Knowledge Box

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Tighter Mortgage Underwriting Standards in Canada, now impacting uninsured mortgages

changes happening to mortgages in British Columbia

Part1. There are options available still. Don’t be frightened by the mortgage rule changes.

Options available to homebuyers after Jan 1st, 2018

Part 2. There are Options Available Still. Purchase Plus Home Improvements Financing

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Part 3. There are still options available. Alternative Mortgages (B Lending)

Credit Score

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  • What is credit score?
  • How to check credit score?
  • How to improve credit score?

Down Payment

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  • All financial institutes (Banks, Credit unions and private lenders) like to have proof of the down payment and know history of the origin.

First Time Home Buyer

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  • The Home Processing Chart
  • Basic Mortgage Concepts 
  • BC Mortgage Insurance 
  • BC Tax Exemption 

Your Home Equity

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Using your home equity can help you invest further in your life, and can increase the value of your assets if used productively. Love The Mortgage in Vancouver original.

Knowledge box in Vancouver


Flipping Houses

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  • Whether it’s to enhance the property you’re going to live in, or if you’re looking to make a profit from transforming a home and selling it, becoming a fixer-upper has many benefits.


Pre-Approval vs Pre-Qualification

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  • These two terms are easily confused with one another when it comes to obtaining mortgage rates, there is a big difference between them.

Mortgage Charge on Title

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  • There are two ways of registering mortgage loan by lender. know them before obtaining your mortgage.

Protect Yourself Against Fraud

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  • Mortgage fraud is a serious offence. It can occurs intentionally or unintentionally. 

Buy vs Rent

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  • There are advantages to both renting and owning a home. Make sure you understand the benefits and responsibilities of each before you decide what’s right for you. 

Knowledgebox

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  • More to come

Mortgage Broker vs Bank

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  • ​​The  market place has a wide range of options, many that you may never learn about without an educated and dedicated mortgage broker. 


useful Links

Canada Revenue Agency

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  • Online access to track your refund, view or change your return, check your benefits. and Access your Notice of Assessment or reassessment online.

BC Home Owner Mortgage

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  • BC Home Owner Mortgage and Equity Partnership (BC HOME Partnership) assists residents of British Columbia who are eligible first-time homebuyers by providing repayable down payment assistance loans.

Upfront Cost (Closing Cost)

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  • You will need to plan ahead to cover the many up-front costs of buying a home.

Presale Cross Reference List

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  • Before deciding to buy a new home in a presale transaction, a buyer should do their homework and feel totally comfortable  


     

BC Assessment

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  • Online service that provides easy access to property information about properties across British Columbia 

BC Property Tax

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  • Annual Property Tax
  • Property Transfer Tax
  • Forms & Publications 

CMHC New To Canada Portal

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  • CMHC provide you with housing information to help you make decisions and find a safe, affordable home for your family.

Property Tax by Municipality

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  • List of the Greater Vancouver municipalities that have an online access. This is a great resource to find out property tax or property details. 

Buzzbuzz home

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  • Search new construction properties in North America 

Padmapper

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  • Find the perfect rental on PadMapper, with over one million apartments, condos, houses, and sublets for rent from many different websites. 

Canada Child Career Benefit

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  • Overview
  • How to apply 
  • Before you apply & After you apply
  • How we calculate your CCB

Vancouver Empty Homes Tax

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  • The Empty Homes Tax will be applied annually, with the first tax year beginning on January 1, 2017.


Realtor.ca

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  • REALTOR.ca is Canada's most popular and trusted real estate platform displaying residential and commercial listings

CMHC Housing Market Information Portal

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  • CMHC provides the housing industry and consumers with the latest ... Housing market intelligence you can count on

Market at a Glance

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  • These charts provide year-to-date information on the pace of MLS® home sales for the province.

BC Land & Title Records

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  • BC’s land title register is maintained by the LTSA and contains records dealing with titled land.



VanMap

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VanMap lets you see:

  • Property lines and assessed values
  • Aerial photos and zoning districts
  • Community amenities and services
  • Water and sewer utilities
  • Traffic counts
  • And much more

VANCOUVER ZONING & DEVELOPMENT BYLAW

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  • The City of Vancouver is divided into many zoning districts. Each zoning district has a corresponding district schedule in the Zoning and Development By-law.

Contact ME TODAY!

ALI MOGHTADERI BSc., M.B.A

CELL : (778) 840-0102

E-MAIL ME

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