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My Rates

1 Year 2.99%
2 Years 3.29%
3 Years 3.54%
4 Years 3.64%
5 Years 3.24%
7 Years 4.14%
10 Years 4.54%
6 Months Open 6.70%
1 Year Open 4.45%
*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

The Contagion of Fear

Fears of a possible coronavirus pandemic are sweeping the world. Markets are jittery with little hard data to go on. With the first case now reported in Canada, many are recalling the 2003 SARS where Canada was one of the epicenters. Arguably the biggest (economic) lesson from that experience is that fear is the biggest risk to the outlook. The impact of the SARS pandemic on the Canadian economy is difficult to estimate, confounded as it was by the slowing US economy, the invasion of Iraq and other events, but the Bank of Canada estimated -0.6ppt hit to annualized growth in Q2-2003, or just over 0.1% on the level of GDP. While it is premature to predict the path of todays coronavirus outbreak, we estimate that a SARS-equivalent pandemic today could have a similar impact on the Canadian economy with an estimated hit of just over 0.1% on the level of GDP by mid-2020, at which point a pandemic should be contained. This estimate is subject to a significant degree of uncertainty with risks skewed to a potentially larger impact. The effect should not be significant enough to trigger a broader economic malaise, but could this finally push Governor Poloz over the line to proactively stimulate the economy in his next rate call? Source: https://www.scotiabank.com/content/dam/scotiabank/sub-brands/scotiabank-economics/english/documents/insights-views/2020-01-27_IV.pdf

Bank of Canada maintains overnight rate target at 1 ¾ percent

The Bank of Canada today maintained its target for the overnight rate at 1 percent. The Bank Rate is correspondingly 2 percent and the deposit rate is 1 percent. The global economy is showing signs of stabilization, and some recent trade developments have been positive. However, there remains a high degree of uncertainty and geopolitical tensions have re-emerged, with tragic consequences. The Canadian economy has been resilient but indicators since the October Monetary Policy Report(MPR) have been mixed. Data for Canada indicate that growth in the near term will be weaker, and the output gap wider, than the Bank projected in October. The Bank now estimates growth of 0.3 percent in the fourth quarter of 2019 and 1.3 percent in the first quarter of 2020. Exports fell in late 2019, and business investment appears to have weakened after a strong third quarter. Job creation has slowed and indicators of consumer confidence and spending have been unexpectedly soft. In contrast, residential investment was robust through most of 2019, moderating to a still-solid pace in the fourth quarter.

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