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and Enthusiast Your new home doesn't come with advice. But I do. Contact me today.

When it comes to your mortgage, it is important to make sure you get the home you really want, with flexible financing solutions that are right for you.

Fall in Vancouver 🍂 Let’s play this or that.Rainy morning coffee or crisp evening walk?Pumpkin patch or farmers market?C...
09/30/2026

Fall in Vancouver 🍂 Let’s play this or that.

Rainy morning coffee or crisp evening walk?
Pumpkin patch or farmers market?
Cozy condo or house with a fireplace?
Fall hike or Sunday on the couch?
Gastown or Granville Island?
Halloween or Thanksgiving?

Drop your picks below!

Today is a day to reflect, to learn, and to listen.On the National Day for Truth and Reconciliation, we honour the child...
09/30/2026

Today is a day to reflect, to learn, and to listen.

On the National Day for Truth and Reconciliation, we honour the children who never returned home, the Survivors of residential schools, their families, and their communities.

Reconciliation begins with understanding our shared history, acknowledging its lasting impacts, and respecting the voices, cultures, traditions, and contributions of Indigenous Peoples across Canada.

Today, we encourage everyone to take time to listen, learn and reflect — and to consider the role each of us can play in moving forward with greater understanding and respect.

🧡 Every Child Matters.

IndigenousPeoples

Fixed or variable?Instead of asking which one is better, ask which one fits you better.A fixed rate offers more predicta...
09/28/2026

Fixed or variable?

Instead of asking which one is better, ask which one fits you better.

A fixed rate offers more predictability, which can be appealing if you like knowing what to expect from your mortgage payments.

A variable rate can change as rates move, which means you need to be comfortable with some uncertainty along the way.

But your decision should also consider your future plans, budget, risk tolerance, and the terms attached to the mortgage.

There isn’t one option that’s right for every borrower.

The goal is to choose based on your situation, not whatever happens to be getting the most attention in the headlines.

A lot happens between submitting a mortgage application and getting the final approval.Behind the scenes, I’m reviewing ...
09/25/2026

A lot happens between submitting a mortgage application and getting the final approval.

Behind the scenes, I’m reviewing your financial picture, gathering and checking documents, comparing lender options, communicating with lenders, working through conditions, and making sure things continue moving toward closing.

And if something unexpected comes up, I’m there to help figure out the next step.

You might only see a few emails or phone calls.

There’s usually a whole lot more happening in the background.

Your down payment isn’t the only amount you need to have saved when buying a home.There are a few additional costs that ...
09/23/2026

Your down payment isn’t the only amount you need to have saved when buying a home.

There are a few additional costs that can be easy to overlook, including:

• Legal fees
• Home inspection
• Appraisal fees, when required
• Property transfer tax, if applicable
• Moving expenses
• Adjustments for property taxes or strata fees

And once you get the keys, having some savings left for repairs, furniture, and unexpected expenses can make the transition a lot easier.

The purchase price is only one part of your homebuying budget.

Planning for the rest ahead of time means fewer surprises when it’s time to close.

FAQ: Can I get a mortgage if I’m self-employed?Yes.Being self-employed doesn’t mean you can’t qualify for a mortgage, bu...
09/21/2026

FAQ: Can I get a mortgage if I’m self-employed?

Yes.

Being self-employed doesn’t mean you can’t qualify for a mortgage, but proving your income can look different than it does for someone receiving a regular paycheque.

Depending on your situation, lenders may want to see tax documents, Notices of Assessment, business financials, or other documentation to understand your income.

There are also different lending options available depending on how your business and income are structured.

If you’re self-employed and thinking about buying, starting the conversation early can give you time to understand exactly what you’ll need.

It’s easy to compare mortgages based on one number: the rate.But the lowest rate doesn’t automatically mean the best mor...
09/18/2026

It’s easy to compare mortgages based on one number: the rate.

But the lowest rate doesn’t automatically mean the best mortgage.

Prepayment privileges, penalties, portability, restrictions, and other terms can make a big difference over the life of your mortgage, especially if your plans change.

Saving a little on your rate may not mean much if getting out of that mortgage later ends up costing you significantly more.

The rate matters.

So does everything that comes with it.

🏡 Stay, sell… or access your home equity?As we get older, the role our home plays in our lives can change.For some, down...
09/16/2026

🏡 Stay, sell… or access your home equity?

As we get older, the role our home plays in our lives can change.

For some, downsizing makes sense. For others, staying in the home and community they love is exactly where they want to be.

And if you’ve built significant equity, there may be another option: using some of that equity to create greater financial flexibility while remaining in your home.

It could help with renovations, monthly cash flow, unexpected expenses, helping family—or simply enjoying more of what you’ve worked so hard to build.

There’s no one-size-fits-all answer.

Stay. Sell. Access equity.
The first step is simply understanding your options.

If you—or your parents—are starting to have this conversation, let’s talk.

Jeff Fraser | Senior Mortgage Advisor
đź“ž 604-340-1809
✉️ [email protected]

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West Vancouver, BC

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