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 September 17, 2025
Bank of Canada lowers policy rate to 2½%.  FOR IMMEDIATE RELEASE Media Relations Ottawa, Ontario September 17, 2025 The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.5%, with the Bank Rate at 2.75% and the deposit rate at 2.45%. After remaining resilient to sharply higher US tariffs and ongoing uncertainty, global economic growth is showing signs of slowing. In the United States, business investment has been strong but consumers are cautious and employment gains have slowed. US inflation has picked up in recent months as businesses appear to be passing on some tariff costs to consumer prices. Growth in the euro area has moderated as US tariffs affect trade. China’s economy held up in the first half of the year but growth appears to be softening as investment weakens. Global oil prices are close to their levels assumed in the July Monetary Policy Report (MPR). Financial conditions have eased further, with higher equity prices and lower bond yields. Canada’s exchange rate has been stable relative to the US dollar. Canada’s GDP declined by about 1½% in the second quarter, as expected, with tariffs and trade uncertainty weighing heavily on economic activity. Exports fell by 27% in the second quarter, a sharp reversal from first-quarter gains when companies were rushing orders to get ahead of tariffs. Business investment also declined in the second quarter. Consumption and housing activity both grew at a healthy pace. In the months ahead, slow population growth and the weakness in the labour market will likely weigh on household spending. Employment has declined in the past two months since the Bank’s July MPR was published. Job losses have largely been concentrated in trade-sensitive sectors, while employment growth in the rest of the economy has slowed, reflecting weak hiring intentions. The unemployment rate has moved up since March, hitting 7.1% in August, and wage growth has continued to ease. CPI inflation was 1.9% in August, the same as at the time of the July MPR. Excluding taxes, inflation was 2.4%. Preferred measures of core inflation have been around 3% in recent months, but on a monthly basis the upward momentum seen earlier this year has dissipated. A broader range of indicators, including alternative measures of core inflation and the distribution of price changes across CPI components, continue to suggest underlying inflation is running around 2½%. The federal government’s recent decision to remove most retaliatory tariffs on imported goods from the US will mean less upward pressure on the prices of these goods going forward. With a weaker economy and less upside risk to inflation, Governing Council judged that a reduction in the policy rate was appropriate to better balance the risks. Looking ahead, the disruptive effects of shifts in trade will continue to add costs even as they weigh on economic activity. Governing Council is proceeding carefully, with particular attention to the risks and uncertainties. Governing Council will be assessing how exports evolve in the face of US tariffs and changing trade relationships; how much this spills over into business investment, employment, and household spending; how the cost effects of trade disruptions and reconfigured supply chains are passed on to consumer prices; and how inflation expectations evolve. The Bank is focused on ensuring that Canadians continue to have confidence in price stability through this period of global upheaval. We will support economic growth while ensuring inflation remains well controlled. Information note The next scheduled date for announcing the overnight rate target is October 29, 2025. The Bank’s October Monetary Policy Report will be released at the same time.
By Matthew Chan September 10, 2025
Thinking About Selling Your Home? Start With These 3 Key Questions Selling your home is a major move—emotionally, financially, and logistically. Whether you're upsizing, downsizing, relocating, or just ready for a change, there are a few essential questions you should have answers to before you list that "For Sale" sign. 1. How Will I Get My Home Sale-Ready? Before your property hits the market, you’ll want to make sure it puts its best foot forward. That starts with understanding its current market value—and ends with a plan to maximize its appeal. A real estate professional can walk you through what similar homes in your area have sold for and help tailor a prep plan that aligns with current market conditions. Here are some things you might want to consider: Decluttering and removing personal items Minor touch-ups or repairs Fresh paint inside (and maybe outside too) Updated lighting or fixtures Professional staging Landscaping or exterior cleanup High-quality photos and possibly a virtual tour These aren’t must-dos, but smart investments here can often translate to a higher sale price and faster sale. 2. What Will It Actually Cost to Sell? It’s easy to look at the selling price and subtract your mortgage balance—but the real math is more nuanced. Here's a breakdown of the typical costs involved in selling a home: Real estate agent commissions (plus GST/HST) Legal fees Mortgage discharge fees (and possibly a penalty) Utility and property tax adjustments Moving expenses and/or storage costs That mortgage penalty can be especially tricky—it can sometimes be thousands of dollars, depending on your lender and how much time is left in your term. Not sure what it might cost you? I can help you estimate it. 3. What’s My Plan After the Sale? Knowing your next step is just as important as selling your current home. If you're buying again, don’t assume you’ll automatically qualify for a new mortgage just because you’ve had one before. Lending rules change, and so might your financial situation. Before you sell, talk to a mortgage professional to find out what you’re pre-approved for and what options are available. If you're planning to rent or relocate temporarily, think about timelines, storage, and transition costs. Clarity and preparation go a long way. The best way to reduce stress and make confident decisions is to work with professionals you trust—and ask all the questions you need. If you’re thinking about selling and want help mapping out your next steps, I’d be happy to chat anytime. Let’s make a smart plan, together.
By Matthew Chan September 3, 2025
Why the Cheapest Mortgage Isn’t Always the Smartest Move Some things are fine to buy on the cheap. Generic cereal? Sure. Basic airline seat? No problem. A car with roll-down windows? If it gets you where you're going, great. But when it comes to choosing a mortgage? That’s not the time to cut corners. A “no-frills” mortgage might sound appealing with its rock-bottom interest rate, but what’s stripped away to get you that rate can end up costing you far more in the long run. These mortgages often come with severe limitations—restrictions that could hit your wallet hard if life throws you a curveball. Let’s break it down. A typical no-frills mortgage might offer a slightly lower interest rate—maybe 0.10% to 0.20% less. That could save you a few hundred dollars over a few years. But that small upfront saving comes at the cost of flexibility: Breaking your mortgage early? Expect a massive penalty. Want to make extra payments? Often not allowed—or severely restricted. Need to move and take your mortgage with you? Not likely. Thinking about refinancing? Good luck doing that without a financial hit. Most people don’t plan on breaking their mortgage early—but roughly two-thirds of Canadians do, often due to job changes, separations, relocations, or expanding families. That’s why flexibility matters. So why do lenders even offer no-frills mortgages? Because they know the stats. And they know many borrowers chase the lowest rate without asking what’s behind it. Some banks count on that. Their job is to maximize profits. Ours? To help you make an informed, strategic choice. As independent mortgage professionals, we work for you—not a single lender. That means we can compare multiple products from various financial institutions to find the one that actually suits your goals and protects your long-term financial health. Bottom line: Don’t let a shiny low rate distract you from what really matters. A mortgage should fit your life—not the other way around. Have questions? Want to look at your options? I’d be happy to help. Let’s chat.

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