Shaun Zipursky Mortgage Planner

Shaun Zipursky Mortgage Planner Shaun Zipursky, Senior Mortgage Planner @ Zipursky Mortgage Services & Partner at City Wide Mortgage Sr. Mortgage Planner

The Bank of Canada makes its next interest rate announcement on Wednesday, June 10 — and this one is worth paying attent...
06/03/2026

The Bank of Canada makes its next interest rate announcement on Wednesday, June 10 — and this one is worth paying attention to.

Here's the current picture heading into the decision:
📊 The overnight rate has been held at 2.25% since earlier this year — down significantly from the 5.0% peak in 2024.

⚠️ But there's new uncertainty in the mix. Rising oil prices tied to Middle East tensions have pushed inflation up to 2.4%, and the Bank of Canada has signalled that a rate increase could be on the table if energy-driven inflation continues to climb.

What does this mean for your mortgage?

🔒 FIXED RATE HOLDERS
Your rate doesn't change regardless of what the Bank announces. But if you're coming up for renewal in the next 6 to 12 months, now is the time to be watching the market closely.

📈 VARIABLE RATE HOLDERS
Your rate moves with the prime rate, which follows the BoC overnight rate. A hold means no change to your payment. A hike would increase it.

🏡 BUYERS GETTING PRE-APPROVED
Rate holds are actually good news — they create a more predictable environment for planning your purchase. A pre-approval now locks in today's rates for 90 to 120 days.

💡 The most important thing any borrower can do right now is understand how their specific mortgage is affected — and have a plan for different scenarios.

We'll be watching Wednesday's announcement closely. Questions about how it affects your situation? Contact us at zipmortgage.ca or send us a DM.

If there’s one thing I want every homeowner to know about real estate investing, it’s this: building a strong investment...
05/28/2026

If there’s one thing I want every homeowner to know about real estate investing, it’s this: building a strong investment portfolio requires more than just buying properties—it demands strategic mortgage planning tailored to your financial goals. With over 35 years guiding Vancouver buyers through this process, I understand how crucial it is to select mortgage solutions that align with your long-term wealth objectives.

Successful portfolio growth depends on three key factors:

1. Choosing the right lenders who offer competitive rates and flexible terms for investment properties.
2. Managing your mortgage structure to maximize cash flow while minimizing risk.
3. Staying informed about market changes and renewal opportunities to keep your investments performing at their best.

My team and I have helped hundreds of clients, earning 300+ five-star reviews along the way. We’re committed to providing you with clear guidance and personalized service, so you always know where you stand—no surprises. Whether you’re adding your first rental or expanding your holdings, trust us to cut through the complexity and develop a mortgage strategy that supports your financial growth.

Call 604-996-0041 – let’s put the plan in place for you.
https://www.zipmortgage.ca/

Is locking in a fixed rate mortgage always the safer bet? Many clients wonder if switching from a variable to a fixed ra...
05/27/2026

Is locking in a fixed rate mortgage always the safer bet? Many clients wonder if switching from a variable to a fixed rate really solves their concerns—or creates new challenges.

Here’s what you should know before making the move:

1. Stability comes at a cost – Fixed rates generally carry higher interest than variable rates at the outset. You pay a premium for predictable monthly payments, which many homeowners value in an uncertain market like Vancouver’s.

2. Breaking penalties can add up – Exiting a mortgage early often means penalties, sometimes significant. Variable rate mortgages typically have lower penalties—around three months’ interest or roughly 0.5% of your outstanding balance—while fixed rates can be more expensive to break.

3. Life rarely follows the plan – Data shows nearly 60% of Canadians adjust or break their mortgages about three years into the term. Whether moving, refinancing, or other changes, flexibility matters more than many anticipate.

I help clients weigh these factors carefully. Strategic mortgage management means aligning your rate choice with your long-term goals and lifestyle.

