Mortgages To Fit Your Life Plan

Professional advice for working professionals

So you can live your best life with a strategy to achieve your real estate and financial goals

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Getting a mortgage on your own with a traditional bank can COST you!

Frustration

with paying more overall costs for your mortgage beyond rate

Overwhelmed

with spending excessive time researching for options

Struggle

with making the right decision without a mortgage professional whose interest is aligned with you

Miss out

on options and expertise that the banks do not offer

We believe you deserve

You deserve a mortgage that works for you.  Finding and financing your home is a huge investment in time and money.  For most, it is the biggest financial investment they’d ever make in their lifetime.

Ther
efore, your mortgage should fit into your overall financial strategy.  Unfortunately, the mortgage industry isn’t set up that way.  Most banks and mortgage providers are very transactional, and rate focused.  We want to provide you with much more to ensure you are empowered in the process, get clarity on where you are going and be confident that your mortgage fits into your overall financial life plan.


Let us be your strategic mortgage partners

Matthew Chan
CPA, CA
Mortgage Consultant
MEET THE TEAM

Matt still remembers clearly when he bought his first home.  At the time, he was still raising a very young family and just started his new mortgage career.  The prospect of buying his first home was overwhelming and downright terrifying.


Matt also remembered the feeling when he bought his first investment property.  There was a lot of anxiety he had no idea what it meant to be a landlord, whether or not it was the right decision and time to buy and even if it was affordable.


Because of this experience and his love of real estate, Matt is dedicated to supporting others to achieve their dream of home ownership.  Whether you are buying your first home or aspire to build a real estate empire, Matt is committed to providing a sound strategy to achieve your goals.


After starting his career as a professional accountant and achieving his CPA (CA) designation in Vancouver, Matthew moved to Toronto to pursue an MBA from the Rotman School of Management at University of Toronto.  In 2004, Matthew moved back to Vancouver to raise his family and start his mortgage career.


Since starting his career, Matthew has served as a board member for the Canadian Mortgage Broker Association of BC and achieved Elite Hall of Fame status with Dominion Lending Centres. Matthew is also an avid Real Estate Investor and loves to share his knowledge and passion of real estate investing with others.


With his professional qualifications, educational background, industry experience as both a mortgage professional and as a real estate investor, Matthew has the skillset to advise you on your mortgage and real estate goals. 


When not in his office, Matthew enjoys spending time with family and friends, training Gracie Jiu Jitsu and pursuing personal and professional development.

Here are some nice things clients say about working with us

Let us help you find a mortgage that best fits your life plan   
Budget
Proposal

We review both the costs to complete and the regular recurring costs of home ownership with you so you feel secure and confident to move forward every step of the way.

Mortgage
Options

We listen to you and provide advice and financial education.  With access to multiple lenders and products, we can review and present options that fit with your plan.

Support You Throughout the Process

We keep you regularly updated from the start to completion.  Once you complete, we continue with regular updates to ensure we are still moving towards your goals.

We'll guide you to a solution with these 3 simple steps

Schedule A

Discovery Call

We get to know each other a bit better and learn more about what your short term and long term real estate and financial goals are. We get a high level view of what your options could look like. 

Build a Custom Mortgage Proposal and Review Strategy with You

After we review your application in more depth, we propose options and help you evaluate the pros and cons of each, You get more clarity on your strategy for your long term goals.


We Implement

The Plan

With more insight, you choose the option that best fits your life. We handle the rest. You feel confident and empowered knowing you made a great decision.

Download My Mortgage Toolbox using my personal install buttons below so you can get exclusive access to all premium features.

WHAT CAN YOU DO WITH MY APP:

 

  • Calculate your total cost of owning a home
  • Estimate the minimum down payment you need
  • Calculate Land transfer taxes and the available rebates
  • Calculate the maximum loan you can borrow
  • Stress test your mortgage
  • Estimate your Closing costs
  • Compare your options side by side
  • Search for the best mortgage rates
  • Email Summary reports (PDF)
  • Use my app in English, French, Spanish, Hindi and Chinese

 

