HOME RATES ABOUT SERVICES VIDEOS BLOG CONTACT ME TEAM

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 Senior Mortgage Consultant

Ryan Cooper Senior Mortgage Consultant

Verico Paragon Mortgage Group Inc.

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

BROWSE

PARTNERS

COMPLETE

THE SURVEY

REFER

A FRIEND
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

Canadian home sales up again in April

Highlights: National home sales rose 2.3% from March to April. Actual (not seasonally adjusted) activity stood 10% above April 2014 levels. The number of newly listed homes was little changed from March to April. The Canadian housing market overall remains balanced. The MLS Home Price Index (HPI) rose 4.97% year-over-year in April. The national average sale price rose 9.5% on a year-over-year basis in April; excluding Greater Vancouver and Greater Toronto, it increased by 3.4 %. The number of home sales processed through the MLS Systems of Canadian real estate Boards and Associations rose 2.3 per cent in April 2015 compared to March. This marks the third consecutive month-over-month increase and raises national activity back to where it was during most of the second half of last year. April sales were up from the previous month in two-thirds of all local markets, led by the Greater Toronto Area, the surrounding Golden Horseshoe region, and Montreal. As expected, low mortgage interest rates and the onset of spring ushered many homebuyers off the sidelines, particularly in regions where winter was long and bitter, said CREA President Pauline Aunger. All real estate is local and REALTORS remain your best source of information about sales and listings where you live or might like to in the future. In recent years, the seasonal pattern for home sales and listings has become amplified in places where listings are in short supply relative to demand, said Gregory Klump, CREAs Chief Economist. This particularly stands out in and around Toronto. Sellers there have increasingly delayed listing their home until spring. Once listed, it sells fairly quickly. Sales over the year as a whole in Southern Ontario are likely being constrained to some degree by a short supply of single family homes. However, the busy spring home buying and selling season has become that much busier as a result of sellers waiting until winter has faded before listing. Actual (not seasonally adjusted) activity in April stood 10.0 per cent above levels reported in April 2014. This marks just the third time ever that sales during the month of April topped 50,000 transactions. Sales were up on a year-over-year basis in about 70 per cent of all local markets, led by activity in the Lower Mainland of British Columbia, Greater Toronto, and Montreal. Of the 18 local markets that set new records for the month of April, all but two are in Southern Ontario. The number of newly listed homes was virtually unchanged (+0.1 per cent) in April compared to March. Below the surface, new supply rose in almost two thirds of all local markets, led by a big rebound in Halifax-Dartmouth following a sharp drop in March. This was offset by declines in Greater Vancouver, Victoria, and the Okanagan Region, as well as by a continuing pullback in new supply in Calgary. New listings in Calgary have dropped by one-third from their multi-year high at the end of last year to their current multi-year low.

Housing starts decline slightly between March and April says CMHC

The trend measure of housing starts in Canada was 179,299 units in April compared to 179,114 in March, according to Canada Mortgage and Housing Corporation (CMHC). The trend is a six-month moving average of the monthly seasonally adjusted annual rates (SAAR)1of housing starts. Elevated levels of multi-unit starts during mid-2014 caused the trend to peak in September. Starts activity since then has trended down to current stable levels as builders have adjusted activity to manage inventories, said Bob Dugan, Chief Economist at CMHCs Market Analysis Centre. This trend is in line with CMHCs expectations for housing starts in 2015. CMHC uses the trend measure as a complement to the monthly SAAR of housing starts to account for considerable swings in monthly estimates and obtain a more complete picture of the state of Canadas housing market. In some situations analyzing only SAAR data can be misleading, as they are largely driven by the multi-unit segment of the market which can vary significantly from one month to the next. The standalone monthly SAAR was 181,814 units in April, down from 189,546 units in March. The SAAR of urban starts decreased by 6.6per cent in April to 165,445 units. Multi-unit urban starts decreased by 14.2per cent to 107,216 units in April while the single-detached urban starts segment increased by 11.4per cent to 58,229 units. In April, the seasonally adjusted annual rate of urban starts increased in Atlantic and British Columbia, while it essentially held steady in Ontario and decreased in the Prairies and Qubec.

MY LENDERS

TD Bank Scotia Bank First National National Bank B2B Bank Home Trust
Bridgewater Bank MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Trust ICICI Bank CFF Bank Fisgard Capital  RMG Mortgages