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My Rates

Term My Rate
6 Month Fixed 3.00%
1 Year Fixed 2.89%
2 Year Fixed 2.64%
3 Year Fixed 2.59%
4 Year Fixed 3.09%
5 Year Fixed 3.04%
7 Year Fixed 3.89%
10 Year Fixed 4.29%
1 Year Open 5.80%
*Rates subject to change and OAC.
AGENT LICENSE ID
142311
Ryan Cooper

Ryan Cooper

Verico Paragon Mortgage Group Inc.

Phone:
Address:
#227 5589 Byrne Rd, Burnaby, British Columbia

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It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.

BLOG / NEWS Updates

Multi-Family Real Estate Sector Contributes $24 Billion to Canadian Economy, Supports 140,100 Jobs

Capital investment in the multi-family real estate sector totaled $10.1 billion in 2013, according to a report released by the Real Property Association of Canada (REALpac) titled The Contribution of the Multi-Family Real Estate Sector to the Canadian Economy. Some $2.9 billion was spent on new buildings, with the rest ($7.2 billion) invested in capital improvements, renovations and the upgrading of existing buildings. The ongoing operations of multi-family rental buildings also generated about $1.3 billion in building management fees and approximately $211 million in brokerage fees from sales and leasing of multi-family rental buildings in 2013. According to Thomas Schwartz, President CEO of CAPREIT, Canada is fortunate to have an efficient and responsible multi-family real estate industry. Landlords, large and small, continue to invest in rental housing, which is an integral part of the Canadian housing spectrum. This provides a wide range of housing options for over 4 million tenants across the country. Taken together, the construction and investment in multi-family rental buildings and the ongoing operation of these buildings make a substantial contribution to the Canadian economy, producing $24 billion in annual economic activity. These activities add to the economy in various ways by: Supporting 140,100 jobs each year, many of which are high-paying professional jobs; Generating $8.3 billion in income, related to personal income and other sources of income; Generating $5.0 billion in corporate profits earned by many small and medium companies, and some of the largest companies in Canada, such as pension funds and insurance companies; and Contributing $3.1 billion in personal and corporate income tax revenues for the federal and provincial governments. The multi-family rental sector plays an important role in Canadas economy. The development and construction of multi-family rental buildings and their daily operations directly support thousands of work opportunities for Canadians and adds tremendous value to Canadas gross domestic product. In addition, the sector represents a significant share of the housing stock in Canada, providing shelter to millions of Canadians. In addition, owners of the multi-family rental buildings contribute substantial revenue to municipalities and school boards across Canada through realty taxes.

Entering 2015, personal financial confidence takes a hit

A poll conducted by Nielsen finds that two-thirds (65 per cent) of Canadians are entering the new year feeling confident they will reach their financial goals, a decline from the same poll last year (76 per cent), and the lowest number in five years. Canadians aged 45 and up accounted for most of the decline, while younger Canadians remained confident about the future. Canadians aged 45-54 were among the least confident this year, with only 58 per cent feeling confident about reaching their financial goals, a decrease from 77 per cent in the same age group just last year Among Canadians aged 55-64, 61 per cent feel confident about reaching their financial goals, down from 74 per cent last year By comparison, 75 per cent of Canadians aged 25-44 said they are confident they will reach their financial goals, relatively unchanged from a year ago (76 per cent) Another recent poll from CIBC showed that paying down debt is the number one financial priority for Canadians for the fifth year in a row, with those nearing retirement even more focused on debt than Canadians on average. We are seeing a real conflict among Canadians close to retirement, who are trying to balance their short term need to reduce debt with the longer term goal to save for the retirement they want, says Christina Kramer, Executive Vice President, Retail and Business Banking, CIBC. As Canadians approach traditional retirement age it can be a challenge to keep focused on both, and that can impact their overall confidence in their future finances. This decline in confidence among boomers is the most significant weve seen in five years, says Ms. Kramer. As each year goes by and boomers increasingly focus on debt reduction as an immediate priority, they also get closer to retirement without a long term plan in place that will deliver the retirement they are looking for. Having a financial plan that addresses all economic conditions can help build the personal financial confidence they may be seeking.

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