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  • With close 20 years in the mortgage industry, and a consultative touch, Nishka makes the entire process smooth and easy.


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A new approach to Residential Mortgage Financing…

 

With over 15 years of experience with Canada’s oldest chartered bank, and over 1500 residential mortgages funded, Nishka has the experience to help you through any situation.
Nishka’s team has a consultative approach to figuring out your mortgage needs.  From the initial meeting all the way through to signing with the lawyer, you will have the comfort and peace of mind knowing that your financing needs have been developed to meet your specific financial situation.
Come find out why clients call Nishka their Mortgage Advisor and  experience the difference of having Personalized Mortgage Solutions That Work For You.

 

Here is a sample of just some of the lenders that Nishka has access to…

MCAPPublicLogo     Scotiabank    fg-td-logo   FirstNational   Screen Shot 2014-03-03 at 7.39.13 PMHomeTrust   NationalBank    mastheadlogo   newsfeed57

….  And that is just the beginning !

What Best Describes Your Mortgage Need?

We want to access the equity in our home

Do we renovate? Do we buy a vacation home?  Do we package up our debt and add it to our mortgage? Using your home equity doesn’t have to be expensive.    From re-organizing debts to parents helping their children buy homes, draw upon Nishka’s collective experience from dealing with every possible financing scenario over the past 15 years.

Don’t forget to use Nishka’s “Connections” page to harness the “Power of Who” if you are renovating!

 

“Nishka has been our mortgage advisor for many years. While we have always valued her experience, excellent customer service, and advice in providing financing solutions, it wasn’t until we started our major renovation that we got to see how extensive her knowledge really is. Not only did Nishka recommend over 10 trades people to us, she also came to our home and shared some of her personal experiences, offering ideas from several of her projects on her past homes. She also drew upon the collective experiences that her clients have been through, some of which are property developers.

Working with someone who is “battle tested” has given my wife and I a huge level of comfort as we take the leap into this massive undertaking!”

– Leonard and Liana Cox – North Vancouver

 

We are real estate investors

As a real estate investor you want a mortgage advisor with experience.  In addition to structuring mortgage financing deals for over 15 years, Nishka is also an active real estate investor herself.  Having bought and sold close to 10 properties in the past 10 years, Nishka understands how real estate in the Vancouver area is an integral part of building wealth.  With over 50 lenders at her disposal, Nishka can find the funds to “do the deal” and structure it in a tax efficient manner.

 

“We used Nishka’s services on two occasions. Excellent service from start to end. She answered all our questions immediately. It was a pleasure to deal with someone so efficient and professional. She made a confusing process seem easy.”

– Robert and Kasia

 

We are selling our home and buying another one

How exciting!  After driving around town, visiting a million open houses over countless Saturday’s, you are ready to make an offer.   Or maybe it’s just the opposite! The house that you have always found an excuse to drive by now has a For Sale sign!  Suddenly the traffic on the street seems much more than usual; you know you are going to have to go into a multiple offer situation to get this one!

This is where Nishka shines!  In either situation you need a mortgage advisor who can act fast to get you an approval with the right lender so you can remove that “subject to financing clause” ASAP!

Buying a house and securing financing is a very stressful experience, however, through working with Nishka, the process was surprisingly easy.  She was extremely helpful in explaining all the details to us.  She has years of experience and knowledge in the industry and was creative in helping us achieve our goals.  I would, without a doubt utilize her services again in the future and would recommend her to anyone looking into mortgage financing as she is one of the best at what she does!”

– John from New Westminster

“Nishka helped me realize my dream of moving into a house.  She was with me every step of my journey from condo to house and was always available to answer any questions and offer support. Thank you Nishka!”

– Angela

 

Our mortgage is coming up for maturity

You want to explore your options.  Perhaps you are tired of making appointments during “Banker’s Hours” or you would like some advice on what type of mortgage best fits with the current rate environment.  With access to over 50 lenders Nishka has the ability to find the right mortgage, with the right lender that best fits your needs.  Today’s mortgage financing landscape is very different than when you initially set up your mortgage.  Let Nishka guide you through the new government legislation and product options.

