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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.

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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

CPI rose 1.0% in the 12 months to February, matching the increase in January

The Consumer Price Index (CPI) rose1.0% in the12months to February, matching the increase in January. Lower gasoline prices continued to be the largest downward contributor to theCPIon a year-over-year basis in February, posting a21.8% decline. However, Februarys decline was smaller than the26.9% year-over-year decrease observed in January. Excluding gasoline, theCPIincreased2.2% on a year-over-year basis in February, following a2.4% rise the previous month. On a non-seasonally adjusted monthly basis, the gasoline price index rose9.4% in February, following seven consecutive declines. This increase was the largest in almost eight years. Despite the monthly gain in February, gasoline prices were27.7% below their June2014peak. Prices rose in seven of the eight major components in the12months to February. Higher prices for food led the rise in theCPI, followed by increased shelter costs. The transportation index, which includes gasoline, declined on a year-over-year basis for the fourth consecutive month. Food prices advanced3.9% in the12months to February. Prices for food purchased from stores were up4.3% on a year-over-year basis in February, after rising5.4% the previous month. Price gains for meat (+12.4%), fresh vegetables (+8.4%) and fresh fruit (+3.5%) contributed the most to the February increase, although these gains were smaller than in January. Prices for food purchased from restaurants rose2.8% year over year in February. The shelter index rose1.8% on a year-over-year basis in February. Natural gas prices increased10.8% in the12months to February, while the cost of homeowners home and mortgage insurance rose8.6%. Consumers also paid3.8% more for electricity. In contrast, prices for fuel oil declined23.4% in February compared with the same month a year earlier. Transportation costs fell5.0% in the12months to February, following a5.3% decrease the previous month. In addition to paying lower prices for gasoline on a year-over-year basis in February, consumers paid1.0% less for the purchase of passenger vehicles. February marked the first year-over-year decrease in the purchase of passenger vehicles index since May2013.

Asian Investors Lead International Commercial Investment in U.S. and Canada, says NAR Survey

International investment in commercial real estate is dominated by Asian interests in bothCanadaand the U.S., according to anew surveyfrom the Richard J. Rosenthal Center for Real Estate Studies at REALTORUniversity and the National Association of Realtors. The survey found that 47 percent of Canadian respondents and 41 percent of those in the U.S. indicated that their international clients were from Asian countries. Commercial real estate has become a global industry, and Realtorsfrom across the U.S. andCanadanow regularly serve clients from all over the world, said NAR PresidentChris Polychron, executive broker with 1stChoice Realty inHot Springs, Ark.This survey proves the fact that while all real estate is local, not all investors are local. The survey was done in collaboration with the Canadian Real Estate Association and with assistance from the CCIM Institute and Institute of Real Estate Managers. Nearly 3,000 Realtorsanswered questions about their international commercial clients and the perceived changes they see in the demand for and utilization of office space. According to the survey, 45 percent of Realtorswho practice commercial real estate inCanadanoted an increase in international clients. Similarly in the U.S., more than a third of responders, 36 percent, observed an increase in international investment. The survey found that in the U.S., 22.5 percent of international clients came fromEurope, 21 percent fromLatin Americaand 20 percent from theMiddle East. InCanada, Realtorssaid 18 percent of international commercial real estate investment came from theMiddle East, 17 percent fromEuropeand 5 percent fromLatin America. It is important to note that the heaviest cross-border investment in commercial real estate continues to be between the U.S. andCanada. International investors brought significant capital intoNorth America, nearly$13 billionin the latter half of 2014. Investors fromAsiainvested$5.7 billionin real estate,$4.8 billioncame fromEurope,$1 billioncame from Oceania and$390 millioncame from Latin American investors. The survey also found a changing demand for office space in both the U.S, andCanada. Commercial clients are seeking more flexible office spaces, reducing the amount of personal space for workers and increasing the amount of communal space; 40 percent of Canadian respondents and 45 percent in the U.S. said their clients are looking for more open space in their offices. The location of offices spaces is also seeing a shift. InCanada, a majority of investors is looking at property in metropolitan areas with populations of more than 1 million. In the U.S., however, investors have begun moving away from larger markets into secondary and tertiary markets; more than one-third of U.S. respondents reported investors are interested in markets with populations less than 750,000. Highlights from the report are available atwww.realtoru.com/real-estate-studies/current-research-programs/international-commercial-real-estate-investment. A full copy of the report is available to news media upon request.

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