Brent Keeling - Licenced Mortgage Expert

04/12/2023

04/05/2023

When calculating income for self-employed individuals, it is most common to use a 2-year average. This means the income you declare for 2022 will affect this average until 2025 taxes are filed. 🔢

If you plan to purchase a home in the next 2 years, it's important to work with your accountant and Mortgage Broker to plan ahead 🗓️

Contact me today to learn more! 👇

📞 604-902-1761
📩 [email protected]
🌐 www.bkmortgageco.ca

04/05/2023

When it comes to home financing experts, I know you have a lot of options! 🤔 Here's why I think we'd work well together!

1️⃣ I have access to multiple lenders, helping me find you the best product for you.

2️⃣ Whether you are purchasing or up for renewal, I can help negotiate a better interest with that same lender or help you find a new one.

3️⃣ Educate you on the process and follow up before and after closing to ensure you have the best experience.

4️⃣ I work for you, not the lender. Helping you make financial decisions that work best for you, short & long term!

📞 604-902-1761
📩 [email protected]
🌐 www.bkmortgageco.ca

04/05/2023

You heard it here first... a TAX-FREE home savings account for first-time home buyers. This account will allow you to save up to $8,000 per year, with a lifetime limit of $40,000.💰

What are the advantages?

1️⃣ Contributions are tax-deductible, this will reduce your taxable income and qualifying withdrawals made to purchase a home won't be taxed.

2️⃣ Investment income isn't taxable (returns generated in the FHSA are always sheltered).

3️⃣ You won't need to pay back the amount and there's no withdrawal amount limit.

Contact me today to schedule a consultation and take the first step toward owning your home. 👋

📞 604-902-1761
📩 [email protected]
🌐 www.bkmortgageco.ca

FHSA

04/05/2023

Who doesn't love a giveaway..??

My brokerage puts on this amazing contest every month..!!

The live draw takes place on the 1st Monday of every month, and the next one will take place on Monday, May 1st

Congrats to our March Winner Andrea O.

Don't have a mortgage yet? That's OK. It can go towards your rent, or maybe even towards downpayment savings.

Here's how it works: 👇

1. Refer someone to me by providing their name, # and email address. It's super easy, you can do it through email, text, phone call, social media, etc. Let them know I'll be reaching out.

2. I'll enter your name into our monthly draw and email or text you a photo to validate your entry.

3. You'll get one entry per referral, and there's no limit on the number of entries you can have per month! Plus, the referral doesn't need to fill out an application or fund anything for you to have a valid entry. Just an honest conversation.

Questions? Let's connect 👇

📞 604-902-1761
📩 [email protected]
🌐 www.bkmortgageco.ca

04/05/2023

Have you checked in with your Mortgage Broker this year?👩‍💼👨‍💼

Checking in with your mortgage broker regularly could save you money 🏦

Your life is constantly changing, and so are the mortgage rates and policies. By regularly connecting with your mortgage broker, you can stay up-to-date on the latest mortgage options, and interest rates and find new ways to save money on your mortgage. 〽️

Whether you're planning to buy a home or want to refinance your current mortgage, keeping in touch with your broker is always a good idea. ✅

I'd love to chat! Call me today for a free annual review 📲

📞 604-902-1761
📩 [email protected]
🌐 www.bkmortgageco.ca

03/07/2023

A home equity line of credit may be a perfect option for you if you; 🏘️

- Own your home
- Have good credit
- Have adequate income
- Hold more than 20% equity in your home

𝐖𝐡𝐲?
Maybe you want to do renovations around your home or property. Maybe you're looking at a cottage or cabin or bare land that doesn't qualify for traditional mortgage financing. A secured line of credit is typically the cheapest form of revolving credit since it uses your home as collateral! 🏦

Talk to us today to see if a HELOC is right for you ⤵️

📞 604-902-1761
📩 [email protected]
🌐 www.bkmortgageco.ca

02/28/2023

Ever wonder what factors determine your credit score? 🤔
The most important factor is your payment history, making up 35% of your score.❗

Lenders want to know that you will pay them back the money you are asking to borrow from them.🏦

Your payment history accounts for ALL payments you make to ALL your debts on file. Each creditor reports when you pay them, whether you are on time, late, past due, etc. 📄

Call me today and we can chat about your credit score and how it may be affecting your mortgage approval rates 👋

📞 604-902-1761
📩 [email protected]
🌐 www.bkmortgageco.ca

02/06/2023