 

“Nishka listened to our financial needs and knew exactly how we should proceed to achieve our lifestyle goals. Thank you Nishka – you are amazing in every way!”
Tracy and Declan Sacre – North Vancovuer

 

We are buying our first home

How exciting!  Buying your first home is something you will remember for a life time!   Let me tell you why First Time Buyers love dealing with Nishka!

Compass™, a program available exclusively from Nishka,  allows you to harness her 20 years of experience as an Accredited Mortgage Professional.  First Time Buyers that have been through the Compass™ process, on average buy a home 50% sooner and at a 50% to 70% greater purchase price than those First Time Buyers that haven’t gone through the process. With Compass™ you will get the road map and the directions you need to get you moving into your very first home!

My wife and I were facing the exciting, but also somewhat horrifying task of purchasing our first apartment.  As first time buyers, we really didn’t know a whole lot of the ins and outs of a home purchase and about all the different types of mortgages and lenders.  Nishka made this whole process easy and as stress free as it could possibly have been.  We were referred to her by a coworker and from day one she was absolutely wonderful.  She is calm, patient, informative, extremely professional, and very easy to get ahold of if you have questions or concerns.  We would highly recommend Nishka to anyone looking for a mortgage.

– Mike and Sherri

Nishka has been an amazing resource for our first home purchase. She was professional and thorough throughout the process and secured a great rate for us quickly and efficiently. Thanks Nishka!
Ian and Elisabeth

“As first time home buyers, we didn’t know much about the mortgage process. Nishka made everything simple, was always there to answer questions, and catered to our personal needs in finding the right mortgage for us!”

Jon and Cassia

“So grateful to have Nishka help us make our dream a reality!!

I can’t speak highly enough to explain how much Nishka has helped us through the process of buying our first home. She not only helped us secure a great mortgage product with one of the best rates, but in my mind she also went way outside her job description to make the entire process comfortable for us by having such a wealth of knowledge in all areas of the home buying process. I walked into her office just to explore what it would take to get ourselves into a position where we could buy our own home and with an amazing suggestion on how we could invest in RRSP’s to maximize our tax refund and then utilize our first time home buyers program we actually turned just and idea into me sitting here now in our beautiful home writing about the experience all within 6 months. There were a lot of unknowns and really big sometimes scary decisions to be made along the way when buying our house and what I loved about working with Nishka is that she was always available to return my calls. When we were hunting for houses I think I had to call her 3 times in a row to ask different questions and not once did she ever make me feel as though I was being a bother and she always had a way of leaving me feel very comfortable and confident in what I was doing. Nishka went way above my expectations and I am so grateful to have met such a great person and I will definitely be continuing our journey with her when our mortgage term comes time for renewal. If anyone is considering buying a home or is looking to find a great mortgage I highly recommend you see Nishka to discuss your options she has made our dream come true and I really know she would be helpful to anyone who is going through the process.”

– Sarah & Jay
Very happy new homeowners!!!

“Nishka was instrumental in getting me into my dream home! She consulted actively with me throughout the entire process and was able to break down all of the steps so that I felt confident throughout. Nishka worked tirelessly, which ended up getting me into an even lower interest rate, and even kept me generally updated on trends and economic indicators. I wholeheartedly recommend her, especially for first-time buyers such as myself.”
– Sarah 

As first time home-buyers, my husband and I were referred to Nishka to help us secure a mortgage. Nishka was incredibly patient, meeting with us in person to answer all of our questions and coach us through the process. She also made sure to keep in touch regularly throughout our experience so we were aware of where things were at and what was required of us. Even when faced with unique challenges, Nishka went above and beyond in gathering additional information and providing guidance to us on how to navigate our situation. Overall, the knowledge she shared with us and her drive to get us set up with the best mortgage possible reduced our stress and made the entire process easy and straightforward. We would recommend Nishka to other first time home-buyers in a heart beat!  

-Amy and Shaun

Points of Interest!

A Mortgage Finance Blog filled with insights on real estate, renovating, books, and other things that make life so interesting!

Variable Rate Update – Waiting for “The Fed”

rate-update-sep-2016

As widely expected, the Bank of Canada (BOC) left rates unchanged today.  Some key points in Governor’s comments were: We are seeing the quantified effect on the economy from the Alberta wildfires The US economy is slowing with respect to business and real estate investment However US employment and consumer spending are holding strong As a result of the above two factors, exports are down significantly The Governor is expecting a substantial rebound in the final part of the year, however that would merely put the economy back... 

