Bespoke Lending Solutions
#105 Vancouver, BC, Canada

Passionate people are wanted! It’s important as a mortgage broker to be in a dynamic environment to think, grow and develop new ways of doing business. It’s the competitive edge you have over your competition which translates into enhanced performance and a more meaningful experience. Work / Life balance is key and achievable! DM or call directly to learn how we can help you succeed as a mortgage broker. ... Available for mortgage inquires as well. -Shaun Francis- 604 787 4492

Thank you for the latest feature @kivodaily , checkout my Instagram story to read the full article.

Always working hard for my clients. I'll work for every client with the same passion and effort I worked with for my first!

#3 - Only Looking at Mortgage Rates From One Lender . Make sure you are doing your due diligence when it comes to your mortgage. You need to speak to an experienced mortgage broker who will look for the best rates and mortgage products for you!

I had some questions about my last post asking "So if my bank is paying you commission on my loan, am I going to pay more for a loan? . The answer is no, you will get a better deal on a loan if you use a mortgage broker! . Basically, the banks have to pay someone to work with you and this way, they’re just paying the mortgage broker and they don’t have to pay an employee on-staff full time. So, this isn’t going to add to the value of your loan and you aren’t going to get a higher interest rate. In fact, the chances are, you’re going to be able to access a lower interest rate. Either because your broker can give you access to a wider variety of lenders or they may be able to negotiate on your behalf.

A client I was working with recently messaged me saying "I can't believe working with you was free, man! You've done so much work for us, thank you so much." . Yes, working with a mortgage broker is free to you, and yes, we do put a lot of time into every client we have, and no, we aren't living on the street. The reason mortgage brokers are free is because we are paid by the banks and lenders when you successfully get a loan, so working with us comes at absolutely no cost to you!

**Mortgage Rate Update** The Bank of Canada held the key lending rate at 1.75% last week. They didn't offer a signal that they will lower interest rates at their next policy in 8 weeks, saying only that they "will pay particular attention to global development and their impact on the outlook for Canadian growth and inflation." . Have questions? - I have answers! DM me anytime!

Did you know that 15% of the Canadian population is self-employed (including myself!) . Canadian lenders are recognizing this rising demographic and are offering more opportunities for self-employed citizens to secure a mortgage. . Contact me for details!

If you have decided to take the step towards home ownership, your first move should be meeting with a #MortgageBroker, not a real estate agent. . One of the most important points of a pre-approval is to set expectations for affordability. . Getting pre-approved before you shop for homes will save you and your real estate agent time!

Hello September! The days might start getting a bit colder, but the market sure isn't. Fall is a great time to buy and we're expecting to be busier than ever here at Bespoke.

What is the difference between a co-borrower or a guarantor? . A co-borrower is when the co-signer is placed on the title as an owner of the home and the lender considers this person equally responsible for the debt if the mortgage goes into default. . A guarantor is responsible for the loan if it goes into default but does not have ownership of the property.

A friendly reminder: Call your mortgage broker! . There are amazing opportunities to be had on real estate in Greater Vancouver at the moment, so it’s the perfect time to upgrade your home or purchase an investment property!

Was it a bad day or a bad 5 minutes you thought about all day? . It is important to try and not let the little things get to you. Take some time out of your day to reflect on your mindset and check in if there is any negativities you can let go of.

Some of the benefits of owning an investment property are: You are building equity. It is a great retirement plan. You aren't paying your mortgage out of pocket as your tenant is paying you rent. .... On the other hand: You are a landlord so you have to deal with issues such as collecting rent or handling leaky pipes. . Investment properties aren't for everyone, but they certainly can be a great way to grow your income! See more

Something to think about: In a recent survey, 24% of Canadian parents said they've had to help their children buy a home and 35% said they have had to help with their children's rental payments. . The reality is, living expenses are going up, and sometimes, we need to help our children to get ahead. If you own your home, refinancing it could be a great option to help your family with some cash!

