We are experts at providing the right mortgage solutions to our potential homebuyers.

British Columbia's best Mortgage Broker Company

Latest Posts

Commissioning and Startup Companies in Alberta

First off let’s take a moment to talk about the meaning of “commissioning and startup” before diving in.

Commissioning and startup are described as the transitional period between the completion of a plant’s construction and the beginning of commercial operations. All actions that occur between these two stages are included in this phase, including the turn-over of systems, the checking and commissioning of systems, the introduction of material, and performance testing.

The commissioning phase is the last stage of a construction project. It is during this phase that the subsystems are connected to create the intended plant process and tested as a system to ensure that all project specifications are satisfied. Commissioning refers to the actions that occur between the completion of construction (or the installation of equipment) and the equipment being brought into service and turned over to the Owner’s operations team for continuing operation and maintenance. With advancements in technology we are witnessing more and more commissioning and startup companies in Alberta deciding to utilize project management software throughout the duration of the commissioning project. More on that later…

commissioning and startupThe commissioning team is formed during the design/construction phase, and this is when the core members of the commissioning team, as well as any additional support resources necessary from other parts of the project, are determined. Defining and preparing commissioning documents well in advance of the commissioning period is essential. As is organization of said documents.

Over the past number of years we’ve seen technological advancements in this sector whereas more and more commissioning and startup projects are now requiring tight guardrails around the organization of documentation and reporting material throughout the duration of the project. Intricate Group is an energy services provider with locations throughout Alberta and across Canada. One of their software products is what’s called internally as OE Manager. This is a commissioning project management software (cloud based) that encompasses project management tasks in the oil and gas sector from top to bottom. Or as Intricate puts it…”from wellhead to reporting”.

Remote site services at this point can be handled as required including all technical writing, competency development planning, operational readiness and other remote site services controls like budget, deliverables and document management – usually with software like Intricate’s OE Manager Commissioning & Startup project management module.

Upon completion of the commissioning phase, it is here that projects turn over in to the startup phase or also referred to as the commercial operations phase. Here operations managers and project leads will verify the commissioning systems put in place, check all newly introduced material and then finally begin performance testing of these systems. The plant’s production life cycle may now begin. Power transmission systems, liquid removal systems, or any other kind of industrial plant production or specialized system might be included in this list. The mechanical processes are gradually initiated, and the piping is set up for the first operational situations. Flows are initiated and monitored to make sure they are operating correctly. Verification of electrical contacts is carried out and power is gradually increased to functioning levels.

Plant representatives are on hand to ensure that the plant’s processes are running properly. As a system, the plant is currently operational and ready for further optimization while each step of the way all equipment is tested & verified to be working in accordance with specifications.

As you can see, commissioning and starting up an industrial level is a complex process. You get to watch the original idea come to life during this phase of the project, which may be a challenging endeavor.

Calgary Housing Markets on the Rise

calgary real estate market
Calgary & Area Real Estate Market Conditions

Between 2017 to 2019 we saw the Calgary housing market rise in value and volume. With Canada’s hottest markets struggling to figure out how to prevent future housing bubble bursts, like in the case of Vancouver, Victoria and out east with the top real estate market in Toronto, Calgary has remained a viable affordable investment option.

Rapid growth has been seen within the residential housing sector in Calgary especially within the areas around Auburn Bay, Cranston, Mckenzie Towne and New Brighton. Additionally many realtors in Calgary are stating that there is a steep rise in interest with respect to luxury homes for sale in Calgary with home prices rising sharply in 2018-19.

Most of the higher priced homes and condos are found in and around prestigious areas like Altadore, Elbow Park, Pump Hill and a few other areas known for their inventory of luxury homes for sale.

Analysts are stating that due to the lowering of mortgage rates or the past five to six months, that this has clearly helped boost home sales throughout the region. Laxed government mortgage rules also has helped. This was actually a blessing given some reports were showing that millennials could end up saving for 29 years to afford a home anywhere in Alberta.

