Everything you need to plan with confidence—in one place. Use these Port Moody–focused resources to understand your options, get organized, and move from idea → approval → keys with fewer surprises.
[Get Pre-Approved] • [Apply Online] • [Book a Free Consultation]
Calculators
- Mortgage Payment Calculator — Model monthly payments across terms and rates.
- Affordability Calculator — Estimate your purchase power with the stress test.
- Refinance Savings Calculator — Compare interest saved vs. penalties/fees to find the break-even.
- HELOC vs Refinance Comparison — Flexible draws vs. lower blended rate—see the tradeoffs.
[Open Calculators]
Downloadable Checklists & Templates
- Pre-Approval Checklist — IDs, income docs, and 90-day down-payment history.
- Offer & Subjects Checklist — Financing, appraisal, strata docs, insurance, and timing.
- Closing Day Checklist — Lawyer, title insurance, property tax/strata adjustments, utilities.
- Refinance / Equity Takeout Checklist — Appraisal prep, payout statements, cost/savings plan.
- Self-Employed Package — T1/NOA, financials, bank statements, ownership docs.
- New to Canada Package — Status docs, employment letter, alternative credit options.
Prefer us to email these? [Request the Pack →]
Quick Guides (5-Minute Reads)
- Fixed vs Variable — Cash-flow certainty vs. flexibility; when each wins.
- Insured vs Insurable vs Uninsured — Premiums, LTV caps, and lifetime cost.
- HELOC + Mortgage Combos — Fixed payment + flexible line for renos/buffer.
- Bridge Financing — Buy-before-sell timing without stress.
- Investment Property Basics — Rental income treatment (offset vs add-back) and DSCR lens.
- Credit Essentials — Utilization, on-time history, and quick wins to strengthen your score.
[Read the Guides]
Government Programs (Know What You Can Use)
- First Home Savings Account (FHSA) — Tax-advantaged saving for first-time buyers.
- RRSP Home Buyers’ Plan (HBP) — Withdraw RRSP funds for your down payment.
- BC First-Time Buyer Property Transfer Tax Relief — Check eligibility and thresholds.
- GST New Housing Rebate (where applicable) — For qualifying new builds.
Rules change. We’ll confirm current eligibility during your consult. [Ask Us]
Strata Due-Diligence Toolkit (Port Moody Focus)
- Depreciation report & CRF health — Upcoming projects and reserve strength.
- Insurance summary — Deductibles and coverage changes affecting risk/cost.
- Bylaws (rentals/pets/short-term) — Align lender choice with building rules.
- Minutes & Form B — Spot patterns: leaks, elevators, envelope, special levies.
[Strata Review Guide]
Closing Costs (Plan Ahead)
Expect some combination of: legal/title fees, appraisal, title insurance, property tax/strata adjustments, home insurance, and property transfer tax (with first-time buyer relief where eligible). We’ll provide a line-by-line estimate before you commit.
[Get a Closing-Cost Estimate]
Mini Glossary
- Amortization — Length of time to pay off your mortgage (e.g., 25 yrs).
- Term — The period your rate/contract lasts (e.g., 5 yrs).
- MQR / Stress Test — Qualifying at a higher rate to prove affordability.
- LTV — Loan-to-value ratio (loan ÷ property value).
- GDS/TDS — Debt-service ratios lenders use to qualify you.
- IRD Penalty — Interest Rate Differential; potential cost to break a fixed term.
- Portability — Move your existing mortgage to a new property (case-by-case).
Need the Human Version?
Get quick numbers, a rate hold, and a step-by-step plan tailored to Port Moody & Tri-Cities.
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