buy a home in Canada. 🇨🇦
Unless your purchase price exceeds $1.5M, here is the exact minimum cash required:
🏡 Up to $500,000 (Flat 5%)
$400k ➔ $20,000
$500k ➔ $25,000
🏡 $500k to $1.5M (5% on first $500k + 10% on balance)
$600k ➔ $35,000
$800k ➔ $55,000
$1.0M ➔ $75,000
$1.5M ➔ $125,000
📌 SAVE this post for when you start house hunting, or SEND it to someone saving for their first place!
Questions about qualifying? Drop a comment or send a DM! 💬
homebuyingtipsandtricks

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1032 Pacific Boulevard
Vancouver, BC
V6Z3A3

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