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Who Stands To Change The Industry
Purchasing a property, whether a home, cottage or an investment property can be worrisome and scary. A poor decision can leave you with losses of thousands of dollars. Our goal at CMB is to provide the best possible service by representing you and your interests in securing proper financing for your purchase.
With years of experience behind our backs we can connect you with the right lenders and rates. We work with finance companies all across the country so we have several options to offer you and we do it all with patience, plain language and your interests in mind.
Those who are about to take out a new mortgage are in need of financial advice and can benefit from our services. We are a Certified Mortgage Brokers, one of the most notable independent brokerage companies in Canada. Our brokerage boasts of a decade of experience in the industry, ensuring that your best interests will be upheld professionally.
You can save yourself from the stress of home buying as we find the lowest rates for you. We also help you with every step of your home buying process. Our experience and knowledge gives you the flexibility and freedom to own your dream home sooner than you thought. All we care about is meeting your needs accurately, quickly, and easily.
Vancouver is also a great place for business. If you are interested in investing on a commercial property here, we’ll be glad to assist you as well.
Whether you’re in the market for residential or commercial property, you can count on us to give you the lowest rates and expert advice to guide you in achieving your goals. Give us a call so we can show you how.
We will go out of our way to get you the most competitive mortgage rates in Vancouver.
There are many mortgage brokers in Vancouver, but CMB will get you rates that other brokers can’t.
We will give you the best mortgage deal because we have your interests at heart.
We are always available whenever you call us. Your calls will not go unanswered, and neither will we send you to voicemail.
Consolidate your mortgages and refinance with our help. We promise to work on your refinancing with the same speed and diligence as a start-up new mortgage. Feel free to call us for fast, professional, and top-notch mortgage services.
Give yourself and your family the privilege of living in your own home. We help you find the absolute lowest rates in Vancouver’s real estate market so that you can easily get a residential mortgage that suits your budget.
Create a booming business in lively Vancouver with a commercial property of your own. We’ll ensure that your commercial mortgage process is handled efficiently and quickly, so you can focus on growing your business and nothing else.
Mortgage brokers like us can help you find a lender with low rates so that you won’t have to spend too much to get what you want. Here at Certified Mortgage Broker, we provide you with valuable services in order to keep up with your property needs here in Vancouver.
First Time Buyers
Mortgage Refinancing
Mortgage Renewals
Private Mortgage
Second Mortgage
Self-Employed (Mortgages)
Construction Financing
HELOCMost people feel excited about owning their first home. There are a number of reasons why you feel so proud to own a home. Owning a home can give you a sense of stability and security since you know you have a place to call your own. It can also be a symbol of achievement and independence, as buying a home is often seen as a major milestone in life. Additionally, owning a home can provide financial benefits, like building equity over time and potentially increasing value.
A mortgage makes it easier to own a home by providing a way to finance the purchase over time. With a mortgage, you can obtain a large sum of money upfront to buy a home and then pay it back gradually over a period of years.
However, it’s important to keep in mind that taking out a mortgage also comes with certain responsibilities and risks. You need to make sure you can afford the monthly mortgage payments, which can be a significant financial commitment. You also need to understand the terms and conditions of your mortgage, like the interest rate, repayment schedule, and any penalties for late payments or early repayment.
The good news is that with the help of a mortgage broker, you do not need to worry about navigating the complex mortgage process. A mortgage broker helps you understand the exact mortgage you qualify for. Mortgage brokers have a large network of lenders, making them better placed to source the right mortgage for you. Making the right mortgage choice could save you a significant amount of money in the future.
...pick the one thats right for you.
starting from
6.45%| Term | Rate |
|---|---|
| HELOC | 7.2% (Prime rate) |
| Lender | Rate | Term |
|---|---|---|
 Lendwise |
5.39% | 5 year |
 First National Financial |
5.59% | 4 year |
 RMG Mortgages |
5.89% | 3 year |
 Street Capital Bank |
6.14% | 2 year |
 TD Bank |
6.44% | 1 year |
| Term | Rate |
|---|---|
| 5 year variable | 6% (Prime - 1.2%) |
| 3 year variable | 6.1% (Prime - 1.1%) |
| Term | Rate |
|---|---|
| Line of Credit | Starting at 3.00% |
| Equity Loans | Starting at 5.99% |
| Private Mortgages | Starting at 4.99% |
FAQs About Your Vancouver Mortgage
A mortgage is a loan that is used to purchase a property, such as a house or a condo. The property being purchased serves as collateral for the loan, meaning that if the borrower is unable to pay back the loan, the lender can repossess the property and sell it to recoup the outstanding debt.
