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My Rates

6 Months 3.14%
1 Year 3.04%
2 Years 3.19%
3 Years 3.39%
4 Years 3.44%
5 Years 3.59%
7 Years 3.79%
10 Years 4.09%
6 Months Open 6.00%
1 Year Open 3.95%
*Rates subject to change and OAC
AGENT LICENSE ID
060545
Clayton B. Carby  CRMP,MBI Mortgage Manager

Clayton B. Carby CRMP,MBI

Mortgage Manager


Address:
#560 171 W. Esplanade, North Vancouver, British Columbia

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As a Licensed Mortgage Professional, I work with clients from all walks of life and employment. My more than 32 years of real estate and real estate financing experience helps facilitate the sound solutions that my clients rely on for any and all of their mortgage financing needs. Having access to many funding sources that are typically unavailable to my clients, I am able to source mortgages that best fit their needs, not the bank’s. I strongly focus on educating my clients in all facets of their mortgage, ensuring that the mortgage is treated as an investment with a return (ROI) rather than simply as a utility. I began my Real Estate career in 1986 and became a licensed mortgage broker in 2000. I hold the designation as a Canadian Reverse Mortgage Professional. 

 

https://youtu.be/xHpyTtRbuUg


BLOG / NEWS Updates

SCHL: Pénurie de logements au Canada : Estimation des besoins pour résoudre la crise de l’abordabilité du logement au Canada d’ici 2030

Nous traversons une crise du logement. Dans ce rapport, nous examinons labordabilit globale de lensemble du systme de logement au Canada. Nous avons pris des mesures pour estimer la quantit de logements supplmentaires ncessaires, au-del des tendances actuelles, pour rtablir labordabilit du logement dici 2030. Faits saillants Nous prvoyons que si le taux actuel de construction se maintient, le parc de logements augmentera pour atteindre prs de 19 millions dunits dici 2030. Pour rtablir labordabilit, nous estimons que le Canada aura besoin de 3,5 millions de logements supplmentaires. Les deux tiers des 3,5 millions de logements manquants se trouvent en Ontario et en Colombie-Britannique, o les marchs de lhabitation sont les moins abordables. Des logements supplmentaires seraient galement requis au Qubec. Cette province tait autrefois considre comme abordable, mais labordabilit sy est fortement effrite au cours des dernires annes. Dautres provinces demeurent largement abordables pour un mnage ayant un revenu disponible moyen. Cependant, il est toujours difficile pour les mnages faible revenu davoir accs un logement abordable partout au Canada. Source: https://www.cmhc-schl.gc.ca/fr/professionals/housing-markets-data-and-research/housing-research/research-reports/accelerate-supply/housing-shortages-canada-solving-affordability-crisis

Canada’s Housing Supply Shortages: Estimating what is needed to solve Canada’s housing affordability crisis by 2030

Were in a housing crisis. This report looks at the overall affordability for the entire housing system in Canada. The report has taken steps to estimate how much additional housing supply is required beyond current trends to restore housing affordability by 2030. Key Highlights CMHC projects that if current rates of new construction continue, the housing stock will increase to close to 19 million housing units by 2030. To restore affordability, CMHC projects Canada will need an additional 3.5 million units. Two-thirds of the 3.5 million housing unit gap is in Ontario and British Columbia where housing markets are least affordable. Additional supply would also be needed in Quebec, a province once considered affordable. It has seen a marked decline in affordability over the last few years. Other provinces remain largely affordable for a household with the average level of disposable income. However, challenges remain for low-income households in accessing housing that is affordable across Canada. Source: https://www.cmhc-schl.gc.ca/en/professionals/housing-markets-data-and-research/housing-research/research-reports/accelerate-supply/housing-shortages-canada-solving-affordability-crisis

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