A new federal program aiming to give homebuyers some help covering their mortgages will kick in on Labour Day of this year which coincides nicely just weeks before the federal election. Calgary realtors are expecting a boost in homes sales to come as a result of government assistance in this regard.

Furthermore the recent approval by city counsel and Mayor Naheed Nenshi of a 28 story residential building on 17th Avenue, should bring an influx of inventory to the market to keep up with demand.

Another contributing factor in the success of the Calgary real estate market is low vacancy rates for rentals. As more and more millennials find it harder to get in to their own homes, they are subsequently forced to settle in to a rental which clearly has improved the bottom line for landlords savvy enough to have invested before prices began to rise.

The forecasts for  the Calgary housing market Q4 2019 and in to 2020 are displaying positive numbers in both residential growth and commercial albeit commercial is growing at a slower pace than residential. And with lower mortgage rates coming, we should begin to see a bump in buyers throughout Calgary.

Top 3 Reasons To Deal In International Real Estate

thai homes for sale

As real-estate becomes more global together with the improved transparency and potential of the constantly evolving world wide web, real estate brokers have vast possibilities to obtain highly profitable international, cross country business that they didn’t until now have access to.

This income opportunity is substantial.

thai homes for saleSurprising to many is that ten percent of the total sales of real estate in the United States is associated with foreign clients. On top of that total sales figures in 2017 are demonstrating a trend deserving of your consideration for the reason that they are climbing by nearly fifty percent every single year totaling more than $150 billion. That is based on NAR’s 2017 Profile of International Activity in U.S. Residential Real Estate.

Because agents involved in foreign buyer dealings have been found to profit larger profits only enhances the charm of this segment of the industry.

“A notable proportion of international buyers and sellers are wealthy global elites looking for promising investments and luxurious vacation homes.” says Adam, a realtor in Round Top, Texas

However incorporating the international investor to your repertoire will not be as simple as finding them can be difficult.

Touching this segment of the marketplace however will involve overcoming a few obstacles including language and currency exchange to name a few. Commonly though a lot of international buyers aren’t going to buy in to a country without doing their homework and having measures in place to try to avoid any “lost in translation” problems.

For instance, China — a nation with a much different customs, language and real estate process than the USA — dominated the U.S. international market with $75.6 billion in activity in 2017, just about half of all U.S. real estate sold to foreign buyers that year.

Right about now you’re probably thinking about how to tap this highly lucrative segment of the real estate market.

CPROP’s end-to-end digital exchange management platform is designed to present real estate brokers to international leads and help them securely and transparently close deals.

The quick solution is that it will require technological innovation that facilitates correspondence and connects a group of screened companies to collaborate on ushering a deal from contact to close. Let’s set out a few ways any agents can get in to this market sector.

Sign up with a clear international system

Choosing to focus on international real estate buyers and sellers in one thing but making a success out of it is something else altogether. Brokers hoping to capture high-dollar international buyer attention and confidence should look for platforms which have an international target audience and provide a smooth link to buyers in a easy to use, streamlined and trusted environment.

Bear in mind you will want to be on the lookout for is segments of the internet with service providers which also supports automatic translations.

Think reliability and safety

As the old saying goes, long distance relationships scarcely last, nevertheless in this case they can and do you you simply have to prepare specifically in the case of dealing with multiple languages.

Preparing is vital to winning international real estate buys and included in preparation you must think trust and security.

The world recently has been introduced with a emerging method of protecting transactions on line. Blockchain technology has forever changed the way we transfer funds electronically. Blockchain technology permits security at degrees never accomplished before now. Real estate contracts when composed harnessing this technology, are forged forever in the encrypted shield and combating any changes to the contract from going undetected.

Blockchain technology is also advantageous to the investor by delivering a protected trustworthy technique to put funds in escrow.

Get dependable, streamlined collaboration

There is no questioning the hardships in closing even a regional deal although when you get started on doing business with international buyers and sellers you’ll discover a laundry list of new challenges you would have to traverse especially language barriers.

Grasping all the moving parts to your awaiting clients, leads and deals is critical to your success. Have you any idea the real-time status of anyone in your pipe right this moment? If you don’t you really should.

