WHAT WE OFFER
Personalized Mortgage & Financial Solutions for
Every Stage of Life
Dedicated to offering customized mortgage options with honesty and clarity. Discover our diverse range of financial solutions designed to fit your goals. Whether you’re purchasing your first home or expanding your investment portfolio, we’re here to guide you with expert advice and trusted support every step of the way.
Get Ready to Buy with Confidence
Lock in your rate early and know exactly what you can afford.
Pre-qualification gives you an advantage in a fast-moving market — so you can shop smart and stress-free.
Your First Home in Canada, Made Easy
New to Canada? We’ll guide you every step of the way.
From understanding mortgage basics to final approval, we simplify the process so you can feel confident and supported.
Home Financing That Fits Your Life
Every home is unique your mortgage should be too.
Whether it’s a family home, vacation property, or second residence, we’ll customize a solution that works for you.
Grow Your Wealth Through Real Estate
Smart financing for serious investors.
From rental condos to income-generating properties, we help you build a strong and sustainable real estate portfolio.
Renew Smart, Save More
Make your renewal work for you.
When your mortgage term ends, explore better rates and terms instead of accepting your lender’s default offer. I’ll help you find the most cost-effective renewal strategy.
Retire with Financial Freedom
Access the value in your home without selling.
A reverse mortgage lets you turn home equity into tax-free cash, helping you enjoy retirement with flexibility and peace of mind.
Simplify Debt, Strengthen Your Credit
One payment, less stress.
Combine multiple debts into a single, affordable mortgage payment — regain financial balance and rebuild confidence in your financial future.
Finance Your Dream Home Project
From blueprints to renovations we’ve got you covered.
Get financing that supports new builds, remodels, and major upgrades with flexible options designed around your plans and budget.
Mortgage Programs for Professionals
Tailored lending for high-income careers.
Doctors, lawyers, and other professionals enjoy exclusive mortgage options with enhanced borrowing power and flexible repayment structures.
Business & Commercial Financing
Funding built for growth.
Whether you’re expanding your workspace, investing in property, or leasing equipment, we deliver lending solutions designed to scale with your business.
Refinance with Purpose
Unlock your home’s potential.
Access your home equity to invest, renovate, or simplify finances — all while keeping your future goals on track.
Current Term Rates
Best 5-Year Fixed Mortgage Rates in BC
3.99 %
4.61 %
4.19%
4.69%
Best 5-Year Fixed Mortgage Rates in BC
4.14 %
4.53 %
4.45%
4.79%
Best 5-Year Fixed Mortgage Rates in BC
4.14 %
4.49%
4.44 %
Best 5-Year Fixed Mortgage Rates in BC
4.09 %
4.49 %
4.39%
4.59%
Best 5-Year Fixed Mortgage Rates in BC
4.65%
Best 5-Year Fixed Mortgage Rates in BC
4.79 %
4.54%
4.93 %
Best 5-Year Fixed Mortgage Rates in BC
5.49 %
4.99%
5.53 %
Current Term Rates
TD
4.95 %
RBC
4.95 %
CIBC
4.95 %
BMO
4.95 %
ScotiaBank
4.95 %
National Bank
4.95 %
For the latest official rates, visit the Bank of Canada: Posted Interest Rates
Trusted Mortgage Expertise Any Need. Every Solution.
With experience in mortgage origination across Canada. I’ve helped countless clients find the right financing for their homes, investments, and businesses. I bring proven expertise supported by advanced qualifications in financial planning and investment management.
My philosophy is simple clients always come first. From our first conversation to renewal and beyond, I strive to make the mortgage process clear, efficient, and stress-free. Whether you’re purchasing your first home, expanding your investment portfolio, or funding a business venture, my goal is to deliver solutions that truly fit your individual needs.
When I’m not helping clients reach their financial goals, I enjoy spending time with my family and caring for animals values that continually inspire my approach of trust, care, and commitment.
Our Commitment
I go beyond traditional mortgage services I focus on building lasting relationships founded on trust, insight, and innovation. Whether you’re purchasing your first home or expanding your investment portfolio, I tailor flexible, personalized financing strategies that align with your goals and vision.
Client-Focused Approach
Your goals always come first. I’m committed to solutions that work for you.
Knowledge & Trust
Licensed expert delivering insight, trust, and transparency.
Enduring Partnerships
My support doesn’t end at closing — I’m here to guide you through renewals, refinancing, and every stage of your financial journey.
Why Clients Trust Me
Expereinced
Mortgage expertise across Canada.
Mortgage Specialist
Trusted across Canada.
Global Lending Knowledge
Residential, commercial, and specialized lending expertise.
Recognized Excellence
Licensed broker delivering award-winning mortgage solutions.