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Variable Rate Update – BOC and The Weatherman

Rate Update - July 2016

Our Variable Rate Updates are starting to sound like a broken record, and I’m not sure if they are being read at this point since they sound so repetitive, so I’m going to make this update a little more colourful. I’m beginning to believe that the Bank of Canada (BOC) is hiring weatherman to forecast the economy.  Sounds obtuse? Bear with me as I explain.  As I started my research this morning I looked back over the past few updates to look for patterns.  One that did emerge was the constant promise of a brighter sky and... 

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Variable Rate Update – Third Quarter a Charm?

Copy of Rate Update - June 2016 (1)

The Bank of Canada (BOC) left the prime rate unchanged today but the Governor is expecting growth to return in the third quarter of 2016.   The wording in the BOCs statement was mainly focused around the disruption in oil production due to the fire in Fort McMurray and the economic growth coming from the US.  The BOC continues to express its frustration with the lack of investment from businesses since the consumer can only hold up the economy for so long. Key Points From The Bank of Canada Announcement           Prime... 

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Rate Update – Waiting For The Stimulus To Take Effect

Rate Update - April 2016 (2)

The Bank of Canada (BOC) left the prime rate unchanged today citing the weakness in the global economy, the significant slack in labour production capacity and lacklustre exports.   The only economic good news on the horizon is the Federal Governments stimulus plan which the BOC is hoping will pick up the economic slack.   This meeting provided more economic information since it included the Monetary Policy Report. For a copy of the full report click here.   It’s actually a pretty easy read! Key Points From The Bank of Canada Announcement... 

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Variable Rate Update – Reaching Escape Velocity?

Any New

The Bank of Canada (BOC) left the prime rate unchanged today.  The wording of the announcement suggested that the Governor is feeling cautiously optimistic.  With the Liberal’s stimulus budget coming on March 22nd, oil prices stabilizing, the US economy trending upwards and the global economy showing signs of growing in 2017, the Governor has enough reasons to leave rates where they are. The question that economists are asking is what will it take for our economy to reach escape velocity and pull away from the gravitational force of this... 

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It just got easier to buy a home

ON NOW

New changes to brought in by the BC Minister of Finance today aim to make it easier to own a home in Vancouver. Here is an outline of the new rules: a property transfer tax exemption for Canadian citizens and permanent residents who purchase newly-built homes, condos and townhouses under $750,000.  Purchasers must live in the property for at least one year. This is a potential saving in closing costs of up to $13,000; a one percent increase in property transfer tax to three percent for homes which are sold over the... 

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First Time Home Buyers – Fast Tracked!

Buy a House - Check!

Buying your first home is not as simple as it used to be.  First time home buyers need more guidance and direction what with the increase in home prices and the changes in CMHC rules. That’s why I developed Compass™. Using the tools built into the Compass™ system, First Time Buyers get a clear sense of direction on how to achieve their home ownership goals. Below is an example of what Compass™ can do for first time home buyers. Scenario: John and Sharon Cook, (names... 

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Fixed Vs. Variable – The Tide Has Turned

Any New (2)

The Bank of Canada (BOC) left the prime rate unchanged today.  Though the economic growth is in the lower range of the bank’s 2% target range, the wording of the bank’s announcement suggests that it will wait for previous rate cuts take effect.   It’s clear that any increases in prime are off the table since the bank is expecting the economy to grow at 1.5% in 2016 and 2.5% in 2017.   Since the BOCs growth target rate is 2%, I would even speculate that 2017 might not see any rate increases.

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Variable Rate Update – Running on One Engine

Extra, Extra! Read All About it!

The Bank of Canada (BOC) left the prime rate unchanged today.  Growth in the economy is within the Bank’s 2% target range and is on track with the BOC estimates for the year.The message is clear that Canada’s economy is only running on one engine due to slumping commodity prices.  Though the declining loonie is helping to drive exports, the economy is struggling to move forward in the face of headwinds created by declining commodities.  Where will the growth come from to get Canada moving forward? The BOC still has a candle lit for the US... 