All of this being said, couldn’t you agree with the fact that an all-inclusive digital transactions SaaS software built to satisfy international real estate transactions from start to finish, become a welcome addition to all  real estate agents? Routine transparency simplifies interactions, loosens agent time and eases everybody’s mind.

When Renovating Your Bathroom Here’s What to Do

bathroom reno

Ya certainly a few folks may possibly simply look at any bathroom like just a bath room, however to you…it’s your paradise. The one challenge is that your own is not necessarily giving off the vibe you imagine for this particular in-home getaway. It is redesign time!

Its definitely a large job to take on, then again it’s nothing you can’t deal with on your own. Check out these 6 effective ideas to make the work simpler.

Break down the Numbers

Regardless of whether it is large or small, you ought to continually ensure that you have sufficient money before embarking on any household makeover project. The medium bath room renovation costs about $10,000, though more high-priced renovations have price tags of a lot more than 23k. Suggestion…be sure you have allocated enough to take on the project at hand.

Heads up! If you plan on moving in the forseeable future you will probably want to hold off on spending a bunch of cash on renovating. If however it improves the value of your home you’ll want to do it. Rooms such as the bath room and kitchen will sway a lot of prospective buyers, so an incredibly dated one may possibly require that type of refresh just before you sell.

Crunch the Budget

An often forgotten element though is – it is one thing to have a budget while something else to itemize it. That way you know where exactly every single penny will go with accuracy and reliability. No surprises. Majority of the time, you can bet that labor will set you back about a third of the spending plan.

At this point do you REALLY need those crystal handles on the tap? Trimming the fat to save some money is worthwhile also. With regards to cutting the fat you may be well advised to start with the lavish items. Items such as multi jet showers and heated flooring, could be dropped to save you a lot of money.

Discover Your Inner Inspiration

An average of 50 percent of men and women take around 10 and 30 minutes to get ready in the morning. Accept nothing short of perfect in your build for your renovation to the bathroom looking at the length of time you will be in there.

So, log on to Pinterest or look through a few design magazines till you find a handful of designs that you appreciate. Remember now, before you actually head out all Gung-Ho thinking you’ll be going to refurbish Buckingham Palace, stick with and discover the nuggets that you could afford.

Have a Back Up Set

Then before you get too far ahead of yourself, have you thought about what you’ll be doing while your bath room is out of commission for the duration of the remodeling time? This point should’ve been quite evident however it is worthwhile reminding you.

Have a 2nd bathroom? If not then it could possibly be time to ask good friends, family members or a next door neighbor to use their’s in the midterm. An outhouse is one more good alternative if you’re uncomfortable with the other options revealed above. Needless to say it’s sensible to think of all this before it is already happening and you happen to be strapped.

Find the Cash

If there exists a single soar spot for many house renovators is the unexpected expenditures you may not have planned. That is why it is advisable to plan for added expenses in your budget. Property remodeling loans are also typical but you will still be expected to supply a expense breakdown.

“That isn’t all though, there are a plethora of alternative possibilities with regards to financing your reno. But loans are not the only way to get capital.” says Armando of Galvan Real Estate Services. “There are equity draw, home mortgages or even taking from your personal mattress cash. You have to be sure you’ve got everything in order and that you are safe in the financing department.” she would add.

Continue To Keep Diligent

Referring back to your plan/budget should happen throughout your project. Make certain that your spending is in control and that you’re adhering to the design you originally pictured. Your bathroom reno doesn’t need to be upsetting. Just stick with your defined plan and preserve strict conformity to your budget and you’ll be golden. At the conclusion of it all you’ll be able to relax and enjoy the fruits of your well-planned and executed bathroom renovation by taking pleasure in your new haven.

Why Mortgage is the Solution to your Dream Home in British Columbia

mortgage lender

Every individual has a goal in life about buying a home for himself or his family. Same is the case with most people living in Canada. However, it isn’t possible to get one without bringing a mortgage plan into the equation.

