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My Rates

6 Months 3.14%
1 Year 2.89%
2 Years 2.54%
3 Years 3.09%
4 Years 2.99%
5 Years 2.99%
7 Years 3.79%
10 Years 4.09%
6 Months Open 6.00%
1 Year Open 3.95%
*Rates subject to change and OAC
Alma Pasic Mortgage Advisor

Alma Pasic

Mortgage Advisor


Phone:
Address:
227-5589 Byrne Road, Burnaby, British Columbia

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The Canadian mortgage industry has never been more confusing.  Do I use a broker?  Do I go straight to my bank?  Who can get me the best rate?  Who can give me the best independent advice?

 

Alma Pasic has been helping clients navigate the confusing World of mortgages and financing in Canada for almost 20 years.  Using her expert knowledge of the industry and relationships with leading financial institutions, Alma gets her clients the approvals needed with the best terms.

 

As well as being the coauthor of “Complete Home Buyer’s Guide for Canadians”, available on amazon.ca, Alma is also a leading provider of real estate investment seminars throughout the Lower Mainland.

 

She offers a full service financial platform across a wide range of products and options by working with a range of realtors, accountants, builders, developers and financial planners. 

 

Alma has the resources and relationships to access the complete range of mortgage options. 

 

First Time Home Buyer                Self Employed                  Credit Challenged

Construction                                  Commercial                       Investment

Debt Consolidation                      Home Equity Loans          Consumer Proposal Payout

Bridge Loans                                 Home Improvements       New to Canada

Offshore Investor                          Spousal Buyout                Reverse Mortgages

 

 


BLOG / NEWS Updates

Vancouver the main driver of the Composite in December

Vancouver the main driver of the Composite in December says Teranet and National Bank of Canada Without Vancouver, the Composite index would have declined for a fourth month in a row. The strength of Vancouver’s index is consistent with continued tight home resale market conditions. Toronto’s index declined for a fifth consecutive month, but the unsmoothed index (see note on methodology on next page) rose for a second month in a row (middle chart). Unless the unsmoothed index relapses in January, the sequence of declines in the smoothed index should then be interrupted. However this improvement is likely to prove temporary, as it might have resulted from buyers rushing to avoid the new bylaws on qualification for an uninsured mortgage (implemented in January 2018). This view is supported by the increase in Toronto home sales in November and December compared to previous months (bottom chart). Therefore, a resumption of the downward price trend early this year cannot be excluded. Please click on the link below to access the full report: 201712 TNB monthly commentary

Bank of Canada increases overnight rate target to 1 1/4 per cent

The Bank of Canada today increased its target for the overnight rate to 1 1/4 per cent. The Bank Rate is correspondingly 1 1/2 per cent and the deposit rate is 1 per cent. Recent data have been strong, inflation is close to target, and the economy is operating roughly at capacity. However, uncertainty surrounding the future of the North American Free Trade Agreement (NAFTA) is clouding the economic outlook. The global economy continues to strengthen, with growth expected to average 3 1/2 per cent over the projection horizon. Growth in advanced economies is projected to be stronger than in the Banks October Monetary Policy Report(MPR). In particular, there are signs of increasing momentum in the US economy, which will be boosted further by recent tax changes. Global commodity prices are higher, although the benefits to Canada are being diluted by wider spreads between benchmark world and Canadian oil prices. In Canada, real GDP growth is expected to slow to 2.2 per cent in 2018 and 1.6 per cent in 2019, following an estimated 3.0 per cent in 2017. Growth is expected to remain above potential through the first quarter of 2018 and then slow to a rate close to potential for the rest of the projection horizon.

MY LENDERS

TD Bank Scotia Bank First National B2B Bank Home Trust
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