https://www.sandhusranmortgages.com/wp-content/uploads/2025/05/The-Rise-of-30-Year-Amortization-for-First-Time-Buyers-What-It-Means-for-BCs-Housing-Market-1200x640.webp

For years, one of the biggest barriers to homeownership in British Columbia has been affordability — especially for first-time buyers in high-demand markets like Abbotsford, Surrey, and nearby communities. In 2025, a major policy shift aims to address this: 30-year amortization terms are now available on insured mortgages for new construction homes purchased by first-time...

https://www.sandhusranmortgages.com/wp-content/uploads/2025/05/Refinancing-in-a-Lower-Rate-Environment-Is-Now-the-Right-Time-for-BC-Homeowners-1200x640.webp

As the Bank of Canada begins to ease its monetary stance in 2025, homeowners across British Columbia — particularly in Abbotsford, Surrey, and the broader Fraser Valley — are reassessing their mortgage strategies. After years of elevated rates, a cooling inflation trend and modest cuts have brought some relief to the lending environment. But with...

https://www.sandhusranmortgages.com/wp-content/uploads/2025/05/Mortgage-Stress-Tests-in-2025-What-Homebuyers-in-BC-Need-to-Know-1200x640.webp

In 2025, qualifying for a mortgage in British Columbia requires more than good credit and a solid down payment. One of the biggest barriers today’s buyers face—especially in markets like Abbotsford, Surrey, and even Edmonton—is the mortgage stress test. Originally designed to cool overheated housing markets, this rule has become a permanent fixture in Canada’s...

https://www.sandhusranmortgages.com/wp-content/uploads/2025/05/How-Much-Mortgage-Can-You-Afford-in-2025-A-Guide-for-BC-Homebuyers-1200x640.webp

In 2025, the dream of homeownership in British Columbia is still alive — but getting there requires a grounded understanding of what you can truly afford. Whether you’re a first-time buyer in Surrey, a family upgrading in Abbotsford, or relocating to Edmonton for a fresh start, mortgage affordability isn’t just about what a lender approves...

https://www.sandhusranmortgages.com/wp-content/uploads/2025/04/First-Time-Homebuyer-Mortgage-Guide-for-Abbotsford-and-Surrey-1200x640.webp

Purchasing your first home is a milestone achievement—and a major financial decision. In thriving markets like Abbotsford and Surrey, first-time buyers are stepping into a competitive but opportunity-rich landscape. Whether you’re buying a cozy townhome, a single-family property, or investing in a new construction project, understanding how mortgages work is the foundation of a successful...

© Copyright 2025 Sandhu and Sran Mortgages. Developed & Managed by Aisling Consultancy Services