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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.
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142311
Ryan Cooper Senior Mortgage Consultant

Ryan Cooper Senior Mortgage Consultant

Verico Paragon Mortgage Group Inc.

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

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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

Housing markets will remain stable says CMHC

According to CMHCs second quarter 2015Housing Market Outlook, Canada Edition1, housing markets will remain stable with housing starts moderating slightly in 2015and 2016. There are, however, a number of risks and vulnerabilities that can affect the market outlook for Canada and each province. To account for these risks and vulnerabilities, CMHC produces forecast ranges for resale and new home markets. Lower oil prices are contributing to disparities between provincial housing markets. A slowdown in housing starts and resale transactions in oil-producing provinces such as Alberta will be partly offset by increased housing market activity in other provinces, such as Ontario and British Columbia, which benefit from the positive impacts of declining energy prices, a lower Canadian dollar and continued low mortgage rates, said Bob Dugan, Chief Economist for CMHC. Moreover, since the inventory of completed and unabsorbed units remains above the historical average, we expect the pace of new home construction to moderate over the next couple of years as builders focus on managing the existing inventory, added Mr. Dugan. On an annual basis, housing starts are expected to range between 166,540 and 188,580 units in 2015, with a point forecast of 181,618 units. For 2016, housing starts are forecast to range from 162,840 units to 190,830 units, with a point forecast of 181,800 units. MLS2sales are expected to range between 437,100 and 494,500 units in 2015, with a point forecast of 475,400 units. In 2016, MLSsales are forecast to range from 424,500 units to 491,300 units, with a point forecast of 469,000 units. The average MLSprice is forecast to be between $402,139 and $439,589 in 2015, with a point forecast of $422,129. For 2016, the average MLSprice is forecast to be between $398,191 and $457,200, with a point forecast of $428,325. The gradual slowdown in the rate of price growth is explained by the expected change in the composition of MLSsales toward more moderately priced homes. Due to the recent decline in oil prices, our assessment is that there is more downside risk than upside risk to our forecast. CMHC Housing Market Outlook and other market analysis reports are available for download athttp://www.cmhc.ca/housingmarketinformation.

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.

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