we are committed MORTGAGE BROKERS

Purchasing a property, whether a home, cottage or an investment property can be worrisome and scary. A poor decision can leave you with losses of thousands of dollars. Our goal at CMB is to provide the best possible service by representing you and your interests in securing proper financing for your purchase.
With years of experience behind our backs we can connect you with the right lenders and rates. We work with finance companies all across the country so we have several options to offer you and we do it all with patience, plain language and your interests in mind.

Those who are about to take out a new mortgage are in need of financial advice and can benefit from our services. We are a Certified Mortgage Brokers, one of the most notable independent brokerage companies in Canada. Our brokerage boasts of a decade of experience in the industry, ensuring that your best interests will be upheld professionally.

What We Do For You

You can save yourself from the stress of home buying as we find the lowest rates for you. We also help you with every step of your home buying process. Our experience and knowledge gives you the flexibility and freedom to own your dream home sooner than you thought. All we care about is meeting your needs accurately, quickly, and easily.

Vancouver’s #1 Mortgage Brokers!

Vancouver is also a great place for business. If you are interested in investing on a commercial property here, we’ll be glad to assist you as well.
Whether you’re in the market for residential or commercial property, you can count on us to give you the lowest rates and expert advice to guide you in achieving your goals. Give us a call so we can show you how.

Mortgage Basics

Arm yourself with basic knowledge about mortgages when you search for your new home or commercial property. Doing so will increase your understanding of the buying process. It will also help you avoid companies that lure you in for their own profit’s sake.

Mortgage Defined

Simply put, a mortgage is a loan granted to an individual or a business for the purpose of buying real estate. The loaned money from a mortgage is often used to finance a new home or a building intended to be used for business. Mortgages can also be used to buy and/or renovate an existing home, to refinance or consolidate debts, and to buy investment properties.

Collaterals in mortgages often include the property being bought under the mortgage agreement. You must pay the loan amortization in regular schedules as agreed upon by you and the lender. Failure to pay on time could result to your lender foreclosing your property.

Common Mortgage Services

Mortgage brokers like us can help you find a lender with low rates, so that you won’t have to spend too much to get what you want. Here at Certified Mortgage Broker, we provide you valuable services in order to keep up with your property needs here in Vancouver.

Residential Mortgages

Give yourself and your family the privilege of living in your own home. We help you find the absolute lowest rates in Vancouver’s real estate market so that you can easily get a residential mortgage that suits your budget.

Commercial Property Mortgages

Create a booming business in lively Vancouver with a commercial property of your own. We’ll ensure that your commercial mortgage process is handled efficiently and quickly, so you can focus on growing your business and nothing else.

Mortgage Refinancing

Consolidate your mortgages and refinance with our help. We promise to work on your refinancing with the same speed and diligence as of a start-up new mortgage.

Feel free to call us up for fast, professional, and top-notch mortgage services.

The loan that you make to buy a house or some other property is called a mortgage. The principal refers to the amount borrowed. Each mortgage payment pays off part of the principal plus the interest.

You have custody over the property. However, if you fail to pay the loan and interest according to the terms of the contract, the lender may repossess the property.

A down payment refers to the money you pay for real estate property. This money is paid upfront and the rest of the cost of your new home is covered by your mortgage. For properties that cost up to $500,000, the minimum down payment in Canada is 5% – however, do take note that your lender may sometimes require a higher down payment.

But what if the cost of the property is more than $500,000? If that is the case then the interest is 5% for the first $500,000 and then 10% for the remainder of the cost.