Morning Lee
Vancouver Mortgage Broker
Morning Lee
Vancouver Mortgage Broker
A real pre-approval first, so you know what you can carry and your offer holds up. Self-employed, newcomer, income hard to document — the bank is not the only door.
Morning LeeGreater Vancouver · mortgage / real estate · 30 years in business
Since November 2024 a straight switch at the same amount no longer needs a new stress test. You can start comparing 120 days out — look at one other lender before you sign.
Morning LeeGreater Vancouver · mortgage / real estate · 30 years in business
Renovation, debt consolidation, investing, working capital. Refinance, HELOC, second mortgage — the five-year total cost differs more than the rate does. Run the numbers first.
Morning LeeGreater Vancouver · mortgage / real estate · 30 years in business
55 and over. No sale, no monthly payment. It fits when retirement cash flow is tight but the mortgage is mostly paid down.
Held in a corporation, multi-unit, retail and office, self-employed with lean returns. Commercial underwriting reads the property’s numbers, not a pay stub.
Morning LeeGreater Vancouver · mortgage / real estate · 30 years in business
How rent counts as income, where lenders start saying no, and when it is time to change the structure. Investment property does not follow owner-occupied logic.
Morning LeeGreater Vancouver · mortgage / real estate · 30 years in business
Both licences in hand: showings, offers and approval without relaying messages between two people, and the dates line up.
Morning LeeGreater Vancouver · mortgage / real estate · 30 years in businessIf you are salaried with clean credit, this part is quick — often an answer within a day or two. The ones below take a few more steps. They are also the ones I do most.
You write your income down at tax time. The bank reads the T4 and stops there — not every lender does. Some read the deposits and the corporate statements instead.
How this works →The income is there, the shape is complicated — dividends, partnership draws, options, a practice you just opened. There are lender programs built for exactly this.
See the programs →No Canadian credit yet, the job just started. Newcomer programs look at your down payment and your background, not three years of local history.
What newcomers can get →A missed payment, a score down in the 500s. Not the end of it — a different lender tier, a different order of operations, and a plan to bring the score back.
Can a score be fixed →Real equity, money in the bank, and a tax return that does not show it. These get underwritten on the property and the assets, not on a pay stub.
When the bank says no →Three steps. No credit check in the first one.
Just tell me the situation. No credit check at this stage, and nothing to prepare first.
I take your situation to dozens of lenders and send you back one table of what actually came in — including why one beats another, and what it costs you.
Documents, appraisal, lawyer, dates — I stay on it through to funding.
My job is to help you succeed, not to push you into something you don’t need.
Our firm has branches and partners in every Canadian province and every US state. Wherever it is, I can take it — Greater Vancouver files are mine end to end, and elsewhere I connect you and stay on the file.
Then just tell me the situation. I will tell you which door to go through.