Did you know? You don't need perfect credit to get a great rate on a mortgage. Call me today to find out more!

Being self-employed has it's benefits, but it can mean that finding a mortgage solution can be a bit harder due to factors like your income being offset by your expenses. . As a mortgage broker, I have connections with lenders who provide out-of-the box mortgage solutions to self-employed individuals. Send me a message to find out more!

You know it's a good end of the week when your clients close on their dream home with a great mortgage! Happy to end it off with a bang and excited for some down time with the family. Enjoy the weekend everyone!

Did you know! Monoline lenders are non-bank lenders that are accessible only through mortgage brokers. These lenders offer all the bells and whistles of a traditional bank, but typically come with better rates. . Allow me to help you explore options outside the box and ensure you have the best mortgage solution for you and your family!

Back from the long weekend in full force with lots of pre-approvals worked on today! . With the qualifying rate dropping from 5.34% to 5.19% last month, I am finding my clients are getting approved for higher amounts!

When you are ready for that vacation home, renovation, or big purchase... call me. Refinancing with me is easy and can put cash in your pocket.

It's pride week in our city! Proud to live in such an accepting, open, and caring place.

Focused. Focused on helping you make the right financial decisions. Focused on making sure you are educated about your options. Focused on doing my absolute best so you can live your absolute best.

This week the federal government clarified some of the details around their First-Time Home Buyer Shared Equity Program - This means, that the government can contribute 5% (for an existing home) or 10% (for a new build) of the purchase price and they would own that percent of the property value. When the home is sold, they would share in the profit or loss of the sale. . To qualify, maximum household income must be less than $120,000 and the mortgage amount must be less than 4 times the household income. . Message me if you have any questions on this program!

Do you know your credit score? . Your credit score is one of the key aspects that determines your eligibility to get a mortgage as well as your interest rate. . I strongly recommend to be up to date with your credit score so you are aware of your overall credit health!

... He's responsive, honest and genuinely cares about the people he works for. Give him a shot, I'm sure you'll have an outstanding experience." - James . A review and referral is the best compliment I can get! Thank you, James, always a pleasure working with you!

Is a refinance right for you? One good reason to refinance is to cash in on your home's equity - but is now the right time? Call me to find out!

Time for a #MortgageNews update! . The bond market is beginning to show some upward momentum which means that fixed rates could begin to rise!

When applying for a mortgage, PLEASE do not do any of the following without consulting your #MortgageBroker first! . Make large, undocumented bank deposits Change your employment status Open or close any credit accounts... Co-sign a loan for anyone else Get married or divorced See more

A midweek #Mindset check-in. . Is there something that you keep putting off or get anxious when you think about doing it? Here is your gentle reminder to . Trust me when I say you'll feel great when you've completed that task!

Happy Monday everyone! Back in full work more and have an important stat to share with my renters out there! . According to a recent Zillow Housing Aspirations Report, now, more than ever, renters are having regrets in not making the decision to buy earlier. . If you're thinking about making the switch from paying someone else's mortgage to your own, give me a call!

An end to another great week! Helped two of my clients finance their dream homes and am really excited about the rate and terms they secured. . Have a great weekend everyone!

Love the hustle of this city! #HomeLove

Happy Canada Day! Feeling so blessed to live in such a beautiful country. . @CuriocityVancouver

I've noticed a lot of new followers on Instagram (thank you!) and wanted to take a moment to re-introduce myself. My name is Shaun Francis and I am a Mortgage Broker in Vancouver, BC. I am a co-founder of @BespokeLending and aside from working, you can find me spending quality time with my beautiful wife and baby boy. . I'd love to hear from you too! Comment below where you are from.

You've got to win in your before you win in your . . A little midweek #Mindset motivation!

As I'm always on the go and in-between meetings, I often find myself working at coffee shops. I always try to find somewhere with great coffee and strong wifi. . What are some of your favourite public spaces to work at?

Every man needs at least one good, solid watch. Though I have a few, this one might be my favourite. Welcome to the family, @Rolex