Sonja Andersen Mortgage Specialist

Sonja Andersen

Mortgage Specialist

635 E Windsor Rd, North Vancouver, British Columbia, V7N 1K8







I understand it's a challenge to find the right Mortgage Broker let alone making that decision on whether to use your bank directly that you trust and may have been with for them many years, or to let an independent mortgage professional work on your behalf to find you the best rate/product.

I am here to make this the easiest decision for you as I will give you my honest, unbiased professional opinion using my professional experience since 2008 on what your next move should be and ALL my services are FREE!*

Not only am I also available to you 24/7 but you will be given the best service and my complete attention with immediate responses to all your questions. I know what it feels like to need help from someone you can trust with your most valuable financing decisions. I am here for you! Feel free to ask me any questions you have on your mind as there is no such thing as a silly question, only silly that you don't ask!

Whether it's a purchase, refinance or renewal, I will run the numbers and show you how your cost of borrowing especially if we are comparing products vs rate with different lenders. Purchase/refi, renewals for principle/second home/investment properties or to take out some equity to consolidate those higher interest loans!

Call me anytime, days, evenings and even weekends as I am always considerate of your time availability.


Sonja Andersen

*On the most challenging deals a fee may be required as most private lenders do not pay broker commissions. It is then that you need me the most and all fee's may be consolidated into the new mortgage

Specialties: Negotiations with lenders/banks, superior service to my clients, knowledge of all my lenders products so to best advise my clients.

I'm Equifax certified

I'm certified through the Equifax Credit Professional Program.

BLOG / NEWS Updates

No respite for Canadian housing affordability in Q4 2023

From National Bank of Canada The fourth quarter of 2023 witnessed a second consecutive deterioration for housing affordability in Canada. The degradation was widespread with every single market experiencing an increase in their mortgage payment as a percentage of income (MPPI) due to both higher interest rates and rising home prices. This worsening has practically eliminated recent improvements in affordability and our index at the national level is almost back to its worst affordability since the 1980s. That said, the headline index dissimulates a more worrisome picture. Indeed, the condo sub-index has reached its highest level of unaffordability in at least two decades. In other words, it would take nearly half of pre-tax median household income to service the median condo mortgage. With the condo market typically being the entry point for first-time homebuyers it leaves the latter with few options. While homeownership is becoming untenable, the rental market offers little respite. Our rental affordability index has never been worse. It would take nearly one third of pre-tax household income to pay for the average rent of a two-bedroom condo. The outlook for the coming year is fraught with challenges. While mortgage interest rates are showing signs of waning in the face of expected rate cuts by the central bank, housing demand remains supported by unprecedented population growth. As a result, we expect some upside to prices in 2024. On the rental side, in a recently released report by the CMHC, Canada`s rental market vacancy stumbled to a record low of 1.5% which leaves little room for an improvement in rents. Supply for any segment of the market isn`t expected to pick up anytime soon as building permits in many Canadian cities has plummeted at the end of 2023. https://www.nbc.ca/content/dam/bnc/taux-analyses/analyse-eco/logement/housing-affordability.pdf

Canadian Home Sales Showing Signs of Recovery

Following a weak second half of 2023, home sales over the last two months are showing signs of recovery, according to the latest data from the Canadian Real Estate Association (CREA). Home sales activity recorded over Canadian MLS Systems rose 3.7% between December 2023 and January 2024, building on the 7.9% month-over-month increase recorded the month prior. While activity is now back on par with 2023s relatively stronger months recorded over the spring and summer, it begins 2024 about 9% below the 10-year average. Sales are up, market conditions have tightened quite a bit, and there has been anecdotal evidence of renewed competition among buyers; however, in areas where sales have shot up most over the last two months, prices are still trending lower. Taken together, these trends suggest a market that is starting to turn a corner but is still working through the weakness of the last two years, said Shaun Cathcart, CREAs Senior Economist. https://stats.crea.ca/en-CA/


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