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Variable Rate Update – Post Election Edition

Extra, Extra! Read All About it!

The Bank of Canada left the prime rate unchanged today as expected.   With a new government in place and promises of stimulative spending, the BOC, assuming no dramatic changes in the economy, will likely keep prime as is for the next couple of meetings.  Key points from the meeting placed emphasis on China’s transition to a slower economy and the resulting uncertainty that it brings for commodity based economies.  The key indicators in the global economy are pointing to signs of growth returning in 2016/2017 and the US economy is... 

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Variable Rate Update – No Mention of the “R” Word From the Governor

Extra, Extra! Read All About it!

 Variable Rate Update As expected, the prime rate remained unchanged today, as the Bank of Canada waits for the previous rate cuts to take effect.  The two main take-aways from this mornings message: 1. Commodities are significantly pulling down the economy and will take sometime to sort themselves out  2. Manufacturing exports are offsetting the resulting economic drag.  As the Canadian dollar continues to decline,manufacturing will become Canada’s shining star since it will further drive the country’s... 

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Variable Rate Update – Rate Cut! Now What?

Extra, Extra! Read All About it!

The Bank of Canada reduced the prime lending rate today by 0.25%.  The decision to reduce the rate is due to the economic growth coming in well below the expectations set out in April of this year.  Factors having the biggest drag on the economy are in the commodities and oil sector, with the re-balancing in China’s economy impacting commodities.   Since the oil and commodities sectors have a significant impact on business investment, lowering the rates was the right decision even at the risk of further fueling the housing... 

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Variable Rate Update – A Tale of Two Rates

Extra, Extra! Read All About it!

 The prime lending rate was left unchanged today by the Bank of Canada, with comments stating that sufficient stimulus is being supplied to the economy, even with the recent rise of global bond yields.   There was mention that slower than expected growth in the US, a slightly strengthening Canadian Dollar, and further increases in global bond yields could cause the bank to re-evaluate the current interest rate in July. So what does this mean for your mortgage?  This is where the story of a “Tale of Two... 

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Variable Rate Update – Bank of Canada on hold…for now…

Extra, Extra! Read All About it!

The Bank of Canada left the prime rate unchanged today.  However, if you read between the lines of Mr. Poloz’s announcement and factor in what economists are saying, expect another rate cut if things don’t improve by July. The direction of the Canadian economy may not be clear at this point due to oil’s decline, however there are a lot of positive exterior influences that should get us through this rough patch. Demand for Canadian manufactured goods and commodities driven by a lower dollar and a strengthening US economy should... 

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Variable Mortgage Rate Update – Optimism on the Horizon

Extra, Extra! Read All About it!

  This morning the Bank of Canada announced that they would keep the prime rate the same, citing that inflation is within the bank’s target range of 2%.   Recently there was speculation in the financial community that rates may decrease again.  In its statement however, the bank addressed that there was no further need for stimulus given that the negative effects of cheaper oil are being offset by economic growth in exports, fuelled by a weaker dollar.   There are also signs that businesses are loosening their purse strings as business... 

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Variable Rate Update – Surprise! Happy New Year

Extra, Extra! Read All About it!

Today’s Bank of Canada announcement delivered surprising news with a 0.25% rate drop, citing concerns of the effects from oil’s sudden price drop on the economy. The dramatic drop in oil prices has created a significantly different economic picture since December’s variable rate update.  With the unexpected price decline in oil, a bitter sweet economic picture is unfolding for Canada.  While Alberta braces for significant decline in its economy, Ontario is rejoicing from oil dragging the Canadian dollar lower and the positive effect... 

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Variable Rate Update – Last Update for 2014

Extra, Extra! Read All About it!

Variable Rate Update Today’s Bank of Canada announcement delivered the same boring message, rates are not going to change.  However on the other side of the world the economic situation, which is keeping the BOC in a holding pattern, is anything but boring. For the BOC to change rates we would need to see signs of inflation in the economy, and in some cases we are.  The US economy is growing, which will eventually spill over into Canada.  The Canadian dollar is weakening, which will lead to an increase in exports.  The employment figures... 

