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My Rates

6 Months 3.85%
1 Year 2.89%
2 Years 2.59%
3 Years 2.64%
4 Years 2.87%
5 Years 2.99%
7 Years 3.95%
10 Years 4.29%
6 Months Open 5.45%
1 Year Open 4.39%
*Rates subject to change and OAC
Sean Harris Mortgage Specialist

Sean Harris

Mortgage Specialist


Phone:
Address:
8828 201 Street, Langley, 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!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty 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 the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.


BLOG / NEWS Updates

Bond rates start to climb

Last week we saw5 yr fixed mortgage rates hit 2.84% for the first time ever (these are full featured mortgages, not No Frills products). But these rates didn’t last long… just 3 days later, bond yields spiked up and mortgage rates followed… 5 yr fixed ratesnow sit at 3.09%. The 5 year Govt of Canada bond yields are up 0.30% since July 24th, and are currently sitting at 1.42%. That’sa 26% increase in 2 weeks. These bond yields have a direct effect on 5 yr fixed mortgage rates. If bond yields continue to go up, we could see mortgage rates go up further. Looking further ahead, the 2yr Govt of Canada bond yields provide us with a 6 month outlook… they have also gone up from 0.93% to 1.16%, a 20% increase… if the yields stay at this level, we should look for rates to go up slightly… Still, these are historical low rates… anything under 4.00% is ridiculously low… We haven’t seen 5 yr fixed rates under 4.00% for over 40 yrs.. This isn’t time to panic…it’s still a great time to borrow money… This seems to be an ongoing pattern. Rates go up temporarily, then they drop… they go up, then they drop… We’ve been stuck in this cycle for over 2 years. But hey, who’s complaining? Not anyone with a mortgage….Not any real estate investors… this means money is cheap….. and it makes investing in real estate a very attractive option. If you’re looking for investment strategies in mortgages and real estate, drop me a line or give me a call… I’d be happy to share some of my knowledge and experiences of others that are enjoying positive returns elsewhere.

Building your credit in the right way

As we all have learned over our lifetime that Credit Cards Can be evil. We go on vacation with them, we buy things we don't really need with them, and of course we use them in cases of emergency's to pay when thing go wrong. Most of the trouble we get into could be avoided if we learned how to handle credit better when we were younger. This article in The Globe and Mail so us that building our credit at a young age can be very beneficial. I think we all need to read this article and not only follow the advice ourselves but pass the information on to our kids so they can start right away at learning to manage credit properly. http://www.theglobeandmail.com/globe-investor/personal-finance/how-young-people-can-build-their-credit-profile/article4225042/

MY LENDERS

TD Bank Scotia Bank First National B2B Bank Home Trust
MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank Fisgard Capital  RMG Mortgages Street Capital