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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!

Variable Rate Update – Third Quarter a Charm?

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 rate not changed
  • US economy pointing to solid growth
  • Economic growth in line with estimates
  • Solid fundamentals in the US will help CDN exports
  • Business capital investment still not materialising

How Your Mortgage Is Impacted

  • Prime rate remains at 2.7%
  • Variable rate mortgage discounts getting better
  • Fixed rates remain low … for now
  • Rate holds for purchases or maturities now available until the end of September
Where are rates heading?

The impact from the devastating Alberta fires is expected to slow the economy by 1 1/4 percent, however,  growth in the US economy and the resumption of oil production should get things back on track.  The question is will the economy go back to where it was at in the beginning of May, or will it surpass it?  If it surpasses the May point, that could impact fixed mortgage rates and open the door for an increase in prime by Mid 2017.   One thing for sure, the conversation of negative interest rates seems to be off the table.

Wondering how to structure your mortgage for 2016?

Give me a call!   We can discuss how your current financial situation fits into today’s economic environment and how the right mortgage strategy could save you thousands of dollars over the term of your mortgage.

The next Bank of Canada meeting is July 13th, 2016

Don’t forget to Like my Facebook Page to keep current on news in the real estate market!

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.