Shaun Zipursky Mortgage Planner

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Shaun Zipursky Mortgage Planner

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

10/29/2026

🔑 Simple. Symbolic. Everything.

These keys represent all of it — the late nights budgeting, the saved down payment, the countless open houses, and the nail-biting wait for final mortgage approval.

And then one day, they're in your hand.

Homeownership is one of the most significant financial and personal milestones a person can reach. We don't take that responsibility lightly. Every client file we work on represents someone's dream, and we treat it that way — from first call to closing day and beyond.

If you're working toward your own key moment somewhere in Metro Vancouver or BC, know that we're here to help you get there.

📲 Contact us at zipmortgage.ca or send us a DM to get started.
https://www.zipmortgage.ca/

10/28/2026

📊 Mortgage rate vs. APR — two numbers every Canadian borrower should understand. Most people only focus on one.

🔢 THE INTEREST RATE
The basic cost of borrowing expressed as a percentage. It's used to calculate your monthly mortgage payment.

📈 THE ANNUAL PERCENTAGE RATE (APR)
APR is a broader measure of the true cost of your mortgage. It includes the interest rate plus lender fees, origination costs, mortgage insurance premiums where applicable, and other costs tied to the loan.

💡 WHY THE DIFFERENCE MATTERS:
Two mortgages can have the same advertised rate but very different APRs — because one has fees buried in the fine print that the other doesn't.

Example:
• Mortgage A: 5.50% rate, zero fees → APR of approximately 5.50%
• Mortgage B: 5.45% rate, $3,000 in fees → APR of approximately 5.62%

Mortgage B advertises a lower rate but actually costs you more.

⚠️ In Canada, lenders are required to disclose the APR. But many buyers never think to ask for it. Ask.

📲 Visit zipmortgage.ca or send us a DM — we'll compare the real cost of your options.
https://www.zipmortgage.ca/

10/28/2026

The Bank of Canada raised its overnight rate by 0.25% today, bringing it to 2.5%. This is the latest move in the Bank’s ongoing effort to bring inflation under control, which has been running around 3% since April and is expected to climb to about 3.5% by year end.

High energy prices tied to the ongoing Middle East conflict, rising business costs, and a stronger-than-expected Canadian economy all pushed the Bank to act. If you have a variable-rate mortgage or HELOC, your rate is going up.

If you’re on a fixed rate, you’re protected until renewal — but now is still a good time to understand where you stand. The next rate decision is December 9, 2026, and further increases haven’t been ruled out.

Have questions about how this affects your mortgage? Send me a message — I’m happy to walk you through it.

10/14/2026

⭐⭐⭐⭐⭐ Over 300 five-star reviews on Google and Facebook. Here's what that number actually represents.

It's not a marketing stat. It's 300-plus families, individuals, and investors who trusted us with one of the most significant decisions of their lives — and walked away happy enough to tell others about it.

Here's what our Vancouver mortgage clients consistently say:

💬 "Shaun was available every step of the way — he never made me feel like a bother."
💬 "They found me a rate I didn't think I could get given my situation."
💬 "The whole process was so much smoother than I expected. They handled everything."
💬 "I've used Zip Mortgage three times now and will never go anywhere else."

✔️ Communication matters — clients want to feel informed, not left guessing
✔️ Experience creates real outcomes — knowing the lenders and the market makes a tangible difference
✔️ Service lasts beyond closing day — we're your mortgage team for life

📲 Search Zip Mortgage Vancouver on Google to read our reviews, or send us a DM to get started.
https://www.zipmortgage.ca/

10/09/2026

Great mortgage advice goes beyond securing a rate. Sometimes, the most valuable support comes from having someone who genuinely puts your best interests first. 🏡✨

Here’s what one client shared about working with Shaun:

“I strongly recommend using Shaun for your mortgage services. We came to him a little too late in our renewal process for him to actually secure us a mortgage (not his fault) but he provided us with very sound advice in our phone meeting. Not only that but he sent us draft emails to use with lenders AND he said he would review any of our offers to provide us with advice going forward. He wouldn't be compensated for any of it but was willing to help us out. He went above and beyond for us so in future he is definitely our go to for renewals.

Thanks very much for your help Shaun. We really do appreciate it.”

Honest advice with your best interests in mind 🤝
Practical guidance when navigating lender offers 📋
Going above and beyond, even without compensation 💬

Thank you for the thoughtful review and for trusting Shaun's expertise. Providing meaningful support and helping clients make informed mortgage decisions is always a priority.

📩 Have a mortgage renewal coming up? Zipursky Mortgage Services is here to help you explore your options, understand your offers, and move forward with confidence.

