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Does a Mortgage Pre-Approval Affect Credit Score? A Clear Guide for BC Homebuyers

By Asim Ali | Oct 06, 2025

Yes, a mortgage pre-approval does require a “hard inquiry” on your credit file. This is a normal part...

By Asim Ali | Sep 30, 2025

A cash-out refinance rate can often be 0.20% to 0.50% higher than a standard purchase mortgage rate. This...

By Asim Ali | Sep 29, 2025

Many people think they are locked into their 25-year mortgage term, but that’s simply not true. Your mortgage...

By Asim Ali | Aug 24, 2025

With a $110,000 salary, you could likely afford a home in the $400,000 to $500,000 range. That income...

By Asim Ali | Jul 29, 2025

Many seniors want to stay in the home they love, but for them, the monthly bills and unexpected...

By Asim Ali | Jul 28, 2025

Written by Asim Ali, Award-Winning Mortgage Broker Many people think that a $200,000 salary automatically qualifies them for...

By Asim Ali | Jun 26, 2025

If your mortgage term is ending soon, then you will have to renew your mortgage. And knowing how...

By Asim Ali | May 22, 2025

According to CMHC, the average home price in Canada is now over $700,000. Sadly, it is even higher...

By Asim Ali | Apr 27, 2025

When seeking a mortgage, you will encounter various titles: Mortgage Broker, Mortgage Agent, and Real Estate Agent. While...

By Asim Ali | Apr 24, 2025

In British Columbia, the prices of homes have skyrocketed. It can be as high as $900,000 or higher....

By Asim Ali | Apr 22, 2025

If you have a variable rate mortgage in Canada, you can experience fluctuating interest rates. And it can...

By Asim Ali | Apr 21, 2025

A small change in your credit score can cost you a lot of money in interest. Which means...