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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
500727
Geraldine Zinsli Mortgage Advisor

Geraldine Zinsli

Mortgage Advisor


Phone:
Address:
Suite 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. Shopping for a new mortgage can however be confusing, and some financial institutions don't make the process any easier.

That's where I come in!

As an independent Mortgage Advisor I work for my clients, NOT the lenders, providing
you with unbiased expertise and support throughout the process.

Each borrower is unique and the lending options will be tailored to reflect your individual circumstances and financial goals. It’s never been easier or more convenient. With access to 40+ lenders and Financial Institutions across Canada and the ability to work with you in person, online or by phone, I am committed to making the process simple and efficient!

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’ll help you get the right financing, from the right lender, at the right rate.

Contact me today for a free consultation!
 


BLOG / NEWS Updates

National Bank of Canada Weekly Economic Watch

Housing starts rose from 166.5K in April to 193.5K in May (seasonally adjusted and annualized). Urban starts improved 22K to 181.1K on increases in both the multi-unit (+14.9K to 135.9K) and the single-detached (+7.1K to 45.3K) segments. At the provincial level, urban starts shot up in Quebec from 0K in April to 56.3K as social distancing measures were eased but plunged 37.1K to 56.5K in Ontario. June results should provide a clearer snapshot of the post-lockdown residential construction industry in Canada. Projects delayed on account of the Covid-19 pandemic might sustain starts at a relatively high level for a short while but the longer-term horizon looks less promising in light of much higher joblessness and reduced immigration. Moreover, tougher CMHC standards for mortgage insurance will likely exclude some potential buyers by shrinking their purchasing power. We estimate that the new rules governing maximum gross debt service will reduce by about 11% the amount that the median Canadian household will be allowed to borrow. Source: NBA Economics and Strategy

Virtual Tours and Live Streams a Hit on REALTOR.ca

While staying home to help stop the spread of COVID-19, Canadians are spending more time looking at properties on REALTOR.ca, Canadas No. 1 real estate platform*. During the week of March 9, visits to REALTOR.ca dropped by 30%; however, since April 12 traffic has crept back up by 14% and consumer inquiries to REALTORS through the site rose by 25%similar to levels during the same period last year. Despite the pandemic, REALTOR.ca has seen a 14% increase of visitors during the first quarter of 2020. As COVID-19 is limiting how buyers can visit homes that interest them, REALTOR.ca makes it possible for Canadian REALTORS to virtually showcase listings by integrating video and 3D tours from 10 of the most popular services. Since April 7, REALTORS can also schedule and promote live stream open houses using popular platforms such as Facebook Live, Instagram Live, Zoom and YouTube. If theres one thing 30-plus years in this business has taught me, its that as an industry we are early adopters of technology, said Costa Poulopoulos, Chair of the Canadian Real Estate Association. With restrictions on how we can continue to serve our clients, Im proud that weve been able to add features for REALTORS that allow them to continue to show homes to interested buyers.

MY LENDERS

TD Bank Scotia Bank Attain Mortgage First National MCAP B2B Bank
Home Trust Merix Equitable Bank Street Capital CMLS Fisgard Capital
ICICI Bank Optimum  RMG Mortgages Bridgewater Marathon Mortgages