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First Time Home Buyer Mortgage Broker Abbotsford

From Stress Test to Keys in Hand: 2026 Approval Strategies for First-Time Buyers in Abbotsford & Surrey

December 18, 2025by Sandhu & Sran Mortgages

For many first-time buyers across Abbotsford and Surrey, the dream of homeownership has felt permanently out of reach over the past few years. High interest rates, strict stress-test rules, rising home prices, and tougher lender underwriting created a perfect storm of rejection—even for financially responsible households. But 2026 opens with a very different mortgage environment....

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Mortgage Interest Rate

BoC at 2.25% and 30-Year Amortization: How First-Time Buyers in BC Can Finally Get Approved

December 11, 2025by Sandhu & Sran Mortgages

For years, first-time home buyers across British Columbia—especially in Surrey, Abbotsford, and the Fraser Valley—have faced a brutal combination of rising home prices, stress-test hurdles, and rapidly climbing interest rates. Many qualified families were priced out not because they couldn’t afford a home long-term, but because they couldn’t pass short-term affordability rules. Now, the landscape...

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Home Mortgage

Bank of Canada’s 2.25% Rate Cut: What It Means for Canadian Homebuyers and Mortgage Renewers

December 4, 2025by Sandhu & Sran Mortgages

The Bank of Canada’s recent decision to lower its benchmark policy interest rate to 2.25% marks a significant turning point in the country’s monetary policy cycle. After an extended period of elevated borrowing costs aimed at taming inflation, this move signals a shift toward economic stabilization and cautious growth support. For Canadian homebuyers and mortgage...

Mortgage Broker in Abbotsford

Canada’s 2025 Mortgage Market Explained: Rates, Rules & Smart Borrower Strategies

November 27, 2025by Sandhu & Sran Mortgages

Canada’s mortgage market in 2025 marks a defining shift from the ultra-low-rate borrowing era that shaped buyer behavior for more than a decade. After years of aggressive interest-rate increases, tightened qualification standards, and affordability pressures, the housing finance system has entered a phase of disciplined recalibration. This is no longer a market driven by urgency...

Investment Property Mortgage Abbotsford

Sustainable Real Estate: Investing in Green Homes in British Columbia

November 21, 2025by Sandhu & Sran Mortgages

British Columbia is emerging as a hub for sustainable living, and the real estate sector is quickly adapting. Homebuyers are increasingly seeking properties that are not only beautiful and functional but also environmentally responsible. Features such as solar panels, energy-efficient HVAC systems, and sustainable building materials are no longer niche options—they are becoming standard expectations...

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Older Posts

From Stress Test to Keys in Hand: 2026 Approval Strategies for First-Time Buyers in Abbotsford & Surrey

BoC at 2.25% and 30-Year Amortization: How First-Time Buyers in BC Can Finally Get Approved

Bank of Canada’s 2.25% Rate Cut: What It Means for Canadian Homebuyers and Mortgage Renewers

Canada’s 2025 Mortgage Market Explained: Rates, Rules & Smart Borrower Strategies

Sustainable Real Estate: Investing in Green Homes in British Columbia

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