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 June 25, 2025
Chances are if the title of this article piqued your interest enough to get you here, your family is probably growing. Congratulations! If you’ve thought now is the time to find a new property to accommodate your growing family, but you’re unsure how your parental leave will impact your ability to get a mortgage, you’ve come to the right place! Here’s how it works. When you work with an independent mortgage professional, it won’t be a problem to qualify your income on a mortgage application while on parental leave, as long as you have documentation proving that you have guaranteed employment when you return to work. A word of caution, if you walk into your local bank to look for a mortgage and you disclose that you’re currently collecting parental leave, there’s a chance they’ll only allow you to use that income to qualify. This reduction in income isn’t ideal because at 55% of your previous income up to $595/week, you won’t be eligible to borrow as much, limiting your options. The advantage of working with an independent mortgage professional is choice. You have a choice between lenders and mortgage products, including lenders who use 100% of your return-to-work income. To qualify, you’ll need an employment letter from your current employer that states the following: Your employer’s name preferably on the company letterhead Your position Your initial start date to ensure you’ve passed any probationary period Your scheduled return to work date Your guaranteed salary For a lender to feel confident about your ability to cover your mortgage payments, they want to see that you have a position waiting for you once your parental leave is over. You might also be required to provide a history of your income for the past couple of years, but that is typical of mortgage financing. Whether you intend to return to work after your parental leave is over or not, once the mortgage is in place, what you decide to do is entirely up to you. Mortgage qualification requires only that you have a position waiting for you. If you have any questions about this or anything else mortgage-related, please connect anytime. It would be a pleasure to work with you.
By Matthew Chan June 20, 2025
If you’re a first-time homebuyer eyeing a new build or major renovation, there's encouraging news that could make homeownership significantly more affordable. The federal government has proposed a new GST rebate aimed at easing the financial burden for Canadians entering the housing market. While still awaiting parliamentary approval, the proposed legislation offers the potential for thousands in savings —and could be a game-changer for buyers trying to break into today’s high-cost housing landscape. What’s Being Proposed? Under the new legislation, eligible first-time homebuyers would receive: A full GST rebate on homes priced up to $1 million A partial GST rebate on homes between $1 million and $1.5 million This could mean up to $50,000 in tax savings on a qualifying home—a major boost for anyone working hard to save for a down payment or meet mortgage qualification requirements. Why This Matters With interest rates still elevated and home prices holding steady in many regions, affordability remains a challenge. This rebate could offer meaningful relief in several ways: Lower Upfront Costs: Removing GST from the purchase price reduces the total amount of money buyers need to save before closing. Smaller Monthly Payments: A lower purchase price leads to a smaller mortgage, which translates to more manageable monthly payments. Improved Mortgage Qualification: With a reduced purchase amount, buyers may find it easier to meet lender criteria. According to recent estimates, a homebuyer purchasing a $1 million new home could see monthly mortgage payments drop by around $240 —money that could go toward savings, home improvements, or simply everyday expenses. Helping Families Help Each Other This proposal also offers a win for parents who are supporting their children in buying a first home. Whether through gifted down payments or co-signing, a lower purchase price and more affordable monthly costs mean that family support can go further—and set first-time buyers up for long-term success. Is This the Right Time to Buy? If you’re thinking about buying a new or substantially renovated home, this proposed rebate could dramatically improve your financial position. Now is the perfect time to explore your options and make sure your mortgage strategy is aligned with potential policy changes. 📞 Let’s connect for a free mortgage review or pre-approval. Whether you’re buying your first home or helping someone else take that first step, I’m here to help you make informed, confident decisions.
By Matthew Chan June 19, 2025
Worried About Your Mortgage Renewal? You’re Not Alone  If your mortgage renewal is coming up soon, you're likely feeling a bit of financial pressure—and you’re not the only one. A recent survey shows that over half of Canadian homeowners believe their upcoming mortgage renewal could impact their current living situation. With interest rates still higher than what many borrowers locked in before 2022, 45% of those renewing in the next 12 months expect their monthly payments to increase. Even though the Bank of Canada has held its key overnight rate steady at 2.75%, borrowing costs remain elevated compared to the low-rate years we saw earlier in the decade. And that’s changing how Canadians think about their finances. Changing Plans and Tightening Budgets Among those worried about their renewal, 73% say they’re already cutting back on discretionary spending—things like eating out, entertainment, or travel—to brace for higher mortgage payments. For many, it goes deeper than just trimming the budget. Nearly one in four surveyed homeowners said they’re rethinking their entire financial strategy. Some are pressing pause on home renovations (43%), while others are considering downsizing or relocating to a more affordable area (29%). A smaller group (15%) is even open to major lifestyle changes, like moving in with roommates or relocating to a new neighbourhood altogether. Fixed-Rate Mortgages on the Rise In this climate, most homeowners looking to renew are leaning toward fixed-rate mortgages, with 75% preferring the stability of predictable payments. For those facing uncertainty, locking in a rate for the next few years can offer peace of mind—even if it means paying a little more in the short term. First-Time Buyers Are Feeling It Too It’s not just current homeowners feeling the pinch. A separate survey found that more than half of Canadians planning to buy a home are cutting back on non-essential spending to save for their down payment or other buying costs. About 31% are even considering tapping into savings or investment accounts like TFSAs, RRSPs, or first-time home savings accounts to make their purchase possible. What This Means for You Whether you’re preparing to renew or purchase for the first time, this environment calls for smart, strategic planning. You’re not alone in feeling uncertain—but with the right guidance, you can navigate these changes confidently. Have questions about your upcoming renewal or wondering what type of mortgage is right for today’s market? Let’s connect. We're here to help you make informed, confident decisions about your home financing.

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

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