If you’re unsure whether now is the right time to convert your mortgage or stay the course, let’s discuss your options clearly and confidently.

Schedule your free mortgage review at https://www.zipmortgage.ca/ and gain clarity on the best path forward.
https://www.zipmortgage.ca/

The difference between a good mortgage and a great one is how well it aligns with your unique financial circumstances — ...
05/21/2026

The difference between a good mortgage and a great one is how well it aligns with your unique financial circumstances — especially when you’re self-employed. Traditional mortgage criteria often don’t capture the full picture of self-employed income, which can make securing financing a challenge. That’s where specialized mortgage solutions come in, designed to work with your business structure and income flow.

I’ve helped many self-employed clients successfully secure mortgages that fit their lifestyle and goals. Here’s how we approach it:

1. Comprehensive review – We start by understanding your income sources, business cycles, and financial documents to create a full snapshot.
2. Customized mortgage options – We identify lenders who recognize non-traditional income and offer competitive terms tailored to self-employed borrowers.
3. Clear communication – Throughout the process, you’ll know exactly where you stand so there are no surprises.

Whether you run a small business, freelancing career, or multiple income streams, strategic mortgage management makes all the difference. In Vancouver’s competitive market, having a broker who knows how to cut through the noise can save time, stress, and money.

I’m happy to provide lifetime service — reach out anytime.
https://www.zipmortgage.ca/

Here’s what I’ve learned about building a credit profile that opens doors to homeownership.Lenders want to see more than...
05/20/2026

Here’s what I’ve learned about building a credit profile that opens doors to homeownership.

Lenders want to see more than just a credit score—they look for consistent, responsible credit use over time. One reliable benchmark is the “2/2/2 guideline” that helps set expectations:

- Two separate credit accounts (trade lines), such as a credit card or a loan
- Each account active for at least two years
- A minimum credit limit of $2,000 on each

These trade lines show lenders you can manage different types of credit responsibly. It’s essential that each account is used periodically—at least one transaction every three months—to remain “active” on your credit report.

Strong credit history means demonstrating steady management rather than occasional activity. That’s why it’s important to start early and check your credit reports regularly for accuracy. Small improvements now can make a big difference when you’re ready to secure mortgage financing in Vancouver or elsewhere in BC.

My team and I know how to guide clients through this process with clear, strategic mortgage management. Every client benefits from a thorough plan tailored to their unique financial situation.

Get your clear plan today - book a call at https://www.zipmortgage.ca/
https://www.zipmortgage.ca/

Most people overlook this when preparing to buy their first home: securing the right mortgage starts with deep understan...
05/14/2026

Most people overlook this when preparing to buy their first home: securing the right mortgage starts with deep understanding, not just rates. With over 35 years navigating Vancouver’s complex market, I’ve seen that every first-time buyer’s situation is unique. That’s why personalized guidance is essential.

Here’s what often gets missed:

1. The mortgage process is personal. It’s not just about numbers—it’s about your goals, income, and future plans.
2. You need a clear strategy to navigate dozens of lenders, interest rates, and loan features—all tailored to BC’s evolving real estate landscape.
3. Transparency matters. My team and I ensure you know exactly where you stand at every step. No surprises.

We’ve built trust by delivering strategic mortgage management designed to fit your needs and lifestyle.

If you’re ready to explore your options with confidence, let’s connect. I’m here to help you understand the details and make informed decisions for your homeownership journey.

DM us or visit https://www.zipmortgage.ca/ – we're here to help.
https://www.zipmortgage.ca/

Let’s talk about financing a home that needs some TLC here in Vancouver. I often see clients struggle to find a move-in...
05/13/2026

Let’s talk about financing a home that needs some TLC here in Vancouver. I often see clients struggle to find a move-in ready home that fits their budget. That’s where the purchase plus improvements mortgage option can make a big difference.