10/08/2026

🌧️ Vancouver rain. Some people grumble. We just call it atmosphere.

There's something genuinely cozy about a rainy day in this city. The glow of coffee shops. The sound of rain on the windows. The mountains disappearing into cloud.

And it's a good reminder that the best thing about a rainy day is having a warm, dry home that belongs to you.

If homeownership in Vancouver is on your horizon, a rainy day is honestly a great day for planning. Use the quieter moments to get your financial picture in order, explore your mortgage pre-approval options, and get clear on your goals for the year ahead.

📲 Visit zipmortgage.ca or send us a DM — a rainy day is a great day to plan your mortgage.
https://www.zipmortgage.ca/

10/07/2026

🏛️ BC's Property Transfer Tax is one of the biggest closing costs buyers face — and one of the least talked about before offer day. Here's your complete guide.

📊 HOW PTT IS CALCULATED IN BC:
• 1% on the first $200,000
• 2% on $200,001 to $2,000,000
• 3% on anything above $2,000,000

💡 EXAMPLE — on a $900,000 purchase in BC:
• 1% × $200,000 = $2,000
• 2% × $700,000 = $14,000
• Total PTT owing = $16,000

🎉 FIRST-TIME BUYER EXEMPTIONS:
✔️ Full exemption on purchases under $500,000
✔️ Partial exemption on purchases between $500,001 and $835,000
✔️ No exemption applies above $860,000
✔️ Newly built homes under $1,100,000 may also qualify for exemption

📲 Use our free PTT calculator at zipmortgage.ca or send us a DM for a personalized breakdown.
https://www.zipmortgage.ca/

10/01/2026

🚁 Vancouver from above — and it never gets old.

From this perspective you can really see what makes Metro Vancouver so special. Parks woven through neighbourhoods. Mountains framing the skyline. Water everywhere you look.

And somewhere down there, your next home might be waiting.

Real estate in Vancouver is hyper-local. The street, the neighbourhood, the proximity to transit, schools, and green space — it all affects value and livability in ways that matter for your mortgage strategy too.

At Zip Mortgage, we're Vancouver locals. We understand the communities, the submarkets, and what drives value across the Lower Mainland.

💬 Which part of Metro Vancouver are you dreaming about? Drop it in the comments 👇

📲 Visit zipmortgage.ca or send us a DM to start your mortgage journey.
https://www.zipmortgage.ca/

09/30/2026

🤔 Before you sign any mortgage document, make sure you can answer these 5 questions:

1️⃣ WHAT IS THE TOTAL COST OF THIS MORTGAGE?
Don't just look at the interest rate — ask for the Annual Percentage Rate (APR) which includes all associated fees. The cheapest advertised rate isn't always the cheapest mortgage.

2️⃣ WHAT ARE THE PREPAYMENT PRIVILEGES?
Can you make extra payments? How much and how often? This affects how quickly you can build equity and pay off your mortgage faster.

3️⃣ WHAT IS THE PENALTY TO BREAK THIS MORTGAGE?
Life changes. Know exactly what it would cost to exit early — whether for a move, refinance, or personal circumstance.

4️⃣ IS THIS MORTGAGE PORTABLE?
Can you transfer it to a new property if you move before the term ends? Portability can save you from a very costly break penalty.

5️⃣ WHAT HAPPENS AT RENEWAL?
Will your lender automatically offer you a competitive rate, or will you need to negotiate — or walk?

📲 Contact us at zipmortgage.ca or send us a DM — that's exactly what we're here for.
https://www.zipmortgage.ca/

09/25/2026

Buying your first home can come with plenty of questions and tight timelines, but having a knowledgeable and responsive mortgage team by your side can make the process much easier. 🏡✨

“Shaun and Jenna were both fantastic to work with and extremely knowledgeable about everything mortgage-related, as well as the many other first-time buyer questions I randomly threw their way.

We were in a bit of a rush to get everything lined up when we contacted Shaun, and he and his team brought it all together quickly while keeping us well informed throughout the entire process.

Shaun’s communication truly set him apart from everyone else we interacted with during our buying journey, and we will be working with him for the foreseeable future!”

First-time buyer guidance beyond the mortgage 📚
Quick support when timelines are tight ⏱️
Exceptional communication throughout the process 💬

Thank you for the incredible review and for trusting Shaun and Jenna to help bring everything together for your first home purchase.

📩 Buying your first home? Zipursky Mortgage Services is here to answer your questions, explain your options, and help you move forward with confidence.

Address

103/1245 West Broadway Street
Vancouver, BC
V6H1G7

Website

http://www.zipmortgage.ca/

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