The amount of the mortgage is determined by several factors, including the value of the property, the borrower’s income and credit history, and the amount of the down payment (the portion of the purchase price that the borrower pays upfront). The interest rate on the mortgage is also determined by these factors, with borrowers who have higher credit scores and larger down payments generally qualifying for lower interest rates.
In Canada, there are two main types of mortgage repayment plans: open and closed.
An open mortgage is a type of mortgage that allows the borrower to repay the mortgage in full or in part at any time without penalty. Open mortgages tend to have higher interest rates than closed mortgages because the lender is taking on more risk by allowing the borrower to make prepayments without penalty. Open mortgages are typically best suited for borrowers who plan to sell their homes in the near future or who expect to receive a lump sum of money that they can use to pay down their mortgage.
A closed mortgage, on the other hand, is a type of mortgage that has restrictions on prepayment options. With a closed mortgage, the borrower is usually only allowed to make prepayments up to a certain amount each year without incurring a penalty. Closed mortgages tend to have lower interest rates than open mortgages because the lender is taking on less risk, but they are also less flexible. Closed mortgages are typically best suited for borrowers who do not anticipate making significant prepayments on their mortgage.
A pre-approved mortgage in Canada has several benefits, including the following:
Knowing your budget: With a pre-approved mortgage, you’ll know exactly how much you can afford to spend on a home. This can help you narrow down your search and focus on homes within your price range.
Locking in interest rates: A pre-approved mortgage usually includes a rate guarantee that locks in your interest rate for a set period. This can protect you from rate increases while you search for a home.
Making offers with confidence: Having a pre-approved mortgage gives you an advantage in a competitive housing market. You’ll be able to make an offer with confidence, knowing that you have financing in place.
Speeding up the mortgage process: Because much of the paperwork is already done, a pre-approved mortgage can speed up the mortgage process once you’ve found a home you want to purchase.
Negotiating power: With a pre-approved mortgage, you have more negotiating power with the seller, as they know you’re a serious buyer who has already taken the necessary steps to secure financing.
A pre-approved mortgage can save you time, money, and stress when buying a home in Canada.
Whether fixed or variable rates are better for you in Canada depends on your individual financial situation and your risk tolerance. Here are some factors to consider:
Fixed Rate Mortgages:
Variable Rate Mortgages:
If you are risk-averse, a fixed-rate mortgage may be the better option for you. However, if you are comfortable with some risk, a variable-rate mortgage may be the better option.
A down payment refers to the money you pay for real estate property. This money is paid upfront, and the rest of the cost of your new home is covered by your mortgage. For properties that cost up to $500,000, the minimum down payment in Canada is 5% – however, do take note that your lender may sometimes require a higher down payment. But what if the cost of the property is more than $500,000? If that is the case, then the interest is 5% for the first $500,000 and then 10% for the remainder of the cost.
Closing costs are the expenses incurred when finalizing the purchase of a home with a mortgage. In Canada, closing costs can vary depending on the province or territory in which the property is located, but some common expenses include the following:
Legal Fees: You’ll need a real estate lawyer to handle the legal aspects of the purchase.
Title Insurance: This protects you against any defects or claims against the property’s title.
Home Inspection: A home inspection is recommended to identify any potential issues with the property.
Appraisal: Your lender may require an appraisal of the property’s value.
Land Transfer Taxes: This tax varies depending on the province or territory in which the property is located.
When finalizing a mortgage in Canada, you will need to provide a number of documents to your lender and/or lawyer:
Here are some important terms to know when closing a mortgage in Canada:
Getting a private mortgage was not easy to be honest, but at least with Mr. Leon it was doable. Thank you for your help!
There are a lot of mortgage brokers in toronto to choose from, I was a bit intimidated by that. Don't regret I picked CMB, they took the lead and made sure to cover all the bases
I was renting an apartment for a long time and finally decided to take a big step - get a mortgage instead. Team at certified Mortgage Brokers laid out various options for me. The actual process went smooth and quick, happy with my new home.
My wife and I decided to refinance our mortgage and started looking for a mortgage broker in Toronto. There were so many options, so you can imagine how overwhelmed we got! After talking to Leon we decided to proceed with Certified, didn't regret that decision once. They always gave useful recommendations, were attentive, and constantly in touch. And most importantly (for us) they helped us to save some money!!
Vita was great. Helped my son with all the paperwork and got him very good interest rate. On the closing date called to follow up if everything went fine. Quite a pleasant experience. I would recommend this firm for anyone who is looking a mortgage broker.
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