Zupan Mortgage Services

Zupan Mortgage Services I structure my business around providing a heightened level of attention and service.

By making client satisfaction my top priority, I strive to provide an experience that is efficient, enjoyable & most of all, one that brings exceptional results.

07/15/2026

Bank of Canada held rates again today. Not the story.

The real story: two of the three ingredients for stagflation are now on the table in Canada — inflation running at 3.2% (well above target) and growth projected under 1% this year. The one thing holding the line? Jobs. Unemployment’s still low, still adding positions. So we’re not there yet — but markets are paying attention, which is why rate-cut bets just got pushed out to a rate-hike bet for early 2027.

Here’s what actually matters for you though: the rate the Bank sets is rarely where your real savings are. In this video I walk through a real client case — a rental property purchase where restructuring (not rate-shopping) saved them real money, paid off their family home, and didn’t change their total debt by a dollar.

If you own a rental — or are thinking about buying one — this is worth 90 seconds.

Full breakdown + numbers in my latest newsletter (link in bio). Questions about your own situation? DM me or book a call.

01/28/2026

☕️ Bank of Canada: no change today. No rate mojo.

Rates stay put — and the base case is unchanged for most (if not all) of the year. Growth remains sluggish, with GDP projected at 1.10% this year and 1.50% next, while CUSMA renegotiation risk hangs in the background.

📊 Inflation check:
Recent upticks mostly reflect last year’s GST holiday falling out of the data. The Bank still expects CPI to hover near 2.00% — but day-to-day costs tell a different story:

☕️ Coffee: +30.00% YoY

🥩 Beef: +17.00% YoY

🍽️ Dining out: +8.50% YoY

🍷 Drinks: +6.50% YoY

(If you don’t eat… inflation’s looking great 😅)

📈 Rates looking ahead:
Expectations now lean slightly toward higher rates, not cuts. None of the Big 6 are calling for reductions, and 2 banks see up to 0.50% of hikes by end-2026.

If you’re in a variable with the plan to eventually lock into a fixed — and you don’t expect to break your mortgage — it may be worth checking your lock-in option now. History still favors riding variables, but plans matter more than averages.

🌎 Big wildcard: CUSMA.
A negative outcome could mean weaker GDP, a softer loonie, and renewed inflation pressure.

🧠 As the Bank put it today:

“Uncertainty is heightened & we are monitoring risks closely. If the outlook changes, we are prepared to respond.”

🔑 With a wave of renewals coming this year, the best move is getting ahead of it early, building a plan, and not leaving options on the table.

Reach out if you want to talk strategy. Have a great week 👋

12/10/2025

No surprises from the Bank of Canada today.

Economic data picked up just enough to keep rates steady as we close out the year — unemployment dipped to 6.9%, and Q3 GDP popped to 2.6% (vs. 0.5% expected).

But that headline growth?
It’s mostly a math story, not a strength story. 📉
Imports dropped sharply (-8.6%), which mechanically boosts GDP, while household spending saw its steepest non-pandemic decline in nearly 20 years.

All of this sets up a challenging Q4 and an uncertain runway into 2026.

Layoffs, global trade tensions, and volatility could still push the Bank of Canada toward cuts next year — but for now, the policy rate sits right where they want it to keep inflation near 2%.

If you have a mortgage coming up for renewal in 2026, this is the window to build a plan, understand your options, and stay ahead of the curve.

📩 Send me a message anytime — happy to help you map out the smartest path forward.

Putting those kids to work.. 600 lunches for the smiling folks on the DTES for our annual Day of Caring.
11/15/2025

Putting those kids to work.. 600 lunches for the smiling folks on the DTES for our annual Day of Caring.

📣😃BIG news from the Bank of Canada this morning as they rolled out a jumbo rate cut of 0.5%. 🥳👏👏
10/23/2024

📣😃BIG news from the Bank of Canada this morning as they rolled out a jumbo rate cut of 0.5%. 🥳👏👏

10/15/2024

📉 Inflation Falls Below 2% for the First Time in Over Three Years! 🇨🇦

Canada’s inflation rate dropped to 1.6% in September, the lowest it’s been since early 2021, driven by a 7.1% drop in gas prices. This is another positive sign for inflation subsiding as last week’s wage inflation data also showed a decline.

💡 With the Bank of Canada’s next interest rate decision just around the corner (Oct. 23), analysts are now split on whether we’ll see a 0.25% or 0.5% rate cut.

What do you think—will the BoC make a bold move of 0.5% or play it more conservatively ? 👀

“I have a REALLY good accountant who somehow saves me a ton of tax” -every self employed person ever. 📣ARE YOU SELF EMPL...
09/25/2024

“I have a REALLY good accountant who somehow saves me a ton of tax” -every self employed person ever.

📣ARE YOU SELF EMPLOYED & HAVING ISSUES QUALIFYING FOR THE MORTGAGE YOU WANT?🙋‍♂️

🕵️As long as the income ACTUALLY exists there are programs that can help. These range from:

🤜relying on net income of corporation you own

🤜adding back certain expenses (depreciation, rent, phone, “marketing” that is actually just your booze bills)

🤜going off deposits showing on 12 months of business bank account history

🤜and more!

Contact us TODAY if you are self employed & want to understand your options to get a larger mortgage OTHER THAN just paying more income tax !

🕵️More details on the rollout of the new insured mortgage rules ($1.5m price ceiling + 30 year amortization): 🎬APPLICAT...
09/24/2024

🕵️More details on the rollout of the new insured mortgage rules ($1.5m price ceiling + 30 year amortization):

🎬APPLICATIONS will start being accepted Dec 15, 2024

🙋‍♂️🙋‍♀️❓THIS MEANS: if you’re planning on taking advantage, you won’t be able to submit for a mortgage approval until Dec 15th. ⭐️🏆

Gotta wait, people!

📣📢BIG NEWS FOR FIRST TIME BUYERS & THOSE WITH LESS THAN 20% DOWN:-price cap on insured mortgages (buyers with
09/17/2024

📣📢BIG NEWS FOR FIRST TIME BUYERS & THOSE WITH LESS THAN 20% DOWN:

-price cap on insured mortgages (buyers with

🏦💰The Bank of Canada has CUT interest rates 0.25% this morning for the third consecutive meeting. 📉this lowers Prime Rat...
09/04/2024

🏦💰The Bank of Canada has CUT interest rates 0.25% this morning for the third consecutive meeting.

📉this lowers Prime Rate from 6.7% to 6.45% & reduces variable rate mortgages & lines of credit. Why did they lower & what is to come?🤨

Stay tuned for our breakdown coming in hot later this morning !

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#103/1245 West Broadway
Vancouver, BC
V6H1G7

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+16042506122

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