A lot of first-time home buyers in British Columbia are also searching for safe investment opportunities that may help them in the future. Purchasing a house is an option that can’t be ruled out. But since housing has become expensive, not all people can afford such large one-time costs.

mortgage lenderThese days, there is a long list of real estate lenders functioning in Canada that can hook you up with enough cash to buy your dream home. Re-mortgage facility has changed the dynamics of the housing market in British Columbia and it offers countless benefits too.

Makes your dream home economical for you:

Once you opt for a mortgage, the onetime cost gets cut down into many installments and you can easily select the plan of your liking. That way you only must pay your installments and minimal interest every month.

For many people around the globe, buying their homes is the most expensive thing they ever buy. Having a mortgage helps a lot in balancing your funds for you while you transact a large sum of money from your accounts over a certain period

Most effective way of Borrowing Money:

Another issue that many British Columbian people face is gathering enough money to pay the down payment. The solution to this is offered by many mortgage programs.

A famous one is the British Columbia Home Owners Mortgage and Equity Partnership Program.

The payment schedule you set for yourself helps out in spreading the spending over a time. During that period, you can manage and settle your financial situation with ease.

Borrowing through mortgage plans is a better option because the interest rates offered in mortgage plans are reasonable as compared to other forms of loans.

The basic and worst case scenario for every mortgage is that if you’re unable to repay it, the lender can take over and sell your property. That definitely doesn’t happen if you stick to your payment plan and balance your funds.

Proper Positioning Of Furniture In Your Home Is Essential When Offering Your Residence For Sale

Buying a residence or building is a speedy experience. When it concerns selling that exact same home, it’s an entire new ball game. All of a sudden the tables are turned. You require a whole new set of policies to play by, which is exactly what this article will certainly provide you.

when placing your residence on the market, upgrade to some brand-new, energy-efficient appliances to assist draw in customers. Place in energy celebrity rated devices and also various other environmental friendly items. Individuals will certainly love to know they are being ‘environment-friendly’ as well as conserving loan on energy bills without needing to make the investment in these products themselves.

Utilize a selection of sources to purchase or sell your realty. With the enhancement of the net, you get to an entirely brand-new worldwide market area. While standard printed fliers and newspaper listings can aid you to market, it could never injure to go all out as well as listing on sites too.

Open the door to high tech services when marketing realty. One of the newest techniques of offering property is by setting up an inexpensive FM transmitter. Simply set it up to make sure that it plays interesting details about your home. Area a check in your front backyard that describes how they could listen to hear a lot more.

It seems like a no brainer, yet take the time to clean your house inside out before beginning to reveal it. Your house ought to be a show piece prior to customers get there eyes on it. Whiten your cement, re-caulk your tubs and also wax the floorings. If you have a Tallahasse homes for sale with pools then you’ll also want to clean the pool. Simple actions like these will certainly make your house a lot more enticing to a customer.

One pointer to keep in mind when it concerns marketing your property, is that you should understand the current condition of the market and also make sure that you change your home cost appropriately. This will certainly help to make certain that you have the ability to promptly and also relatively market your house in a difficult market.

When offering real estate, you must always hire an expert cleaning service to find in as well as do a comprehensive cleaning. When customers stroll in, they will certainly be impressed at exactly how points look and also are more probable to not be as concerned regarding just how the mechanical systems feature, since they could see that the house is spotless and well preserved.

Consider the advantages of making use of a real estate agent. Nowadays, more people are attempting to conserve cash by selling their residence without using a real estate professional. This is just a good idea if you understand specifically what you are doing. A skilled real estate agent can value your residence appropriately, know specifically where as well as how you can market, and also will take buyers on a trip of your home. Keep in mind that any type of costs incurred are in the representative’s compensation. On average, a vendor using a representative obtains 16% even more for their house.

Marketing property is an entirely different experience compared to it was when you acquired. It is necessary to recognize your duty as the seller as well as exactly what you can do to raise your earnings, lessen your duty and make the experience as pleasant as possible. Take the info presented here and also have a great marketing experience.

