Pilot Mortgage Group

Pilot Mortgage Group Our team of professional Mortgage Brokers in Vancouver, BC arranges residential and small commercial mortgage financing.

Our team of Professional Mortgage Brokers in Vancouver, BC arranges residential and small commercial mortgage financing.

03/18/2026

Success is where most people lose momentum.

Gary made a point on the podcast that a lot of people need to hear.

As we start to see success, we ease off.
We stop doing the things that got us there.
The habits slip. The intensity drops.

And we tell ourselves we’ve earned it.

But that’s exactly where people plateau.

Because motivation fades. It always does.
Discipline is what carries you through.

The top performers are not more motivated.
They’re more consistent.

They keep showing up.
They keep doing the fundamentals.
They keep executing when it’s no longer exciting.

That’s the difference.

🎥 Watch the full episode here:
https://youtu.be/Jetj1kDHthA?si=y_SFYNIdFbn4zgmZ

Curious to hear your take:
Where have you caught yourself taking your foot off the gas?

03/09/2026

The top 1% of brokers have something in common.

Focus.

On the podcast, Gary talked about how the highest performing brokers in our industry operate. They are incredibly focused on what matters and disciplined about what they ignore.

They’re not chasing every opportunity.
They’re not distracted by every new idea.
They’re not trying to do everything.

They understand exactly where their value is created and they spend the majority of their time there.

Building relationships.
Advising clients.
Solving complex problems.
Closing business.

That level of focus is what separates the top performers from everyone else.

Success in this business is rarely about doing more.
It’s about doing less, but doing the right things consistently.

🎥 Watch the full podcast episode here:
https://youtu.be/Jetj1kDHthA?si=y_SFYNIdFbn4zgmZ

Curious to hear from other brokers:
What’s the one activity that moves the needle most in your business?

03/04/2026

Managers look for what’s wrong. Leaders look for what’s right.

On the podcast, Gary shared a simple observation about leadership that stuck with me.

Managers often walk around trying to catch people doing something wrong. They’re looking for mistakes, gaps, and problems to correct.

Leaders do the opposite.

They walk around looking for what people are doing right. They recognize it. They praise it. And they set the standard by leading through example.

When people feel seen for their effort and their wins, they lean in. They grow. They raise their own expectations.

Culture doesn’t come from policies or mission statements.
It comes from the behavior leaders reinforce every single day.

🎥 Watch the full conversation here:
https://youtu.be/Jetj1kDHthA?si=y_SFYNIdFbn4zgmZ

Curious to hear your thoughts:
What’s the best leadership trait you’ve experienced from someone above you?

03/01/2026

Don’t be a high value person doing low value tasks.

That was Gary’s point on the podcast.

Too many brokers spend their time in email threads, chasing paperwork, updating spreadsheets, solving admin problems.

Important tasks? Yes.
High value tasks? No.

Your value as a broker is not in uploading documents.
It’s in strategy.
It’s in advice.
It’s in structuring complex files.
It’s in building referral relationships.
It’s in closing.

If you’re spending most of your day inside low-leverage work, you’re capping your own growth.

The brokers who scale understand this.
They build systems. They delegate. They protect their time.

Because your calendar reflects your priorities.
And your priorities determine your income.

🎥 Watch the full podcast episode here:
https://youtu.be/Jetj1kDHthA?si=y_SFYNIdFbn4zgmZ

Curious to hear from other brokers:
What’s the lowest-value task you’re still doing that you know you shouldn’t be?

02/27/2026

Consumers expect rates. Brokers deliver value.

On the podcast with Gary, I asked him a question that sits at the center of our industry:

Is there a disconnect between what consumers expect from rates and the value brokers actually provide?

His answer was honest.

Most consumers are conditioned to shop for the lowest rate. That’s what headlines train them to do. But brokers know the real value is not just the rate. It’s structure. Strategy. Risk management. Long-term planning.

A mortgage is not a commodity.
It’s a financial instrument that impacts wealth, flexibility, and freedom.

When consumers focus only on rate, they miss the bigger picture.
When brokers focus only on rate, they lower their own value.

That tension is real in today’s market.

If you’re in finance, real estate, or lending, this conversation is worth your time.

🎥 Watch the full episode here:
https://youtu.be/Jetj1kDHthA?si=y_SFYNIdFbn4zgmZ

Curious to hear your take.
Do consumers undervalue brokers, or have we as an industry failed to communicate our value clearly?

02/25/2026

Coaching is not a luxury. It’s leverage.

If you’re not actively learning, someone else is passing you.

The people who win long term are the ones who choose environments that demand growth.
That’s the standard we believe in.

Are you in a room that stretches you, or one that keeps you comfortable?

02/24/2026

The mortgage industry is entering a new phase.

I sat down with Gary Mauris to talk about:

• Where brokers are winning
• Where standards are slipping
• What the next 5 years will demand from professionals

If you’re in this business, this conversation matters.

Full episode now up on YouTube

Comment INDUSTRY if you want the direct link.