Residential Mortgage Questions & Answers
What is a mortgage and how does it work in Canada?
A mortgage is a loan from a bank or lender that helps you buy a home. You repay it over time in regular installments that include both the principal (the money you borrowed) and interest (the cost of borrowing).
What is the minimum down payment required in Canada?
As of December 15, 2024, the updated rules are:
Homes priced at $500,000 or below: Minimum 5% down payment
Homes priced between $500,000 and $1.5 million: 5% on the first $500,000 + 10% on the remaining amount
Homes priced at $1.5 million or above: Minimum 20% down payment
Do first-time homebuyers get any incentives?
Yes! The First Home Savings Account (FHSA) allows you to save up to $8,000 per year, up to a lifetime maximum of $40,000, completely tax-free for your first home. You can also combine the FHSA with the Home Buyers’ Plan (HBP) and the First-Time Home Buyer Incentive for even greater benefits.
What government programs help first-time buyers?
First Home Savings Account (FHSA): Save tax-free for your down payment.
Home Buyers’ Plan (HBP): Withdraw up to $35,000 from your RRSP to use toward your first home.
First-Time Home Buyer Incentive: A shared-equity program where the government contributes toward your purchase.
What is the stress test?
The mortgage stress test is designed to confirm that you can still afford your payments if interest rates increase. Lenders assess your eligibility using the higher of:
Your mortgage contract rate plus 2%, or
The Bank of Canada’s benchmark qualifying rate.
What is a fixed-rate mortgage?
A fixed-rate mortgage has an interest rate that stays the same for the entire term. In Canada, fixed mortgage rates generally move in line with Canadian government bond yields, so they often rise or fall based on bond market trends.
What is a variable-rate mortgage?
A variable-rate mortgage has an interest rate that can fluctuate throughout the term. It’s typically tied to the lender’s prime rate—so when the prime rate shifts, your interest rate (and possibly your payments) can rise or fall accordingly.
What is mortgage default insurance (CMHC, Sagen, Canada Guaranty)?
If your down payment is under 20%, you’re required to purchase mortgage default insurance through CMHC, Sagen, or Canada Guaranty. This insurance protects the lender if you’re unable to make your payments, and it also enables you to qualify for a mortgage with a down payment as low as 5%.
Is mortgage insurance refundable?
No, mortgage insurance premiums are non-refundable once paid. However, you do have the option to roll the premium into your mortgage, allowing you to pay it off gradually rather than upfront.
What is mortgage portability?
A portable mortgage allows you to transfer your current mortgage to a new property when you move. This helps you avoid prepayment penalties and lets you keep your existing interest rate and terms, potentially saving you money.
Can I transfer my mortgage to another lender?
Yes. When your mortgage term ends, you can transfer (or switch) your mortgage to a different lender, often without penalties. This allows you to shop around for better rates and terms at renewal time.
What happens when my mortgage term ends?
When your mortgage term expires, you’ll need to renew it. You can either stay with your current lender or move to a new one if they offer better rates or more suitable terms.
What is refinancing a mortgage?
Refinancing means replacing your existing mortgage with a new one—often to access your home equity, consolidate debt, or secure a lower interest rate. It may come with new fees and requires you to requalify under current lending rules.
What happens if I break my mortgage early?
You’ll usually pay a penalty, which could be three months’ interest or an interest rate differential (IRD)—whichever is higher, depending on your lender.
Can I make extra payments on my mortgage?
Yes! Most lenders allow annual lump-sum payments (typically 10–20% of the original mortgage) and/or increasing your regular payments without penalty. These prepayments can help you pay off your mortgage faster and save on interest.
Can self-employed Canadians qualify for a mortgage?
Yes, self-employed buyers can qualify for a mortgage, but lenders typically require additional documentation—such as tax returns, financial statements, or business bank records—to verify your income.
Can newcomers to Canada get a mortgage?
Absolutely. Many lenders offer dedicated mortgage programs for newcomers, requiring proof of income, a valid work permit or residency status, and in some cases only a limited Canadian credit history. These programs are designed to help new Canadians achieve homeownership sooner.
What Our Clients Say About Us
“Prime Minus Mortgage made the entire mortgage process stress-free. Their guidance helped me find the perfect rate for my first home.”
Katerina Paterson
Happy Client
“I refinanced my mortgage with Prime Minus and saved thousands. Professional, honest, and quick to respond!”
Johnny Fountain
Happy Client
“Their expert advice gave me confidence as a first-time buyer. Couldn’t have asked for better support!”
Melissa Clark
Happy Client
“Amazing experience from start to finish. They understood my goals and delivered a solution that fit perfectly.”
David Johnson
Happy Client