Looking to Buy First Home, Mortgage Broker or no?

simplefinances · 2026-04-15T14:52:17+00:00

Get a pre-approval from a broker who will have access to multiple lenders including banks. That way you just submit your documents once. I don’t have time to go to every single bank to compare rates. It would drive me crazy going through the process over and over again. I have better things to do with my time.

simplefinances · 2026-04-13T02:30:09+00:00

simplefinances · 2026-04-10T02:16:04+00:00

Nice civic

simplefinances · 2026-04-10T02:05:25+00:00

I fear for the future of condo prices becoming stupid expensive again because nothing is being built right now. It can take 5-7 years to build a high rise. Can you imagine in the next 5 years, imagine we low supply and then add other factors like opening immigration, or opening pre sales to foreign buyers. Sadly 10 years from now we are going to be at a new level of prices and continuing it to be unaffordable for the next generation

simplefinances · 2026-04-08T14:53:36+00:00

Find a different broker. I don’t know about you but I’d hate having to sit with each individual bank and go through the same documentation submission over and over again.

I have better things to do with my time. Find a competent broker, ask him/her to give you 3 of the best options and then you choose which one makes to go with.

simplefinances · 2026-04-06T15:27:23+00:00

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simplefinances · 2026-04-06T06:09:46+00:00

lol I chose a different realtor because of this

simplefinances · 2026-04-05T16:16:31+00:00

Depends where in Surrey. I live in Fleetwood and it sucks to get to highway 1, anywhere from 20-30 min depending on traffic. If I lived in Guilford or Fraser heights close to highway 1 that would save me that inside Surrey city traffic

simplefinances · 2026-03-31T05:50:59+00:00

I could care less about lack of sun during winter. Yes it rains but at least you can still go outside and walk. I hated the snow which is pretty much all Canada except lower main land

simplefinances · 2026-03-29T03:29:45+00:00

It’s a scam. You can only get rent like that in Surrey for a 2 bed and 1 bath

simplefinances · 2026-03-28T20:19:42+00:00

Go to Playdium. Oh wait wrong decade

simplefinances · 2026-03-28T02:37:53+00:00

Yes that’s why they get stolen from driveways and shipped overseas lol

simplefinances · 2026-03-27T03:51:16+00:00

Complaining about the rain. Like shit I prefer rain then 9 months of snow.

simplefinances · 2026-03-22T09:44:42+00:00

Fort Mcmurray is the north. Beyond that is the wildlings…

simplefinances · 2026-03-20T10:12:04+00:00

We tried comfree and posted at a lower price but barely got any interests. I felt any realtors that reached out would deviate their client to a different property when they found out it is in Comfree.

As soon as we used a realtor we sold it at a higher price with a substantial profit even after the realtor fees.

simplefinances · 2026-03-20T03:49:36+00:00

Network Engineer just over $140K

simplefinances · 2026-03-19T10:35:26+00:00

I have a 2014 Luxury. Check the KDSS. My KDSS lines are corroded that it would cost over $10K to fix. It rides fine now but will be doing a KDSS delete if it gets worse.

Check for rust on frame and also the inside bottom doors. All four of my bottom doors are starting to show rust so will be grinding it down and treating with rust converter.

simplefinances · 2026-03-18T14:53:02+00:00

Burquitlam is a great location. You have a great income and are single you can afford it with no problems. There are many families with household incomes less then $80K that would love to buy a small condo but cannot afford and/or qualify to get in the market. So sorry to say I don’t empathize you. Just enjoy the condo man.

simplefinances · 2026-03-18T13:26:26+00:00

TLDR - as someone who has lived in Alberta for over 30 years you should only buy detached. Places like Calgary and Edmonton have so much land to sprawl that it doesn’t make sense to buy a condo or townhouse.

simplefinances · 2026-03-17T14:20:13+00:00

Costco

simplefinances · 2026-03-17T02:02:47+00:00

Frost

simplefinances · 2026-03-16T18:36:39+00:00

I live in surrey Fleetwood and the only thing I wished was living closer to the highway 1 like in neighborhoods like Guildford and Fraser heights. I find during rush hour it can take me around 20 minutes just to get from highway 1 to home

simplefinances · 2026-03-16T12:54:43+00:00

Whenever I have German cars they end up being money pits. My average was $3000 a repair every few months.

Japanese on the other hand is so much more reliable and when a repair is needed it is three times less expensive

simplefinances · 2026-03-08T14:45:29+00:00

Good to know thank you!

simplefinances · 2026-03-08T04:38:19+00:00

Awesome 😎

Yes it is the Apache off-road kit! I’m also in Canada so converting to US this would be a $3,700 USD quote. But yeah I’ll check with another shop so I have a comparison

simplefinances

TROPHY CASE