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SB 140187
Robert Mogensen Mortgage Consultant, AMP

Robert Mogensen Mortgage Consultant, AMP

Verico The Mortgage Advantage

Phone:
Address:
560 - 171 West Esplanade, North Vancouver, British Columbia

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It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

As your personal mortgage consultant, I’m an independent, unbiased, expert, here to help you move into a home that you will love.

I have access to mortgage products from a multitude of lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m your personal mortgage consultant who will help you get the right financing, from the right lender, at the right rate. 

Please call me today for your best mortgage solution and advice.   Phone: 604.802.8193

BLOG / NEWS Updates

Changes in debt and assets of Canadian families 1999 to 2012

Between1999and2012, the value of debt and assets held by Canadian families both rose. However, the debt and assets increased at different rates by category of family. In2012,71% of all Canadian families had some debt, up from67% in1999. Debt includes both mortgages and consumer debt such as car loans, lines of credit, vehicle loans, personal loans and student debt. Between1999and2012, the median debt held by indebted familiesthe value separating the top half of families with the most debt from the bottom halfincreased by $23,400(in2012constant dollars) to $60,100. To provide a complete perspective on household finances, it is important to also examine changes in the value of assets among families with debt. The median assets of Canadian families with debt rose by $179,800over the same period (in2012constant dollars) to $405,200. Assets include financial assets (employer pension and non-pension) and non-financial assets such as real estate assets. Such results suggest that the value of assets rose at least as rapidly as the value of debt for many Canadian families. In fact, median assets increased by80% while median debt was up by64%. Even though both debt and assets increased for nearly all types of families, the magnitude of the changes was not necessarily the same in all family categories.

Changes in debt and assets of Canadian families 1999 to 2012

Between1999and2012, the value of debt and assets held by Canadian families both rose. However, the debt and assets increased at different rates by category of family. In2012,71% of all Canadian families had some debt, up from67% in1999. Debt includes both mortgages and consumer debt such as car loans, lines of credit, vehicle loans, personal loans and student debt. Between1999and2012, the median debt held by indebted familiesthe value separating the top half of families with the most debt from the bottom halfincreased by $23,400(in2012constant dollars) to $60,100. To provide a complete perspective on household finances, it is important to also examine changes in the value of assets among families with debt. The median assets of Canadian families with debt rose by $179,800over the same period (in2012constant dollars) to $405,200. Assets include financial assets (employer pension and non-pension) and non-financial assets such as real estate assets. Such results suggest that the value of assets rose at least as rapidly as the value of debt for many Canadian families. In fact, median assets increased by80% while median debt was up by64%. Even though both debt and assets increased for nearly all types of families, the magnitude of the changes was not necessarily the same in all family categories.

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TD Bank Scotia Bank First National National Bank B2B Bank Home Trust
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Equitable Trust ICICI Bank CFF Bank Fisgard Capital  RMG Mortgages