Mortgage with Anastasia

Mortgage with Anastasia Hi, I’m Anastasia, a Mortgage Agent with Dominion Lending Centres. Let’s connect!

I have a background in finance and credit and access to multiple lenders to help you find the right mortgage solution.

10/07/2025

🏠💰 What Taxes You Pay When Buying a Home in BC
🏡 Property Transfer Tax (PTT)
Tax Rates:
• 1% on the first $200,000
• 2% on $200,000 – $2,000,000
• 3% on amounts over $2,000,000
Exemptions & Rebates:
• First-Time Home Buyers’ Program: Full exemption up to $500,000; partial exemption for homes $500,000 – $860,000
• Newly Built Home Exemption: Full exemption for homes under $1,100,000; partial for homes $1,100,000 – $1,150,000

🧾 GST on New Homes
Tax Rate:
• 5% federal GST on newly built or substantially renovated homes
• Not charged on most resale homes
GST New Housing Rebate:
• Partial rebate for homes priced $350,000 – $450,000
• Must be your primary residence.
First-Time Home Buyers’ GST Rebate:
• Up to $50,000 rebate for eligible first-time buyers
• Applies to homes up to $1 million, phased out between $1M – $1.5M
• Not available for homes $1.5M+

10/05/2025

Considering a mortgage through a credit union? 🏡
They’re member-owned and often more flexible than big banks - decisions are made locally, not by a national head office.
But a few things to note:
✔️ You’ll need to become a member to qualify.
⚠️ Most credit union mortgages aren’t portable and if you plan to move to another province, you’ll likely need to switch lenders altogether.
Great option for local buyers who value flexibility and community, just be mindful if relocation might be in your future. 💡

From tiny cubs to curious explorers; been lucky to watch them grow 🐻🐾
09/30/2025

From tiny cubs to curious explorers; been lucky to watch them grow 🐻🐾

🧡 Today we honour the National Day for Truth and Reconciliation.It is a time to reflect on the history and legacy of res...
09/30/2025

🧡 Today we honour the National Day for Truth and Reconciliation.
It is a time to reflect on the history and legacy of residential schools, to listen to Indigenous voices, and to recognize the resilience of Survivors, their families, and communities.
Let this day be a reminder that reconciliation is an ongoing journey, one that requires learning, empathy, and action from all of us.

09/29/2025

In my last reel we covered co-signers and co-applicants. Now let’s look at guarantors.
🔑 Guarantor
On the mortgage but not on the title
No ownership rights
Legally liable if the borrower defaults and the lender has exhausted other options
Usually an immediate relative (spouse, parent, sibling, etc.)
Added when the borrower qualifies on income but needs backup, for example, their credit history is short or poor, or they need extra financial support in the background
Income is rarely counted, except in very specific cases depending on the insurer and whether they live in the property
⚖️ Takeaway: A guarantor gives the lender confidence there’s financial backup, but they don’t own the home.

09/28/2025

People often confuse co-signers, co-applicants, and guarantors, so let’s clear it up.
🔑 Co-signer / Co-applicant
On mortgage and property title
Owns part of the home & shares full payment responsibility
Used when extra income is needed to qualify (like a parent helping their child)
Usually can structure ownership however you want (1% / 99% split is okay)

Stay tuned for the next reel - I’ll break down guarantors and how they’re very different from co-signers.

Did you know you can rent in Port Moody and build equity toward owning your home? 🏡✨With Rent-to-Own Program, your depos...
09/26/2025

Did you know you can rent in Port Moody and build equity toward owning your home? 🏡✨
With Rent-to-Own Program, your deposit and rent payments go directly toward your future down payment. It’s a smart way to move in now, start living your dream, and secure ownership in 2 years.
💬 DM me to see if you qualify and learn more about this opportunity!

Всем привет! 🌸Приглашаю вас на кофейную встречу для женщин и мам ☕👩‍👧‍👦📍 Где: Little Beans Café (70 Kyle Street, Port Mo...
09/25/2025

Всем привет! 🌸
Приглашаю вас на кофейную встречу для женщин и мам ☕👩‍👧‍👦
📍 Где: Little Beans Café (70 Kyle Street, Port Moody)
🗓 Когда: Суббота, 4 октября, 12:30 PM
☑️ Дети приветствуются! В кафе есть игровая зона (небольшая плата за вход).
☑️ Меню с вкусной едой и кофе — подробнее можно посмотреть на сайте кафе.
☑️ Мы собираемся, чтобы делиться новостями, поддерживать друг друга, смеяться и просто отлично проводить время вместе 💕
Приходите! Это отличная возможность познакомиться, пообщаться и зарядиться хорошим настроением ✨

09/23/2025

💸 That six fifty dollar per month car lease can shrink your mortgage approval by about one hundred thousand dollars in today’s Vancouver market.
Here’s what you need to know:
1️⃣ Don’t get a new car or other loans while waiting for pre-approval. Even small payments matter.
2️⃣ If you only have a couple of months left on a car loan, make sure your broker checks with the lender, sometimes this debt won’t even be counted, allowing you to be pre-approved for more.
3️⃣ Sometimes paying off a loan that’s almost finished makes sense even if it costs a few thousand, doing that can increase your mortgage approval and lower your down payment by much more than what you paid.
💡 Bottom line: timing your car payments around your mortgage application can make a huge difference in how much you qualify for. Always review your car loans and other monthly payments before applying for a mortgage.

09/21/2025

📉📈 Why Your Mortgage Rate Changes
Curious why your mortgage rate isn’t staying the same? It all comes down to bond yields and the central bank.
Fixed-rate mortgages: Follow bond yields. Up → rates rise, Down → rates fall.
Variable-rate mortgages: Track the bank’s prime rate. Central bank hikes → rates rise, cuts → rates fall. Lenders then add their margin on top.
Keeping an eye on these signals can give you a clue where your mortgage might be headed next.

09/18/2025

Did you know your mortgage rate can tell you a lot about the economy? 📊
Very low rates (under 3–3.5%) usually signal a weak economy. The central bank cuts rates to encourage borrowing, a short-term benefit for borrowers with lower payments, but it likely won’t last long.
Healthy rates (around 4%) reflect a balanced economy with steady growth and moderate inflation - a stable environment for borrowers.
Your mortgage rate isn’t just a number, it’s an economic signal. 🏡💰

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#105 20171 92A Avenue Langley
Langley, BC

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