Introduction In October 2025, the Bank of Canada  reduced its key policy rate to 2.25% , sending ripples across Canada’s housing market. For buyers in British Columbia  and Alberta , this move has revived optimism and reshaped affordability expectations. At Sandhu Sran Mortgages , we’ve seen firsthand how this shift is influencing buyer confidence, mortgage strategies, and long-term financial planning. In this article, we’ll explore what this change means for you — and how to

Introduction Buying your first home is one of life’s biggest milestones. It’s exciting — but it can also be complex without the right guidance. Whether you’re buying in Abbotsford, Mission, or Chilliwack, a trusted mortgage broker can simplify the process and help you avoid costly mistakes. At Sandhu & Sran Mortgages, we specialize in helping first-time homebuyers navigate every step of the mortgage journey — from credit preparation to closing day. 1. Check Your Credit Score

Introduction Digital mortgage platforms digitize the home financing process, making approvals faster and more transparent. Borrowers can submit documents, track applications, and communicate with lenders seamlessly. Key Features Online Applications: Submit financial info electronically. Automated Underwriting: Real-time credit evaluation. Document Management: Cloud storage with secure verification. Communication Tools: Messaging and updates for borrowers, lenders, and agen

Introduction   Non-QM and alternative lending options are gaining attention as viable solutions for homebuyers  who may not meet conventional requirements. These loans offer flexibility in documentation, income verification, and credit history evaluation, making homeownership accessible to a broader range of borrowers. What Are Non-QM Mortgages? Alternative Income Verification:  Self-employed individuals, freelancers, and gig economy workers can use bank statements or revenue

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Are you planning to apply a residential mortgage? If yes, there are so many things to consider. From credit score to the right time to...