Mortgages By Niko

08/28/2026

🏠✨ CAN YOU AFFORD THIS HOME? ✨🏠

607 – 15739 Fraser Highway, Surrey, BC
Price: $539,900
Listed by Harman Bedi and Becky Zhou Hill

🔗 See the listing here:

Swipe to see what it actually takes to own this one 👉

✅ 5% Min. Down Payment: $28,990

✅ 20% Down Payment: $107,980

✅ GST: 5% ($26,995) — pay it outright and the numbers above don’t change, or roll it into your mortgage and I’ll recalculate for you

✅ $0 PTT (Property Transfer Tax) — new builds under $1.1M are fully exempt, for ALL buyers

✅ 30-Year Amortization available — even with less than 20% down, for ALL buyers on new construction

First-Time Home Buyer Benefits:

✅ GST Rebate — may receive the full $26,995 back.

Your first home doesn’t have to be complicated. It just means having the right team in your corner.

Niko Karvoz - Mortgage Broker
📱 604-780-9818
✉️ [email protected]

🔗 Link in bio for your FREE mortgage pre-approval today.

08/26/2026

🏠✨ DEAL OF THE WEEK ✨🏠

They found their dream pre-sale home. The bank said no.

Why? The husband is self-employed, pulling in $100K+/year — but he wasn’t paying himself a salary or dividends. On paper, the A-lenders couldn’t make it work.

We had two options: force a salary just to qualify with an A-lender — and hand over tens of thousands in unnecessary taxes — or go with a B-lender bank statement program built around what his business actually earns.

📞 We ran the numbers on both. Even at a rate 1% higher than the A-lender offer, the B-lender route saved him tens of thousands of dollars compared to the tax hit of the A-lender salary route.

✅ Qualified income using his real business bank deposits — no forced salary

✅ Tens of thousands saved vs. the A-lender “pay yourself a salary” route

✅ Secured a 3-Year Fixed at 4.99% — just 0.5% above the A-lender rate

✅ Built a 2-Year Plan to refinance into an A-Lender at renewal

✅ First-time buyers, Surrey, BC — mortgage funded

⏱ Declined by the bank → B-Lender Bank Statement Program → Keys in hand

Being self-employed shouldn’t cost you your first home — or thousands in taxes you didn’t need to pay. It just means you need the right mortgage broker who knows how to structure the deal.

📩 DM “READY”
📱 604-780-9818
✉️ [email protected]

🔗 Link in bio for your FREE mortgage pre-approval today.

08/24/2026

🏠✨ CAN YOU AFFORD THIS HOME? ✨🏠

430 - 9979 140 Street, Surrey, BC
$469,900

Listed by Roger Rampuri - Sutton Centre Realty

🔗 See the listing here👇

https://www.realtor.ca/real-estate/30166476/430-9979-140-street-surrey

Swipe to see what it actually takes to own this one 👉

✅ Min. Down Payment: $23,495

✅ 20% Down Payment: $93,980

First Time Home Buyer Benefits:

✅ Save the entire $7,398 in PTT if you occupy the property and are a first time homebuyer

✅ Want to understand all benefits? Reach out.

📞 Call me today and let’s run your numbers.

Niko Karvoz - Mortgage Broker
📱 604-780-9818
✉️ [email protected]

🔗 Link in bio for your FREE mortgage pre-approval today.

08/24/2026

🏠✨ CAN YOU AFFORD THIS HOME? ✨🏠
430 - 9979 140 Street, Surrey, BC
$469,900

Listed by Roger Rampuri - Sutton Centre Realty

🔗 See the listing here👇

https://www.realtor.ca/real-estate/30166476/430-9979-140-street-surrey

Swipe to see what it actually takes to own this one 👉

✅ Min. Down Payment: $23,495

✅ 20% Down Payment: $93,980

First Time Home Buyer Benefits:

✅ Save the entire $7,398 in PTT if you occupy the property and are a first time homebuyer

✅ Want to understand all benefits? Reach out.

📞 Call me today and let’s run your numbers.

Niko Karvoz - Mortgage Broker
📱 604-780-9818
✉️ [email protected]

🔗 Link in bio for your FREE mortgage pre-approval today.

08/20/2026

💡 IS REFINANCING RIGHT FOR YOU? 💡

Unlock better financial flexibility with the equity you’ve already built.

✅ Consolidate Debts — combine high-interest debts into one manageable payment.

✅ Lower Payments — reduce your monthly costs & increase cashflow.

✅ Invest — access your equity and put it to work earning returns.

✅ Renovate — fund the upgrades that add value to your home.

✅ Lower Your Rate — refinance into a better rate if the market has shifted.

📞 Call or message me today and let’s run your numbers.

Niko Karvoz - Mortgage Broker
📱 604-780-9818
✉️ [email protected]

🔗 Link in bio for your FREE mortgage review today.

08/20/2026

🏠✨ CAN YOU AFFORD THIS HOME? ✨🏠

7028 205th Street, Langley, BC
$1,625,000 + GST*
Listed by Josh Brar, Tyler Johal & Sunny Tutt

🔗 See the listing here👇
https://www.realtor.ca/real-estate/30147222/7028-205-street-langley

Swipe to see what it actually takes to own this one 👉

✅ 20% Down Payment: $325,000 (Minimum)

✅ 30% Down Payment: $487,500

✅ Est. Monthly Rental Income: $1,800 — helps offset your payment

✅ GST: 5% ($81,250) — pay it outright and the numbers above don’t change, or roll it into your mortgage and I’ll recalculate for you.

📞 Call me today and let’s run your numbers.

Niko Karvoz - Mortgage Broker
📱 604-780-9818
✉️ [email protected]

🔗 Link in bio for your FREE mortgage pre-approval today.

08/19/2026

07/29/2026

🏠✨ DEAL OF THE WEEK ✨🏠

They got married and received a wedding gift from their parents.
Most people would spend it — vacations, upgrades, “fun.”

They asked me one question: “How do we use this to build our future?”

📞 One conversation to map out their first home purchase
✅ 15+ properties viewed until we found “the one”
🔑 Keys in hand — 30 days from offer to possession

✅ $46,495 Saved on GST — First-Time Buyer Rebate
✅ A-Lender Secured at a Low Interest Rate
✅ $234K Line of Credit Unlocked for Future Investments
✅ 3.99% Fixed Rate

⏱ Wedding Gift → First Home → Financial Foundation

Your first home doesn’t have to be overwhelming.
It just means you need the right mortgage broker in your corner.

📩 DM “READY”
📱 604-780-9818
✉️ [email protected]

🔗 Link in bio for your FREE mortgage pre-approval today.

07/21/2026

Struggling to qualify for a mortgage?

💡A co-signer might be your solution!

Find out how choosing the right co-signer can make all the difference.

💬 Got questions? Feel free to reach out anytime!

📞 604.780.9818
📧 [email protected]
🌐 www.nikokarvoz.com

🔗 Tap the link in bio to get pre-approved — takes 60 seconds, and I’ll personally call you the same day.