My Rates

6 Months 3.14%
1 Year 3.04%
2 Years 3.19%
3 Years 3.39%
4 Years 3.44%
5 Years 3.39%
7 Years 3.79%
10 Years 4.09%
6 Months Open 6.00%
1 Year Open 3.95%
*Rates subject to change and OAC
Zach Silverman Strategic Mortgage Planner

Zach Silverman

Strategic Mortgage Planner

1-6337 198 Street, Langley, British Columbia









I hope you're having a fantastic day so far and thank you for the opportunity in advance to work With You and discuss all of your Mortgage Requirements & Needs!


ABC Mortgage Group:


You've decided to take the first steps towards Home Ownership.

When purchasing a home and need a mortgage; you can go to a local bank and accept one of their products only available to that institution. Or you can sit down with myself, and or any other Mortgage Broker that has access to a wide range of lenders that will be competing for your business! With a number of products for you to choose from and the best interest rates possible. It is a benefit to use a Mortgage Broker.

With access to over 30 lenders including Canada’s largest banks, Credit unions, Trust Companies and private lenders. I will personally guarantee you that I will work as hard for you as I did getting to where I am today!


My Promise:


I will provide you with unbiased advice and take the time to go through all your financing options. I'm here to work with you and for you, NOT THE BANKS!

I love what I do, I've been involved within the Real Estate and Mortgage Brokering industry since an early age. Working from the ground up, I know that reaching one's goals is something that we all want to work towards and strive to achieve. I'm thankful that your giving me your trust and I look forwrad to not only earning it but Keeping it!

If we have the opportunity to sit down together and discuss your mortgage requirements and needs... I will provide you with a more indepth profile about myself and also take the time to get to know you. I promise you that I will do my very best that I can to ensure the transaction is as seamless as possible. Even if there are bumps in the road and some struggles along the way... I plan on going through those with you.


In Closing:

In most cases, we are paid directly by the Lender so there is no cost to you, and because I don't get paid until the mortgage is fully completed, I'm going to be highly motivated to move your mortgage application quickly through all the required channels.

The difference of even a .25% on a mortgage can result in thousands of dollars worth of savings over the life of your mortgage and allowing you to be mortgage free years sooner.

I look forward to meeting with you and discussing the next steps.


Thank you again for allowing me to be a part of this journey with you!

BLOG / NEWS Updates

Canadian Income Survey, 2016

Canadian families and unattached individuals had a median after-tax income of $57,000 in 2016. Median after-tax income increased from 2011 to 2014, but held steady in 2015 and 2016. The slower growth in 2015 and 2016 was associated with the resource price slowdown, which began in the second half of 2014. After-tax income is comprised of income from market sources and government transfers. Market income includes employment income, retirement income and income from investments, while government transfers include benefits to seniors, child benefits, Employment Insurance benefits, social assistance and other benefits. While growth in overall median after-tax income slowed in 2015 and 2016, there was also a significant increase in government transfer income. Median income from government transfers rose from $5,800 in 2014 to $7,400 in 2016. About half of this rise was due to increased child benefits, which became a larger source of income for families with children. In 2014, the median child benefit received by couple families with children were $2,500. This rose to $3,400 in 2015, and to $4,000 in 2016. For a lone-parent family, the median benefits rose from $5,100 in 2014 to $5,800 in 2015, and then to $6,400 in 2016.

Bank of Canada maintains overnight rate target at 1 1/4 per cent

The Bank of Canada today maintained its target for the overnight rate at 1 1/4 per cent. The Bank Rate is correspondingly 1 1/2 per cent and the deposit rate is 1 per cent. Global growth remains solid and broad-based. In the United States, new government spending and previously-announced tax cuts are anticipated to boost growth in 2018 and 2019. However, trade policy developments are an important and growing source of uncertainty for the global and Canadian outlooks. In Canada, the national accounts data show that the economy grew by 3 per cent in 2017, bringing the level of real GDP in line with the projection in the Banks January MonetaryPolicy Report (MPR). In the fourth quarter, GDP growth was slower than expected, largely due to higher imports, while exports made only a partial recovery from their third-quarter decline. The gain in imports mainly reflected stronger business investment, which adds to the economys capacity. Strong housing data in late 2017, and softer data at the beginning of this year, indicate some pulling forward of demand ahead of new mortgage guidelines and other policy measures. It will take some time to fully assess the impact of these, as well as recently announced provincial measures, on housing demand and prices. More broadly, the Bank continues to monitor the economys sensitivity to higher interest rates. Notably, household credit growth has decelerated for three consecutive months. The implications of the recent federal budget for the outlook for growth and inflation will be incorporated in the Banks April projection. Inflation is running close to the 2 per cent target and the Banks core measures of inflation have edged up, consistent with an economy operating near capacity. Wage growth has firmed, but remains lower than would be typical in an economy with no labour market slack. Inflation is fluctuating because of temporary factors related to gasoline, electricity, and minimum wages. In this context, Governing Council maintained the target for the overnight rate at 1 1/4 per cent. While the economic outlook is expected to warrant higher interest rates over time, some continued monetary policy accommodation will likely be needed to keep the economy operating close to potential and inflation on target. Governing Council will remain cautious in considering future policy adjustments, guided by incoming data in assessing the economys sensitivity to interest rates, the evolution of economic capacity, and the dynamics of both wage growth and inflation.


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