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Variable Rate Update – Up and Down

10 Year Bond Chart

Bank of Canada Interest Rate Update It has been “interesting” time in the markets since my last update. Fixed rates looked like they were going to break out of their ultra low trend and return to 3.09% for a 5 year term, but then two weeks later they reversed course. If you look at the chart below provided by our contact at Da Vinci Capital Management, you can see that bonds tried to break out on the upside and then dove down to test new lows. Why the gyration in the rates? There are three main themes: 1. Volatility in the stock market due to... 

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Variable Rate Update – No News is Good News

Courtesy of Da Vinci Capital

Find out what the Bank of Canada announcement means to your mortgage

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Variable Rate Update – Stuck on Hold

Bank of Canada Annoucement

Bank of Canada continues to keep the prime rate the same.  Find out how it impacts your mortgage.

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Variable Rate Update

Bank of Canada Annoucement

Bank of Canada Rate Announcement June 2014 Key Points From The Bank of Canada Announcement Canada not fully participating in global growth due to strong Canadian dollar Prime to stay low in an effort to weaken the dollar Inflation still not a concern What it means to your mortgage Expect the prime rate to continue to stay low until 2015 Fixed rates still not facing any significant pressure Variable products continue to outperform Expect variable rate products to get more competitive Now is the time to secure a rate hold for purchases or maturities... 

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Uncharted Territory – Variable Rate Update

Bank of Canada Annoucement

The Bank of Canada has once again decided to leave the prime interest rate unchanged.   The Globe and Mail wrote an interesting article today on how we are about to enter the longest period that the BOC has not adjusted the prime interest rate in 60 years.   The article also talks about how when the economy does return to full capacity, interest rates will most likely continue to stay low due to the baby boomers switching from spenders to net savers.   As the article suggests, we are entering uncharted territory. Here are... 

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A Closer Look At Low Rate Mortgage Offers

Take A Closer Look

You know spring has truly arrived when BMO launches their 2.99% mortgage rate! It’s almost becoming a tradition. Last year they even had help in their marketing campaign from the Minister of Finance who berated BMO for offering such a low rate. While the hype around a 2.99% rate is hard to ignore, like any deal, you need to read the fine print before you jump in. It’s human nature to want a great deal. In fact I would argue as consumers, we have been social indoctrinated to only differentiate a mortgage by its rate. Given the amount... 

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Bank of Canada Rate Announcement – March

Bank of Canada Annoucement

Quick points from the recent meeting: Extra, Extra! Read All About it! Exports continue to remain weak There were some mention of inflationary pressures in this update Canada’s production capacity still has lots of excess to be utilized before inflationary pressures will become a factor Recent Weak economic data out of the US is mainly related to weather Here is what the recent rate announcement means to your mortgage: Given the weaker export market, its predicted prime will remain the same until 2015 Variable... 

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BC Land Transfer Tax Threshold Increased!

Extra, Extra! Read All About it!

  Great news came  for First Time Buyers from Christy Clark yesterday!  Effective February 19, 2014 the Land Transfer Did you hear?! Tax Threshold has been raised for First Time Buyers from $425,000 to $475,000.  This is incredibly great news for First Time Buyers who now save $7,500.   Click on the Land Transfer Tax Summary table to see the schedule of tax payable once you are above the 475,000 threshold. The effect on the condo market should be interesting.  Since this effectively reduces the amount of money needed by a first time... 

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Ugly is now Attractive! – Purchase Plus in Action

Reno Plans

In the 2013 CMHC Mortgage Consumer Survey there were two very interesting facts: 38% of home buyers who buy a home are planning on doing updates over $10,000 within the first year. 32% of them are planning on financing it. This is why Purchase Plus is such a great tool. It literally fits 1 out of every 3 buyers.  It is especially effective with buyers who are putting less than 20% down since the new mortgage rules don’t allow you to refinance your home for more than 80% of its value. What is Purchase Plus?  Its a deal structure available... 

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Three Things Bank of Canada announcement means to your mortgage

Bank of Canada Annoucement

The recent announcement from the Bank of Canada virtually confirmed no movement in prime until 2015.  What does that mean for your mortgage?  Below is a quick synopsis.   1. Variable rates mortgages should outperform until 2015. 2. Fixed rates mortgages are temporarily dropping on the news that the Canadian economy is not growing while the US economy is. 3. Low interest rates could lead to a continued growth in housing, which could lead to the Minister of Finance potentially intervening. If the perception of a “housing bubble”... 