If you’ve been pre-approved and are hunting for properties, but nothing quite meets your expectations, consider factoring renovation costs into your mortgage. This program allows you to borrow not only for the purchase price but also for planned upgrades that will increase the property’s value.

Here’s how it works:

1. You submit detailed quotes for the renovations to your lender upfront—these must show that the improvements will boost the home’s worth.

2. Funds for the upgrades aren’t disbursed right away; you pay for the work yourself initially.

3. After the renovations are finished and verified by an appraiser, your lender reimburses you and adjusts your mortgage to include those costs.

Navigating this process requires strategic mortgage management and a clear understanding of lender requirements. That’s why partnering with an experienced broker who can cut through the complexity and keep you informed every step of the way matters.

Ready to explore how purchase plus improvements can unlock your ideal home in Vancouver? Visit https://www.zipmortgage.ca/ or call 604-996-0041 to get started.
https://www.zipmortgage.ca/

Long-term trust is earned through consistent service and genuine care.Here’s what one client shared about working with S...
05/07/2026

Long-term trust is earned through consistent service and genuine care.
Here’s what one client shared about working with Shaun and his team for over 10 years:

"Shaun has been my mortgage broker for over 10 years now. He has done nothing but the best for me and my family. Shaun and his team have always helped me through whatever I need regarding my mortgage. He is quick, attentive, and truly cares for his clients. I would recommend him and his team to anybody!"

Over a decade of trust 🤝
Fast, attentive service ⚡
A team that truly cares 🏡

If you’re looking for mortgage professionals who will support you for the long haul, we are here to help.

Mortgage renewal doesn’t have to be complicated.With over 35 years guiding Vancouver homeowners through seamless mortgag...
05/07/2026

Mortgage renewal doesn’t have to be complicated.

With over 35 years guiding Vancouver homeowners through seamless mortgage renewals, Shaun Zipursky understands the local market’s nuances and lender options better than anyone. When your term is coming to an end, having a clear, strategic plan is essential—not just to secure the best rate but to align your mortgage with your evolving financial goals.

Here’s how we make your renewal stress-free:

1. Review your current mortgage details alongside your future plans—buying, refinancing, or investment.
2. Analyze competitive mortgage products across lenders. We cut through the clutter so you’re never overwhelmed by choices.
3. Handle the paperwork and negotiations for you, keeping you informed every step of the way. No surprises—just results.

With more than 300 five-star reviews, our clients trust us to deliver personalized service and expert advice tailored to their needs. Shaun and his team are ready to help you explore all available options before your renewal date arrives.

If your mortgage renewal is on the horizon, don’t wait. Connect with Shaun and the team today at 604-996-0041. We look forward to putting our experience to work for you.
https://www.zipmortgage.ca/

Missed a credit card or line of credit payment recently? You’re not alone, and understanding how this affects your mortg...
05/06/2026

Missed a credit card or line of credit payment recently? You’re not alone, and understanding how this affects your mortgage prospects is critical.

Many homeowners face short-term cash flow hiccups. Here’s what you need to know:

1. Minor late payments under 30 days often don’t show up on your credit report. Credit bureaus report delinquencies starting at 30 days late, so a brief delay—corrected quickly—usually won’t harm your credit score.

2. If arrears stretch beyond 30, 60, or 90 days, your credit rating may take a hit. This can complicate qualifying for new mortgages or refinancing. At that point, making at least minimum payments promptly is essential to prevent further impact.

3. Open communication with your lenders is vital. Mortgage lenders and financial institutions in BC appreciate transparency. Ignoring missed payments risks having your debt sent to collections, which can severely damage your credit profile.

I’ve guided clients through similar challenges. Strategic mortgage management starts with addressing financial setbacks early. Remember, the mortgage process is personal—and I’m here to help you navigate these bumps with no surprises.

Let’s talk—book a call at https://www.zipmortgage.ca/ and put my industry experience to work for you.

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103/1245 West Broadway Street
Vancouver, BC
V6H1G7

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