Introduction With the Bank of Canada’s recent rate cut in March 2025—and the potential for more to come—many homeowners and buyers across Abbotsford, Surrey, and surrounding areas are re-evaluating their mortgage strategies. Whether you’re renewing, refinancing, or buying your first home, the decision between a fixed-rate mortgage and a variable-rate mortgage can have a lasting...

For many Canadians, homeownership is a key financial milestone. However, for self-employed individuals, securing a mortgage comes with additional challenges compared to salaried employees. While traditional employees can provide T4 slips as proof of income, self-employed Canadians often face fluctuating earnings, business expenses, and non-traditional income documentation, which can make mortgage approval more difficult. According...