ARTICLES

By Matthew Chan May 28, 2025
Although it’s ideal to have your mortgage paid off by the time you retire, that isn’t always possible in today’s economy. The cost of living is considerably higher than it has ever been, and as a result, many Canadians are putting off retirement, hoping to make just a bit more money to add to that nest egg. So if you find yourself in the position where you’re considering your mortgage options into retirement, you’ve come to the right place. The advantage of working with an independent mortgage professional instead of a single bank is choice. When you work with an independent mortgage professional, you won’t be limited to an individual institution’s products; rather, you will have access to considerably more options. Here are some options available to older Canadians as they plan for mortgage financing through their retirement. Standard Mortgage Financing If you’ve got a steady income, decent credit, and equity in your home, there is no reason you shouldn’t qualify for standard mortgage financing, which usually comes at the lowest interest rates and best terms. Some lenders use pension and retirement income to support your mortgage application even if you’ve already retired. Reverse Mortgage Financing A reverse mortgage allows Canadian homeowners 55 years and older to borrow money from their homes with no proof of income, no credit check, and no health questions. A reverse mortgage is a fabulous mortgage solution that has helped thousands of older Canadians enhance their lifestyle. Home Equity Line of Credit (HELOC) A line of credit secured to the equity you have in your home is an excellent tool to allow you to access money when you need it but not pay interest if you don’t need it. Many older Canadians like the idea of rolling all their expenses and income into one account. Private Financing If you happen to be in a bit of a tight spot, you have a plan but need a financial solution; private financing might be the answer. Indeed not the first choice for many because of the higher interest rates. However, private financing can provide you with options where a traditional bank can’t. If you have any questions about securing mortgage financing for your retirement, please connect anytime. It would be a pleasure to work with you and walk you through all your options.
By Matthew Chan May 21, 2025
You’d think an online calculator is a pretty straightforward device, one that you should be able to place your confidence in, and for the most part, they are. Calculators calculate numbers. The numbers are reliable, but how you interpret those numbers, not so much, especially if the goal is mortgage qualification. If you rely on the numbers from a “What can I afford” or “Mortgage Qualification” calculator without talking to an independent mortgage professional, you’re going to be misinformed. Don’t be fooled. Even though an online mortgage calculator can help you calculate mortgage payments or help you assess how additional payments would impact your amortization, they’ll never be able to give you an exact picture of what you can afford and how a lender will consider your mortgage application. While mortgage calculators are objective, mortgage lending isn’t. It’s 100% subjective. Lenders consider your financial situation, employment, credit history, assets, liabilities, the property you are looking to purchase. Then, they will compare that with whatever internal risk profile they are currently using to assess mortgage lending. Simply put, they don’t just look at the numbers. An online calculator is a great tool to help you run different financial scenarios and help assess your comfort level with different payment schedules and mortgage amounts. However, if you rely on an online calculator for mortgage qualification purposes, you’ll be disappointed. The first step in the mortgage qualification process is a preapproval. A preapproval will examine all the variables on your application, assess your financial situation, and provide you with a framework to buy a property based on your unique circumstance. Securing a preapproval comes at no cost to you and without any obligation to buy. It’ll simply allow you the freedom to move ahead with confidence, knowing exactly where you stand. Something a calculator is unable to do. Please connect anytime if you’d like to talk more about your financial situation and get a preapproval started. It would be a pleasure to work with you.
By Matthew Chan May 14, 2025
Divorces are challenging as there’s a lot to think about in a short amount of time, usually under pressure. And while handling finances is often at the forefront of the discussions related to the separation of assets, unfortunately, managing and maintaining personal credit can be swept aside to deal with later. So, if you happen to be going through or preparing for a divorce or separation, here are a few considerations that will help keep your credit and finances on track. The goal is to avoid significant setbacks as you look to rebuild your life. Manage Your Joint Debt If you have joint debt, you are both 100% responsible for that debt, which means that even if your ex-spouse has the legal responsibility to pay the debt, if your name is on the debt, you can be held responsible for the payments. Any financial obligation with your name on the account that falls into arrears will negatively impact your credit score, regardless of who is legally responsible for making the payments. A divorce settlement doesn’t mean anything to the lender. The last thing you want is for your ex-spouse’s poor financial management to negatively impact your credit score for the next six to seven years. Go through all your joint credit accounts, and if possible, cancel them and have the remaining balance transferred into a loan or credit card in the name of whoever will be responsible for the remaining debt. If possible, you should eliminate all joint debts. Now, it’s a good idea to check your credit report about three to six months after making the changes to ensure everything all joint debts have been closed and everything is reporting as it should be. It’s not uncommon for there to be errors on credit reports. Manage Your Bank Accounts Just as you should separate all your joint credit accounts, it’s a good idea to open a checking account in your name and start making all deposits there as soon as possible. You’ll want to set up the automatic withdrawals for the expenses and utilities you’ll be responsible for going forward in your own account. At the same time, you’ll want to close any joint bank accounts you have with your ex-spouse and gain exclusive access to any assets you have. It’s unfortunate, but even in the most amicable situations, money (or lack thereof) can cause people to make bad decisions; you want to protect yourself by protecting your assets. While opening new accounts, chances are your ex-spouse knows your passwords to online banking and might even know the pin to your bank card. Take this time to change all your passwords to something completely new, don’t just default to what you’ve used in the past. Better safe than sorry. Setup New Credit in Your Name There might be a chance that you’ve never had credit in your name alone or that you were a secondary signer on your ex-spouse’s credit card. If this is the case, it would be prudent to set up a small credit card in your name. Don’t worry about the limit; the goal is to get something in your name alone. Down the road, you can change things and work towards establishing a solid credit profile. If you have any questions about managing your credit through a divorce, please don’t hesitate to connect anytime. It would be a pleasure to work with you.

We keep our articles up to date so you can stay informed.

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