Each Office Independently Owned & Operated
Posted by: Gavin Toor
Purchasing a business, refinancing commercial property, or financing expansion can be an exciting step — but it’s also a complex one. Unlike residential mortgages, commercial financing involves stricter requirements, more paperwork, and often much higher stakes. Many business owners and investors don’t realize they have options outside of walking into a bank and hoping for […]
Read MorePosted by: Gavin Toor
When your mortgage term comes to an end, it’s easy to assume that accepting your bank’s renewal offer is the simplest route. But in today’s changing rate environment, that could be a costly mistake. Your mortgage renewal is not just paperwork — it’s an opportunity to realign your financing with your financial goals and potentially […]
Read MorePosted by: Gavin Toor
The Bank of Canada has officially announced a rate cut, and for first-time homebuyers in the Lower Mainland, this news could make a real difference in your home buying journey. While the headlines focus on the big-picture economy, what matters most to you is how this decision affects your mortgage qualification, borrowing power, and monthly […]
Read MorePosted by: Gavin Toor
If you’re planning to buy a business, expand operations, or improve cash flow, understanding how business financing in Canada works is essential. Unlike residential mortgages, business loans are customized to the company’s financials, industry, and growth plans. In this guide, we’ll cover the basics of how business financing works, the types of loans available, and […]
Read MorePosted by: Gavin Toor
If you’re planning to buy a home in British Columbia, one of the first questions you’ll ask is: 👉 How much do I need for a down payment? The rules for minimum down payments in Canada recently changed, and it’s important to know exactly where you stand. Whether you’re a first-time homebuyer in BC, upgrading, […]
Read MorePosted by: Gavin Toor
Quick Overview A CMHC-insured mortgage is a type of home loan in Canada that lets you buy with as little as 5% down. Backed by the Canada Mortgage and Housing Corporation, it protects lenders against default, which often means better mortgage rates for buyers. While it helps first-time buyers enter the market sooner, it comes […]
Read MorePosted by: Gavin Toor
How Self-Employed Borrowers Can Qualify for a Mortgage By Gavin Toor — Mortgage Broker, Volterra Capital Corp. Why Getting a Mortgage is Different for Self-Employed Borrowers If you’re a business owner, freelancer, contractor, or incorporated professional, qualifying for a mortgage can feel more complicated than it is for salaried employees. While self-employment gives you freedom, […]
Read MorePosted by: Gavin Toor
First-Time Home Buyer Guide: Step-by-Step to Owning Your First Home in Surrey, Langley & Burnaby By Gavin Toor — Mortgage Broker, Volterra Capital Corp. Why First-Time Buyers Need a Step-by-Step Plan Buying your first home in Surrey, Langley, or Burnaby is exciting — but it can also feel overwhelming. There are new terms to learn, […]
Read MorePosted by: Gavin Toor
The 90-Day Pre-Completion Mortgage Checklist How to Secure Your Mortgage Before Your Presale Condo or Townhouse Completes in Surrey, Langley, or Burnaby What Is a Pre-Completion Mortgage and Why It Matters If you purchased a presale condo or townhouse in Surrey, Langley, or Burnaby 1–3 years ago, your completion date might be approaching soon. This […]
Read More