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Update from TD Bank Economics Department

TD Bank

Update from TD Bank Economics Department – Data Release – by: Diana Petramala, TD Bank Economist Higher interest rates put breaks on housing demand: The Canadian housing market appears to be losing steam. Canadian home sales fell 1.8% in December, a third consecutive monthly decline. Existing home price momentum remains strong, with prices growing at a double-digit pace of 10.4% year-over-year in December. The strength in prices largely reflects tightening market conditions. The number of homes for sale on the market... 

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BC Assessments Are In – Dispute or Status Quo?

BC Legislature

By now if you own a property you have received your BC Notice of Assessment in the mail.  As usual, I am fielding a lot of questions about what to do with respect to the valuation. Do I dispute it or do I stick with the status quo? To start there is some confusion how the figure for the valuation is derived. The process used by the government is based on looking at the sales of comparable homes in your area on July 01, 2013. This is opposed to the commonly held belief that the value comes from a time that is closer to the present based on home... 

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Variable Rate Update July 2013

Bank of Canada Annoucement

  At 10:00 am EST, Wednesday July 17th, 2013, the Bank of Canada again did what we expected them to do … they continued to maintain their overnight rate.    What this means to you is that once again the prime rate on your mortgage, line of credit or student loan will not change and remains at 3.00%.  This of course is fabulous news but as always, I like to remind you to make the most of the low payments you still have as the rate will increase in the future.  If you haven’t done so already, give me a call... 

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Going Up!

Increasing Interest Rates

With interest rates making their first increase in over a year, now is the time to secure a pre-approval. The question we keep hearing from clients is “how much of an effect do rate increases have”? To answer the question we have put together two charts below. There are some interesting points that pop right off the two tables: 1. Holding off on making a purchase can decrease your purchasing power by $35,000 to $70,000 or more if your income is higher! This does not even factor in increased interest costs! 2. If you have less than 20%... 

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The Debt Crunch

The Debt Burden

With the media constantly bringing the issue front and centre and with reports that the Bank of Canada Governor is concerned with personal debt levels, I am being asked by clients more and more “do I have too much debt and how do I get out from underneath it?”

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New Mortgage Rules Impacting Business Owners

Navigating the mortgage maze

Until recently if you were self employed qualifying for a mortgage was pretty straight forward. If you could demonstrate sufficient income to support the financing request you had your choice of lenders and the best rates available to you. If your income was tough to prove or your credit bruised, you still had options available with lenders that specialize in self employed lending. As of November 1st with the introduction of B20 as it is referred to by OFSI (Office of the Superintendent of Financial Institutions) the rules have dramatically changed. Under... 

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Insured Mortgage Guidelines Change

Puppet with phone

Finance Minister Jim Flaherty announced changes to insured mortgages yesterday in efforts to restrain the effects of the current low interest rate environment on real estate prices.  The new rules have four key components to them:

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Who is Nishka

Since 1995 Nishka has been providing financing solutions for  North Vancouver, Vancouver and the Tri-City areas. In that time she has come to understand one simple thing; owning real estate  is a key ingredient to creating wealth. “I’ve had the opportunity to meet and interview some very successful people. The common thread between them was that they all actively used real estate to build their net worth.” With this in mind, Nishka is an active advocate in helping clients on their journey in either starting or building on their real estate portfolio. It’s not all about building wealth though. ” Living in Vancouver is a lifestyle choice. We choose a community that we feel our family will be able to connect with. Having lived in North Vancouver for close to 20 years; I am able to  provide insight into the various communities and their idiosyncrasies.” When we asked Nishka what does she love about her role as a Mortgage Advisor: ” Helping people. It’s as simple as that. When I meet people they are often at the cross roads of some pretty big decisions. Providing insight from my collective experience and guiding them through the process to the solution is challenging and also exciting.”

