So you are thinking of buying a house
in BC? An extremely good idea! It is a beautiful province
and buying a house in British Columbia is a great long
term investment for a BC first time homebuyer.
I would like to introduce myself,
my name is Gregory Stanley - your personal BC mortgage
broker with the professional designation of an Accredited
Mortgage Professional (AMP). I am also a Certified Financial
Planner (CFP) which makes me rather unique in the Canadian
mortgage industry. I have over 20 years experience in
the financial services industry and I am considered a
BC mortgage expert - and a national expert in the Canadian
lending marketplace. I pride myself in finding the best
and lowest rate BC mortgage for all my clients. My mission
statement ‘my first interests are in your best
interests’ has served my clients - and me - well
over the years.
Without a doubt I can tell you
that buying a house is a solid investment that is difficult
to match - anywhere. There are a few reasons to jump
into the BC housing marketing and obtaining the best
BC mortgage or mortgage British Columbia first time homebuyers
loan. One, any capital gains accrue tax free as long
as the house is your principal residence. Any profit
is yours to keep - 100% tax free. This feature alone
makes obtaining a BC mortgage first time homebuyers loan
and buying a home in British Columbia second to none.
You can jump into a purchase with as little as just 5%
down payment to purchase a home - and for some purchasers
with excellent credit you can buy for zero down. Just
imagine a 100% financed BC mortgage. No money down! Another
reason? You have to live somewhere. So instead of throwing
money away into rent you may as well pay towards owing
your own house. Forget about the pride of ownership.
Forget about the peace of mind of being able to decorate
anyway you wish…or the security in knowing that
you can live in a place for as long as you wish to -
on your time table and not a landlords. And finally let
us forget about the fact that you can make profits in
BC real estate - as many BC first time homebuyers have
done in the last 8 years. Forget all this. And just think
worse case scenario. Assume you buy a BC home and obtain
a 25 year BC mortgage and then live there for twenty
five long years … and in all that time real estate
values do not even increase by one penny! Sound bad?
No! The worse thing that can happen to you is that in
25 years your BC mortgage is paid off. No more BC mortgage
payments. The rest of your life is ‘BC mortgage’ free
and ‘rent free’. And just think of all the
fun things you could do in life …golfing & travel…or
just having more cash to hang out with your loved ones
more.
As your personal BC mortgage
broker I can help you get started in your BC home purchase
by doing two things. As your personal BC mortgage broker
I am networked with ‘buyer’ real estate agents
across British Columbia. These agents are used for the
sole purpose of finding you a suitable property that
a BC lender would approve of and give you the best mortgage
British Columbia loan and to negotiate the best purchase
price for you. I have a relationship with them. They
are working with me ‘ahead of time’ understanding
my BC mortgage lending requirements for you to obtain
the best BC mortgage financing for you. I will get you
pre-approved with a BC mortgage lender. You will get
the best lowest rate BC mortgage. It is really that simple.
Closing dates are discussed ahead of time. Everything,
including negotiating purchase price, the contract of
purchase of sale agreement, is discussed with me with
the real estate agent. I am very hands on in this entire
process. This ensures in my mind that you are truly getting
the best BC home purchase deal and BC mortgage financing
deal possible.
As your personal BC mortgage
broker I will shop the BC lender marketplace for the
best and lowest BC mortgage rates. And, besides BC mortgage
rates, I will discuss the important BC mortgage provisions
that will ensure the right contractual mortgage British
Columbia terms for you and your family. There are many
options to choose from for your BC mortgage financing.
As your personal BC mortgage specialist I can assist
you in making the right choices for your BC mortgage
first time homebuyers loan.
Here are a few BC mortgage first time
homebuyers tips for using a RRSP as a downpayment for a
BC mortgage:
