Tag Archive for: Vancouver Mortgage Broker

High Standards

Whether personally or professionally, something that you should never ever do is to compromise your high standards. Not for friends, family, a neighbour, an old school friend or a potentially high commission. Once broken it is a slippery slope and if you do it for one then now you have to do it for everyone.

You have developed and maintained a high level of standards to a reason. You’re a professional and your reputation with your current and future clients is the life blood of your business. This is exactly how I feel and why I felt it was necessary to lose a file than have to make a concession for the standards on how I operate my business.

Today I am thankful for the good friends who have offered to help my daughter with a technical issue, an amazing handy man who came over at very short notice for some projects at our house and Sunday morning bacon for breakfast.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Parity

par·​i·​ty | \ ˈper-ə-tē  , ˈpa-rə- \plural parities

Definition of parity

 : the quality or state of being equal or equivalent

Women have fought for parity with men in the workplace.

This is the topic of the day as we have reached the point where the fixed rates and the variable rates have reached parity. With the many increases to the Bank of Canada overnight lending rate, this has now given us a prime rate of 5.45. With the available discounts to prime of between prime -.55 to prime -.90 this takes us to pretty much parity with the fixed rate.

That being said you will still need to consider the various pro’s and con’s of each product before you make your final decision of where you want to go. Here are a few things to keep in mind.

The benefit of the fixed rate right now is that your payment will not change over the term (1-5 years) of your loan. The potential downside is a higher penalty if you were to break it prior to maturity. As for the variable rate, right now you are starting off pretty much the same as the fixed and it only comes with a 3 month interest penalty if you break it. However the downside is the talk from the Bank of Canada is that they are not done with the rate increases. At the end of the day pick the product that you are most comfortable with after seeing both sides.

Today I am thankful for a long bike ride with my friends this morning, deer on my lawn at 6am to eat the fallen apples and my wife’s eye for home decor deals.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Friends & Flowers

I come from a big extended Cape Breton family, and growing up almost every weekend we would have some members of the family over to visit. You see my Mom was the glue for the family and they all flocked to her as she was a great listener and since we had a big house in the country the rest of the family used us as their vacation spot. Which was fine with us as we got to hang out with our cousins.

Brest cancer took my Mom 17 years ago on the 9th of Sept. This is the main reason I am doing the ride for cancer. So hopefully the funds that we raise will allow someone’s Mom to fight a little longer or possibly receive the cure or treatment that is needed. You can sponsor me here.

After Mom passed away we all got busy with our lives as most of us had young children at the time. However since the pandemic and that most of our kids are now grown up and at University or started their careers, we have had the opportunity to reconnect. Which brought me back to thinking of my Mom who would gather friends & family like flowers and cultivate the relationships over her lifetime. This is because the true joys of life are not the new TV, latest phone or fancy car but the deep connections that we develop with friends & family. If your Mom is still with you then give her a hug for me.

“Don’t walk in front of me… I may not follow
Don’t walk behind me… I may not lead
Walk beside me… just be my friend”
― Albert Camus

Today I am thankful for the great conversations I have with my brothers and cousins every Friday morning, a short hill run even when I didn’t want to do it and the completion of the renovations at my home.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Preconceived Limits

We all have preconceived limits to our abilities. Who put your limits in place, your family, friends, teachers, employers, coaches or heaven forbid yourself. You are capable of so much more than you could ever imagine. It is when you are able to finely push past them that you truly discover what you are really made of.

The first step is to believe that you can do it and then follow it up with massive action and persistence until you have achieved your goal. I have been inspired to write this as a personal testament of what is happening with me. You see I have been running for years. Normally my pace was in the high 4’s low 5’s per KM. I ran much less often over the past winter and when I started up again in the spring I was averaging at the best 5:25. So I thought that’s it I might as well get used to it as I am never going to improve. That all changed when I started to run with a new neighbour who happens to be 20 years younger and 3 inches taller. So this week I finally over came my preconceived limits and am now back to consistently running in the high 4’s for the 1st time in years.

What are you not achieving because you don’t think that you can do it? The world is littered with people who have given up before they were able to achieve their objective. Don’t think that you will ever be able to afford a home. Start saving now so you can make that happen. Take advantage of credit monitoring services to make sure that your credit is perfect when the time is right and use budgeting tools like YNAB so you can finely take control of your money instead of it being in control of you. Almost anything is truly possible if you really believe in it strongly enough.

“f you always put limits on what you can do, physical or anything else, it’ll spread over into the rest of your life. It’ll spread into your work, into your morality, into your entire being. There are no limits. There are plateaus, but you must not stay there, you must go beyond them. If it kills you, it kills you. A man must constantly exceed his level.” Bruce Lee

Today I am thankful for the morning run that pushed me past my preconceived limits, the great books I have been discovering lately and the cool almost fall like morning which made it perfect for outside activities.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Higher Standard

If you want to achieve anything noteworthy in life then you must begin to hold yourself to a higher standard. Doing things as you have always done will only get you the same results or lack thereof. Don’t even think for one second that’s it is impossible due to external people or events in your life. Events and people happen to everyone, both good and bad. What you are ultimately responsible for is your attitude or reaction to those external events. Nobody can tell you how to respond but you.

Doctor’s, Lawyer’s, Accountant’s, Engineer’s & Business Owners also come from lower economic area’s as well as higher ones. You are only limited by your thinking and the actions that you take. So if you want to achieve great things, then focus all your thoughts and actions on moving in that direction. Anything that doesn’t serve you in helping you achieve that goal, then cut it out.

Get up early, put in the effort, read the books, go to the classes, do the homework, make the calls. Whatever it takes to move you in the direction of your goals.

“Keep your eyes on the stars, and your feet on the ground”. Theodore Roosevelt

Today I am thankful for the fact that our reno’s will be complete today, the daughter I worried about the most is throughly enjoying her university experience and great conversations with my referral network.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

My promise to you

My promise to you as your mortgage broker is that I will bring more value to you during your transaction than anyone else in the marketplace. I can say this as I have been in this business for 20 years and have assisted clients funding a wide range of transactions. Everything from AAA credit clients, Alternative lending, private mortgages and large commercial multi residential mortgages.

Sure other brokers or lenders may offer you a slightly lower rate ( but not always). However remember what is priceless in this process is getting the seasoned advice rather than someone who is just chasing a commission. The commission is the reward for a job well done, and my primary role is to secure the financing for you that suits your requirements. I work for you, not a large national brokerage house or any of the lenders. I believe in a fiduciary responsibility which means that I work only for your best interest.

If I am not helping you with your mortgage, then you are paying too much and not really being valued.

Today I am thankful for the amazing run I had this morning, the amazing people I get to work with who put their trust in me and the ability to look for solutions where others only see problems.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Worth it

This is your reminder that if your goals are big enough that they will not be easy to achieve but they certainly will be worth it. So don’t stop trying and working at it whenever you encounter a set back.

Today I am thankful that the repair work in my home is almost complete, that I never gave up when I received the first no from the insurance company and for a great run home after dropping off my truck to get serviced

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Open House Day

Well today is Sunday and for those in the market for a house this is also known as Open House Day. If you haven’t already, please make sure that you are pre approved before you put in your first offer as it makes the process so much easier for everyone involved.

I’ve made an addition to my website this week that should help you when and if you need to run some numbers on the house you just saw. Just click on calculators on the top of this page and pick the one that’s appropriate for your situation, if you’re buying then it’s this one. There is a better version that will give you a native app on your phone, to get that just go down to the p.s.s.s section and click on the mortgage app and it will you allow you to download the incredible calculator for your phone.

Did you hear that there was an explosion at a fromagerie just outside of Québec city! There was de Brie everywhere. Read that again if you have to lol. 

Today I am thankful for the change in perspective that comes from a great conversation and a good book, a nice mid-day Sunday run and hearing that my girls are adapting well to university.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Healthy Obsession

Sometimes people associate the word obsession to negative behaviours or activities such as drinking, smoking, gambling or excessive shopping. However it’s possible to have healthy obsessions as well, such as personal improvement, physical fitness, career advancement, your education or success in your business.

Good healthy obsessions pull you forward towards your goals, while unhealthy ones hold you back. We have all come across those people who are driven by a higher goal or obsession and they seem to vibrate at a higher rate and just radiate energy. We all want to be around those with healthy obsessions as they will also aspire us bigger and greater things.

I was inspired to write this post as I am currently reading Grant Cardone’s book “Be obsessed or be average“. I made a commitment just over a year ago that my time away from work and family would be dedicated to reading instead of passively watching tv. So if you come across any books that you truly love then please let me know as I am always looking for my next great read.

Today I am thankful for the quote that my friend Shane shared with me that lead me to my current book, that our trip to take our girls to university in Ontario was uneventful and for our niece for coming over to help my wife wallpaper.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Insurmountable

There are many things in life that seem insurmountable when first encountered. However once you have had time to digest it, that once insurmountable task now becomes something quite achievable. This could be losing a lot of weight, getting accepted at a prestigious school, obtaining a promotion, getting your dream job, repairing a relationship or paying off a large amount of debt.

Whatever your large task is that’s in front of you, know that others have faced similar obstacles and have over come them in a short amount of time. You see that time is going to pass anyway so make the most of it and focus with laser like precision on achieving your objective. I faced what seemed like an insurmountable task last year and was able to overcome it so I know that anything is possible.

Today I am thankful for my Friday calls with family, for my neighbour getting me out for a run yesterday when I didn’t think that I could do it and for having a can do attitude for finding ways to get things done.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here