Testimonials: What Clients Say About Nishka

“My wife and I were facing the exciting, but also somewhat horrifying task of purchasing our first apartment.  As first time buyers, we really didn’t know a whole lot of the ins and outs of a home purchase and about all the different types of mortgages and lenders.  Nishka made this whole process easy and as stress free as it could possibly have been.  We were referred to her by a coworker and from day one she was absolutely wonderful.  She is calm, patient, informative, extremely professional, and very easy to get ahold of if you have questions or concerns.  We would highly recommend Nishka to anyone looking for a mortgage.”

– Mike and Sherri

“As first time home-buyers, my husband and I were referred to Nishka to help us secure a mortgage. Nishka was incredibly patient, meeting with us in person to answer all of our questions and coach us through the process. She also made sure to keep in touch regularly throughout our experience so we were aware of where things were at and what was required of us. Even when faced with unique challenges, Nishka went above and beyond in gathering additional information and providing guidance to us on how to navigate our situation. Overall, the knowledge she shared with us and her drive to get us set up with the best mortgage possible reduced our stress and made the entire process easy and straightforward. We would recommend Nishka to other first time home-buyers in a heart beat!”

Amy and Shaun

 

“So grateful to have Nishka help us make our dream a reality!!

I can’t speak highly enough to explain how much Nishka has helped us through the process of buying our first home. She not only helped us secure a great mortgage product with one of the best rates, but in my mind she also went way outside her job description to make the entire process comfortable for us by having such a wealth of knowledge in all areas of the home buying process. I walked into her office just to explore what it would take to get ourselves into a position where we could buy our own home and with an amazing suggestion on how we could invest in RRSP’s to maximize our tax refund and then utilize our first time home buyers program we actually turned just and idea into me sitting here now in our beautiful home writing about the experience all within 6 months. There were a lot of unknowns and really big sometimes scary decisions to be made along the way when buying our house and what I loved about working with Nishka is that she was always available to return my calls. When we were hunting for houses I think I had to call her 3 times in a row to ask different questions and not once did she ever make me feel as though I was being a bother and she always had a way of leaving me feel very comfortable and confident in what I was doing. Nishka went way above my expectations and I am so grateful to have met such a great person and I will definitely be continuing our journey with her when our mortgage term comes time for renewal. If anyone is considering buying a home or is looking to find a great mortgage I highly recommend you see Nishka to discuss your options she has made our dream come true and I really know she would be helpful to anyone who is going through the process.”

– Sarah & Jay
Very happy new homeowners!!! 

“Nishka was instrumental in getting me into my dream home! She consulted actively with me throughout the entire process and was able to break down all of the steps so that I felt confident throughout. Nishka worked tirelessly, which ended up getting me into an even lower interest rate, and even kept me generally updated on trends and economic indicators. I wholeheartedly recommend her, especially for first-time buyers such as myself.”

– Sarah

“We used Nishka’s services on two occasions. Excellent service from start to end. She answered all our questions immediately. It was a pleasure to deal with someone so efficient and professional. She made a confusing process seem easy.”

– Robert and Kasia

“Nishka helped me realize my dream of moving into a house.  She was with me every step of my journey from condo to house and was always available to answer any questions and offer support. Thank you Nishka!”

– Angela

“My family and I HIGHLY recommend Nishka Riley. We’ve used her expertise more then once. She, every single time, succeeded where others repeatedly kept failing. She is a Life Saver and Happiness Maker… Thank you Nishka for who you are and for helping others be where they want to be.” 

– Kamal Derkaoui csc

Nishka has been an amazing resource for our first home purchase. She was professional and thorough throughout the process and secured a great rate for us quickly and efficiently. Thanks Nishka!
– Ian and Elisabeth

“Nishka has been a pleasure to work with. She is a warm and sincere person and also has great vision and knowledge.” 

– Juliette Schmerler

“I’ve known Nishka for several years and have found her to consistently be a knowledgeable expert in the field of mortgage financing. I would highly recommend her services to anyone requiring mortgage advice or insight related to financing a real estate transaction, either for personal use or investment purposes.”

– Gord Trembath

The service that Nishka provided was exceptional. Not only did she find me a great mortgage but also gave me some common sense solutions for future investments. I would highly recommend Nishka to my friends and family, and look forward to working with her in the future.