5 tips on choosing the perfect home for your family

Looking for a perfect house for your family can be challenging. You need to consider several factors when choosing a home. Here are some tips that can help you with your house hunt.



You can usually borrow up to three times your annual income as mortgage. But you must be careful that your repayments are not more than 35-40% of your monthly income. Otherwise, you might struggle financially every month.


Suppose, you find a house that you like and it is within your affordability range. You still need to weigh up several factors before making your final decision. Factors like distance from work, quality of neighborhood, nearby amenities, recreational facilities, etc. has a major impact on your decision.


Not all places are suitable for a family to live. You should consider living in a safe neighborhood where the crime rate is low. You should consider whether there are good transport links, new developments, etc.

Type of property


You should move to a location where the type of property you want is available. You may have specific likes and dislikes regarding various aspects of the home. You have to compromise on certain things. It is a smart idea to get in touch with a local agent for searching the right home for your family.


Consider whether the house you are buying is giving you good value for money compared to other similar houses. Right now the current trend is showing us that the highest values being seen in the real estate market in BC are in Kelowna and Victoria. Kelowna real estate agents are reporting a record year with 22% more homes sold over last year. You should consider the trend of home price in the neighborhood before deciding whether to buy home in that particular area or not. Buy a house in an area where you will get a good value for your money in case you need to sell the house in future.

You should find a home that is suitable for all the members of your family. You should consider these factors in choosing the right house for your family.

Why should you move to beautiful Okanagan, British Columbia?

British Columbia has been ranked as one of the best cities to live in the world. The Okanagan region in British Columbia is now attracting many people from around Canada and the rest of the world. If you are thinking of moving, then you should move to the Okanagan for the following reasons.



You can get quick access to the major cities of Canada from here. There are local airports and main highways to go from one city to another easily. Thus, you can work in a nearby city and still live comfortably in Okanagan.

Weather and culture

This place has lovely weather throughout the year. You will enjoy the beautiful sunrise and sunsets in between mountains. Many festivals occur throughout the year, so people have a nice time together.


Okanagan has a beautiful landscape. There are mountains, beaches, and springs. You will find lots of lovely vineyards here. Tasting wines is a major activity tourist do when they visit Okanagan. It is one of the best destinations for skiing. There are some lovely curves where you can have great challenges. The place is famous for other activities like hiking, birdwatching, and biking.


You will find all the amenities a city can offer in Okanagan. There is a full-service hospital, good schools, markets, restaurants, and shopping centers. The road system is very good, so it’s easy to move around.

If you like a small town life, then Okanagan is the best place to be. You will love the natural beauty and the lifestyle in this beautiful place. It’s also a great place to be with family.

4 reasons why it’s better to buy a home with a mortgage

It is a good investment to buy a home. You can expect a good return in the long run. Sometimes, the price of the home is not within reach for many people. Mortgage provides an opportunity for these people to buy a home. Here are the main reasons to buy home with a mortgage.

It makes buying home affordable


Buying home is one of the major purchases you will make in your life. If you take a mortgage, you won’t need to pay the whole amount upfront. You can spread the amount over a long period. This will decrease your financial burden. Usually, you have to pay off the money between 25 to 30 years. This makes buying a home much affordable according to Tallahasee realtor Suzanne McGhee.

It is a cost-effective method of borrowing money

The interest rates on mortgages are lower than other types of loans. So, a mortgage is a better option. By getting a mortgage, the bank has the security that if in case, you cannot pay off the mortgage, the bank will be able to sell the house to get back the money.

Tax implications


If you purchase a property with cash, you have to pay tax. But in the case of a mortgage, the interest payments are tax deductible. So, the obligation to pay tax is less when you buy home with a mortgage.

Homestead exemption

If you don’t have a mortgage, you may not be eligible for a homestead exemption in case you fall into serious debt in future. In most states, people get protection from creditors in case of their house.

Considering all these factors, it’s obvious that buying a house with a mortgage is better than buying it with cash. So, instead of spending your cash on buying a house, you can make some other investments.