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.
Ryan Cooper Senior Mortgage Consultant

Ryan Cooper Senior Mortgage Consultant

Verico Paragon Mortgage Group Inc.

#227 5589 Byrne Rd, Burnaby, British Columbia






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

Should you renew your mortgage early?

If you are 4 years or more into a 5 year term, should you consider an early renewal? A Manulife survey in 2011 found that almost 2 in 3 survey respondents didnt compare products from lenders when their mortgage was up for renewal. The number of Canadians who dont compare mortgage products are surprising considering the dollars that you could save just by asking a few questions. This is especially the case since the Bank of Canada decided to maintain an overnight rate of 0.75% in early March. This means that your newly negotiated rate will be lower than even the record lows we have experienced in the last 5 years. Here are some key questions you should ask your mortgage broker in order to make this important money saving decision: What penalties will you have to pay to renew your mortgage early? If you were to renew your mortgage early how much money would that save you in the long term? If you decide to sell your property before the term ends on your newly negotiated mortgage what impact will that have on your penalties? If you arent sure whether you should renew early, talk to me! Im here to help you with your mortgage decisions.

Bank of Canada maintains overnight rate target at 3/4 per cent

The Bank ofCanadatoday announced that it is maintaining its target for the overnight rate at 3/4 per cent. The Bank Rate is correspondingly 1 per cent and the deposit rate is 1/2 per cent. Total CPI inflation is at 1 per cent, reflecting the drop in consumer energy prices. Core inflation has remained close to 2 per cent in recent months, as the temporary effects of sector-specific factors and pass-through of the lower Canadian dollar have offset the disinflationary forces from slack in the economy. The Bank expects global growth to strengthen and average 3 1/2 per cent per year over 2015-17, in line with the projection in the JanuaryMonetary Policy Report(MPR). This is in part because many central banks have eased monetary policies in recent months to counter persistent slack and low inflation, as well as the effect of lower commodity prices in some cases. At the same time, economies continue to adjust to lower oil prices, which have fluctuated at or below levels assumed in the January MPR. Strong growth inthe United Statesis expected to resume in the second quarter of 2015 after a weak first quarter. The Canadian economy is estimated to have stalled in the first quarter of 2015. The Banks assessment is that the impact of the oil price shock on growth will be more front-loaded than predicted in January, but not larger. The ultimate size of this impact will need to be monitored closely. Underneath the effects of the oil price shock, the natural sequence of stronger non-energy exports, increasing investment, and improving labour markets is progressing. This sequence will be bolstered by the considerable easing in financial conditions that has occurred and by improving U.S. demand. As the impact of the oil shock on growth starts to dissipate, this natural sequence is expected to re-emerge as the dominant trend around mid-year. Real GDP growth is projected to rebound in the second quarter and subsequently strengthen to average about 2 1/2 per cent on a quarterly basis until the middle of 2016. The Bank expects real GDP growth of 1.9 per cent in 2015, 2.5 per cent in 2016, and 2.0 per cent in 2017. The very weak first quarter has led to a widening ofCanadasoutput gap and additional downward pressure on projected inflation. However, the anticipated recovery in growth means that the output gap will be back in line with its previous trajectory later this year. Consequently, the effects on core inflation of the lower dollar and the output gap will continue to offset each other. As the economy reaches and remains at full capacity around the end of 2016, both total and core inflation are projected to be close to 2 per cent on a sustained basis. Risks to the outlook for inflation are now roughly balanced and risks to financial stability appear to be evolving as expected. The Bank judges that the current degree of monetary policy stimulus remains appropriate and therefore is maintaining the target for the overnight rate at 3/4 per cent.


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