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AGENT LICENSE ID
144223
Sonja Andersen Mortgage Specialist

Sonja Andersen

Mortgage Specialist


Phone:
Address:
635 E Windsor Rd, North Vancouver, British Columbia

BROWSE

PARTNERS

COMPLETE

THE SURVEY

REFER

A FRIEND

I understand it's a challenge to find the right Mortgage Broker let alone making that decision on whether to use your bank directly that you trust and may have been with for them many years, or to let an independent mortgage professional work on your behalf to find you the best rate/product.

I am here to make this the easiest decision for you as I will give you my honest, unbiased professional opinion using my professional experience since 2008 on what your next move should be and ALL my services are FREE!*

Not only am I also available to you 24/7 but you will be given the best service and my complete attention with immediate responses to all your questions. I know what it feels like to need help from someone you can trust with your most valuable financing decisions. I am here for you! Feel free to ask me any questions you have on your mind as there is no such thing as a silly question, only silly that you don't ask!

Whether it's a purchase, refinance or renewal, I will run the numbers and show you how your cost of borrowing especially if we are comparing products vs rate with different lenders. Purchase/refi, renewals for principle/second home/investment properties or to take out some equity to consolidate those higher interest loans!

Call me anytime, days, evenings and even weekends as I am always considerate of your time availability.

Sincerely,

Sonja Andersen

*On the most challenging deals a fee may be required as most private lenders do not pay broker commissions. It is then that you need me the most and all fee's may be consolidated into the new mortgage

Specialties: Negotiations with lenders/banks, superior service to my clients, knowledge of all my lenders products so to best advise my clients.

I'm Equifax certified

I'm certified through the Equifax Credit Professional Program.

BLOG / NEWS Updates

Canadian Home Prices See Sudden End to Declines in Advance of Spring Market

Canadian home prices as measured by the seasonally adjusted Aggregate Composite MLS Home Price Index (HPI) were flat on a month-over-month basis in February 2024, ending a streak of five declines that began last fall, according to the latest data from the Canadian Real Estate Association (CREA). The fact that prices were unchanged from January to February was noteworthy given they had dropped 1.3% from December to January. Considering how stable the seasonally adjusted MLS HPI tends to be, shifts this abrupt are exceedingly rare. There have only been three other times in the last 20 years that have shared a sudden improvement or increase in the month-over-month percentage change from one month to the next of this size; all at various points in the last four years when demand was coming off the sidelines. Its looking like February may end up being the last relatively uneventful month of the year as far as the 2024 housing story goes, said Shaun Cathcart, CREAs Senior Economist. With so much demand having piled up on the sidelines, the story will likely be less about the exact timing of interest rate cuts and more about how many homes come up for sale this year. Home sales activity recorded over Canadian MLS Systems dipped 3.1% between January and February 2024, giving back some of the cumulative 12.7% increase in activity recorded in December 2023 and January 2024. That said, the general trend has been somewhat higher levels of activity over the last three months compared to a quiet fall market in 2023. Source: https://stats.crea.ca/en-CA/

Bank of Canada maintains policy rate, continues quantitative tightening

The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. Global economic growth slowed in the fourth quarter. US GDP growth also slowed but remained surprisingly robust and broad-based, with solid contributions from consumption and exports. Euro area economic growth was flat at the end of the year after contracting in the third quarter. Inflation in the United States and the euro area continued to ease. Bond yields have increased since January while corporate credit spreads have narrowed. Equity markets have risen sharply. Global oil prices are slightly higher than what was assumed in the January Monetary Policy Report (MPR). In Canada, the economy grew in the fourth quarter by more than expected, although the pace remained weak and below potential. Real GDP expanded by 1% after contracting 0.5% in the third quarter. Consumption was up a modest 1%, and final domestic demand contracted with a large decline in business investment. A strong increase in exports boosted growth. Employment continues to grow more slowly than the population, and there are now some signs that wage pressures may be easing. Overall, the data point to an economy in modest excess supply. Source: https://www.bankofcanada.ca/2024/03/fad-press-release-2024-03-06/

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Scotia Bank TD Bank First National EQ Bank MCAP Merix
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Lifecycle Mortgage ICICI Bank Radius Financial HomeEquity Bank CMI Bridgewater
Sequence Capital Wealth One Fisgard Capital Bloom Financial NationalBank