VS Solutions En
98 Brandt St R5G 0V2 Steinbach, MB, Canada

The Federal Government has changed the Bank of Canada Qualifying rate to try to make it easier for first time buyers to purchase a home. Here is a brief explanation in simpler terms. Currently rates are around 2.74%-2.79% for 5 Years Fixed but if a person is buying a house, I need to qualify you assuming the interest rate is 5.19%. That means that today, we are qualifying you based on a rate which is 2.40%-2.45% higher than the actual rate being offered. In an effort to help ...young purchasers buy a house, the Bank of Canada announced that in April, the "qualifying rate" will now simply be 2% higher than the average 5 Year Fixed Bank rate. This potentially means more fluctuation in qualifying rate but as of now, it means that our clients will qualify to purchase at a higher value. The effort is designed to hopefully stimulate the housing economy in a positive manner. In our opinion, anything that is benefitting the consumer is certainly welcomed. If you would like to get started on qualifying for a mortgage, please call us @ (204)326-4479 or send us an email [email protected]. See more

B.C. clients and those considering to move, please read this article. They are 100% correct that no bank will finance a house without insurance. In fact, those who have a mortgage are not safe either. If your condo corporation cancels your insurance, they bank will demand that your mortgage be paid in full and they could even begin foreclosure proceedings. Of course to those that own these condos, it will mean a major price correction. Even if you are one of the lucky ones w...ho has condo insurance still in place, if your property value is less than your mortgage amount, we cannot move you to another bank. This is the reason why I placed your mortgage with low penalty client friendly banks that will offer you competitive rates at renewal. To those planning to buy, it could mean that a pricing correction drops that dream property by hundreds of thousands making everything more affordable with your budget. https://bc.ctvnews.ca/warning-of-collapse-in-b-c-condo-mark See more

I hope that you find meaning in the message of this video. This is a true story when during Christmas, English and German soldiers stopped shooting and left the trenches, temporarily forgetting that they were fighting against each other. The video shows us that we are all living people with feelings and emotions. At home, relatives and friends are waiting for us. Regardless of nationality and religion, we are all human beings with purpose. This video particularly touched me, ...as I speak both languages. Let's stay "human" in every situation. Spend this wonderful holiday with your loved ones and those nearest to your heart. Merry Christmas friends!

What sets the "All in One" product apart from the rest of the traditional mortgages is the way the account is structured to work. With a traditional mortgage, your mortgage payment is taken periodically from your bank account. Every bank says you can pre-pay your mortgage faster, but believe me, those that do are a very small percentage. Statistically only 5% of all clients maximize their pre-payment potential. The "All-in-One" account combines your mortgage with your chequin...g and savings accounts. This means that every time you deposit your payroll, your spouse's payroll, or any other income (like Canadian child benefits) your mortgage balance is immediately reduced by the amount that you deposited. You are instantly saving money on interest. Your money is working for you every minute not just once in two weeks or once on a month. Let's say that you have $5,000.00 sitting in your savings account for a rainy day emergency fund. The banks are paying you less than 2% interest on your account. That means you are earning less than $8.50 per month in interest meanwhile the banks are charging you roughly 3% on your mortgage balance. With "All-in-One", you can move this "rainy day" money into your account and immediately start saving. When you need to take money out, you can do it any time. The "All-in-One" gives you a debit card, cheques, credit cards, and they have over 3500 ATM's across Canada. It is like a normal bank, but one that finally works for you. With traditional banking, your chequing account only benefits the bank and if you need funds, they give you the general public's money back in the form of loans and charge you interest. On average, our 5 big banks have over 450 billion dollars in their client's chequing accounts which they use for these loans. They pay on average 0.001 % interest on these operating accounts, which makes it like free money for them. Here is the best part...this program offers interest rates similar to the lowest rates we see in the industry. If you think that this product sounds interesting please call us. We have a strategy that we call "VS All-in-One" that we have developed internally. As Manulife's #1 Volume Mortgage Broker we have learned how to properly structure the account to maximize your results and help you be debt free years sooner. *To qualify for this product, you must have a minimum of 20% down payment/equity in your existing home. Some restrictions may apply. For a full list of exclusions please call us at 204-326-4479 or email to [email protected]

Dear friends and valued clients, I would like to sincerely thank you for taking time from your day yesterday to wish me a happy birthday. This year is a the big one for me. 50 Years Old. Unfortunately I was not able to spend the day with my family as I am here with Manulife in a training seminar trying to learn new strategies and improve your experience. Manulife has surprised me on my birthday and certainly made me feel special and I truly value our business partnership.... Here are a few fun photos that I really want to share. Thank you to everyone, your well wishes certainly made me smile. See more