Mark Walker

Quoted in:

December 2011 Issue October 2011 Issue

Nishka is a member in good standing with the following professional associations:

Discover The Power of Who!

By harnessing the collective experiences of Nishka's clients you can find the right person or company WHO can help you figure "IT" out. Discover the "Power of Who" and you'll be amazed at the time you'll save and the value you'll gain.

You can be a part of the "Power of Who". If you know of a person who should be on Nishka's list please send her an email!

Bikes

Obsession Bikes

Contact: James, Matt, Lou

Address: 94 Lonsdale Avenue, North Vancovuer

Phone: (604) 985-2213

Email:   james@obessionbikes.com

Internet: www.obsessionbikes.com

Services: Mountain Bikes, Road Bikes, Gear, The Best Repairs on the North Shore

The Connection! :  We have bought two bikes from Obsession and they handle all our bike maintenance. The staff is amazing! Stop by just to chat!

Dog Walking

Yes Dog Adventures

Owner: Hallie Mitchell

Phone: (778) 989-6455

Email:  info@yesdog.ca

Internet: www.yesdog.ca

Services: Training, Dog Walking

The Connection! :  Hallie and her team provide our Yellow Lab with two adventures a week! She is also is an amazing trainer.

Electricians

Electrician

Contact: Paul Brown

Phone: (778) 829-4452

Email:  paulbrown_7@hotmail.com
Services: Electrician

The Connection! :  Paul has done work on several of our big reno projects.  He is an ace at troubleshooting!

Health

Body Energy Club

Address: 746 Davie @ Howe or 555 West 12th @ Cambie or online

Phone: (877) 776-4844

Email:   sales@bodyenergyclub.com

Internet: www.bodyenergyclub.com

Services: Vitamins, Sports Supplements + Smoothie Bar

What Makes Them Different:  We have been ordering our supplements online with Body Energy Club for about 6 years now.  They provide such a great personal touch that we almost feel like we are on a first name basis!  I don’t know of any online experience that makes shopping so easy.  In addition their prices are great and the selection even better!

Hotels

Residence Inn By Marriott Vancouver

Address: 1234 Hornby Street, Vancouver, BC,  V6Z 1W2

Phone: (604) 688-1234

Toll Free: (877) 515-4135

Internet: www.marriot.com

Services: Hotel and Long Term Stays

What Makes Them Different:  The Residence Inn by Marriott Vancouver is designed to make your longer stay in Vancouver seem as if you are at your second home.  With fully equipped kitchen suites, complimentary grocery delivery service, complimentary hot morning breakfast and a modern fitness centre, you’ll have a home base to ensure your business trip is efficient and effective.   If you are planning to call Vancouver home, I can’t think of better hotel to stay at while you are touring our world class city, deciding where to plant your roots.

Kids

Sleepdreams

Founder: Jennifer Gardner

Phone: (604) 985-2991

Email:  info@sleepdreams.ca

Internet: www.sleepdreams.ca

Services: Paediatric Sleep Therapist, Seminars,

The Connection! :  Jennifer and her amazing team have helped several clients with their newborn children. She is a dream to work with!

Senior Care

Proof of Care

Owner: Tracy Sacre, President

Phone: (604) 986-2273

Internet: www.proofofcare.com

Services: Senior Care, Putting Twinkles back in Wrinkles! Go to the website and you’ll understand!

Proof of Care’s approach is everything you would hope it to be. Focused on improving the lives of the people in their care; Tracy’s staff just have that unique way of brightening their clients day. I couldn’t imagine anyone else caring for the people who gave me life!

Travel

Brazil by One

Contact: Yette Marie Isopo

Phone: (604) 985-2213

Email:   yettemarie@brazilbyone.com

Internet: www.brazilbyone.com

What makes them different:    Have you ever wanted to go to Brazil but felt it was such a big undertaking that it keeps sitting on your someday/maybe list?    What if from the moment you walked through the gates at the airport you were escorted through a planned itinerary?  Not with a big tour group, not travelling with strangers,  but an intimate custom designed vacation that was planned here in Vancouver with someone from Brazil!  Best of all, Brazil by One prices are better than any other agency.   Now you can move that Brazilian vacation off the someday/maybe list and onto the “in 2013” list.