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Expert Service. We are licensed and experienced mortgage brokers who deliver top-notch results. Competitive Rates. We secure the best products from 20+ lenders. Bank Says No? We offer the greatest chance of approval with many alternative options. Access Home Equity. Get cash or consolidate debt by using the value of your property. It’s Easy. We work hard to make it seamless for you.
Our core focus is residential home purchases, refinances, and home equity loans.
Luxury mortgages. We specialize in providing luxury mortgage solutions ($500k+) in the high-end major centres with all the features you want. We partner with top quality lenders who offer full prepayment privileges, fantastic service, and low penalties.
Renewals. We offer no-cost switches to new lenders when your term is up for renewal. We can likely move you into a better product which makes it worth your time investment.
HELOC. A home equity line of credit can be very useful and set up alongside your 1st mortgage. As you pay down your regular mortgage, the limit on the HELOC increases, which gives you flexibility to use this equity without having to refinance later.
Mortgage Protection Plan. It’s recommended you obtain life and disability insurance to protect your family and home. Insurance is less expensive for younger applicants, so it’s good to take advantage of the lower costs. Manulife (MPP), the #1 mortgage insurance provider, offers fully portable coverage that’s not tied to a specific lender. MPP offers a full money back return within 60 days, and you can cancel at anytime. The premiums stay the same for as long as you have the mortgage.
New Immigrants. It’s no surprise that many new residents to Canada buy property. North America has attracted immigrants for a long time with the promise of land and opportunity. These new homeowners have proven to be very reliable and stable clients for lenders. As a result, there are specific programs available to newcomers.
Investment properties. Rental properties can be purchased with 20% down and sufficient personal income to make the numbers to work.
Pre-Approvals. It is important to get a pre-qualified before shopping for a home. A fully underwritten approval takes place once you have entered into a purchase contract.
First time buyers. The majority of first-time buyers are choosing to work with mortgage brokers over their banks. Buying your first home is relatively straightforward as long as you can show income and have established credit with a minimal down payment.
Self-Employed. Being self-employed has advantages and challenges. It’s best to show 2 years of business history with documentation such as T1 generals, NOA’s, and corporate financials.
Construction Loans. We offer construction mortgages through various private lenders and mortgage companies. It’s important to have enough cash flow to cover the cost of land and initial stages of construction. Higher rates and fees apply to these short-term loans, and we can often approve deals that the bank has declined. Once the construction is complete we can move you back into a more traditional mortgage.
Commercial Mortgages. Vivid can get mortgage options on various types of commercial properties.
Investments. We offer mortgage fund investments to those looking for a lucrative and secure way to grow your RRSP, TFSA or cash account. The funds offer monthly distributions and are generally more stable than stocks.
Mortgage Services and Options - Refinance Purchase Renew Vancouver
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Whether you are looking at buying a home or thinking of a refinance, let us do the work for you.