02/24/2026

The mortgage industry is entering a new phase.

I sat down with Gary Mauris to talk about:

• Where brokers are winning
• Where standards are slipping
• What the next 5 years will demand from professionals

If you’re in this business, this conversation matters.

Full episode linked in bio.

Comment INDUSTRY if you want the direct link.

Big Changes to British Columbia Property Taxes (continued from yesterday)Following up on my post from yesterday about th...
02/18/2026

Big Changes to British Columbia Property Taxes (continued from yesterday)

Following up on my post from yesterday about the upcoming changes to BC’s Property Tax Deferment Program, I wanted to run some real numbers to show what this may actually look like in practice.

Previously, deferred property taxes were charged at Prime minus 2% using simple interest. This made it a relatively low cost way for anyone over the age of 55 to reduce their monthly expenses and improve cash flow in retirement.

Starting in 2026, any new property taxes you defer will now be charged at:

Prime + 2% with interest compounded monthly

Here is a simple example based on a $10,000 annual property tax bill deferred each year for 5 years:

Old rules (Prime - 2% = 2.45%, simple interest)
Total taxes deferred: $50,000
Estimated interest cost over 5 years: ~ $3,675

New rules (Prime + 2% = 6.45%, compounded monthly)
Total taxes deferred: $50,000
Estimated interest cost over 5 years: ~ $10,894

That is roughly $7,219 more in interest over the same period, based on today’s Prime rate of 4.45%.

For anyone currently deferring property taxes to help with retirement cash flow there are lower cost alternatives. Please reach out to discuss.

If you or your clients are deferring property taxes in British Columbia, It's about to change dramatically!BC’s Property...
02/17/2026

If you or your clients are deferring property taxes in British Columbia, It's about to change dramatically!

BC’s Property Tax Deferment Program is set for significant changes in 2026. Historically, this program has served as a valuable planning tool for retired homeowners aiming to:

- Preserve invested capital

- Reduce sequence of returns risk

- Delay RRIF withdrawals

- Avoid drawing down non-registered portfolios during market volatility

Previously, deferred property taxes were charged at Prime minus 2% (Regular Program) using simple interest, allowing the Province to effectively advance funds at a below-market rate secured by a lien on title. However, this will change.

Starting with Budget 2026, all property taxes deferred for the 2026 tax year and beyond will be charged at:

- Prime + 2% using compound interest

In practice, this means:

- Interest will accrue at 2% above Prime

- It will be compounded monthly

- Accrued interest will be added to the loan balance on the 23rd of each month

- This interest will then itself become subject to interest in subsequent months

This marks a structural shift in the program. Existing deferred balances from 2025 and earlier will retain their previous terms. However, those enrolled in automatic renewal will have their 2026 property taxes deferred under the new interest and compounding rules unless they opt out before the municipal tax deadline.

From a financial planning perspective, the cost of capital for this strategy has shifted from below-market government-backed liquidity to secured borrowing at rates comparable to certain HELOC or reverse mortgage products, with interest compounding against home equity until repayment upon refinance or sale.

For clients who have been deferring taxes annually to preserve portfolio assets or extend withdrawal timelines, it may be time to reassess whether continued participation aligns with their broader decumulation strategy. This change is likely to transition the program from a planning optimization tool to a hardship-mitigation measure for many clients starting in 2026.

If you have retired homeowner clients currently enrolled in automatic deferment, consider reviewing their participation before the next renewal.

Was anyone expecting this?

https://www2.gov.bc.ca/gov/content/taxes/property-taxes/annual-property-tax/property-tax-deferment-program/tax-deferment-interest-fees


A banks policy nearly cost my clients $200,000 in buying power.They had been pre-approved by a mortgage specialist at TD...
01/15/2026

A banks policy nearly cost my clients $200,000 in buying power.

They had been pre-approved by a mortgage specialist at TD Bank to purchase an owner-occupied home with a basement suite generating $1,600 per month in rental income. Their maximum approved mortgage was $1,806,000. While that initially seemed workable, they quickly realized it limited their ability to find a home that truly met their needs.

At a friend’s suggestion, they reached out to me for a second opinion.

After reviewing the application, the issue was clear. The bank applied a very conservative treatment of the basement suite income, effectively ignoring most of it for qualification purposes. This was not an issue with the clients, their income, or their credit. It was purely a lender policy constraint.

After restructuring the application and placing it with a local credit union they had not previously considered, we secured a mortgage at a comparable rate with an approved amount of $1,989,235.

Nearly $200,000 more buying power. Same clients. Same income. Just a different lender.

Here's the takeaway. Every lender treats income, liabilities, and risk differently. There is no single “best” bank. There is only the right lender for your specific situation. If you want to understand the full spectrum of lending options available to you, you need someone who understands how each lender’s policies actually work and whether they will work for you.

Always happy to review a file when a second set of eyes could make a meaningful difference.

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1800 – 450 SW Marine Drive
Vancouver, BC
V5X0C3

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Wednesday 9am - 5pm
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