Our Sea to Sky Mortgage Blog

Mortgage Requirements in BC: Income, Debt Ratios & Borrowed Down Payments Explained

November 13, 2025

Income & Debt-Servicing Requirements for a Mortgage in BC: What First-Time Home Buyers, New-to-Canada Clients & Business-for-Self Borrowers Need to Know If you’re a first-time home buyer in BC, a new immigrant to Canada, or a business-for-self borrower exploring the possibility of borrowing a down payment, understanding traditional lender requirements is essential. As a mortgage…

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Mortgage Broker vs Bank in Canada: Why Working With a Broker Can Save You Time and Money | Sea to Sky Mortgages

October 31, 2025

Thinking about using a mortgage broker vs a bank in Canada? Learn how a broker can help you access better rates, flexible options, and expert mortgage advice tailored to your goals — all at no cost to you.

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Making Your New Home Truly Yours: Purchase Plus Improvements Mortgage

October 24, 2025

From my own kitchen upgrade- BEFORE

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Why You Should Use a Mortgage Broker to Streamline the Lending Process

October 10, 2025

Making Home Financing Simple and Stress-Free Buying or refinancing a home is exciting — but let’s be honest, the mortgage process can feel overwhelming. Between rate shopping, paperwork, and lender requirements, it’s easy to get lost in the details. That’s where a mortgage broker comes in. Our job is to simplify the process, save you…

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When is the Best Time to Renew My Mortgage?

August 20, 2025

Your mortgage renewal might feel like just another form to sign—but the truth is, it’s one of the biggest opportunities to save money on your home. Too often, homeowners let their mortgage auto-renew with their lender without looking at other options. That can mean paying a higher rate than necessary, or missing out on features…

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Navigating Non-Resident Lending: What US Citizens Need to Know About Mortgages in Sea to Sky Corridor

July 3, 2025

As an experienced mortgage broker serving the Squamish and Whistler communities, I often work with clients from the US or those earning US income who are looking to invest in our beautiful corner of BC. Whether you’re seeking a vacation home, an investment property, or a place to eventually call home, understanding the ins and…

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For First Time Home Buyers

June 26, 2025

Being on the path to purchasing your first home is one of the most exciting and most rewarding moments in life! While people don’t always dream of the perfect mortgage, we do grow up dreaming of a white picket fence and our dream home. Even if you imagined your dream home as a 6-bedroom mansion,…

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New to Canada? Information For First-Time Home Buyers in BC

December 1, 2024

Good day Friends, Welcome to winter! The Elk Valley is a destination around Canada and the world for employment in resources. Elkford recently welcomed several families from South Africa for work at EVR. Many of them have been or will soon be looking to buy homes. To help you as consultants in this very important…

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