Jacqueline Zerbe & Keith BakerWe Can Help You Arrange Mortgage Financing
If you are looking to buy a property and unless you have the cash in the bank… you will need to get a mortgage! With so many products available, where do you start? That is where we come in. Unlike a banker, we aren’t limited to one lender’s products and we represent you to multiple lending institutions. Our services are free to you!
Okay, you have decided now is the time to buy a new property! It may be your first or your hundredth, in any case, the house hunting process starts by understanding how much purchasing power you have. We can secure a a 120 day rate hold so that you’re protected against rising rates while you’re house-hunting for your perfect home.
Are you looking to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property or build the world’s biggest greenhouse… regardless, we can discuss all your mortgage refinancing options with you!
The best time to start looking at renewing your existing mortgage is 120 days before your maturity date. If your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to us so we can give you a second opinion and expose you to what the rest of the market has to offer. Getting the best rate is one piece of the puzzle but we take a look at the best rates and products given your situation!
First Time Home Buyers
If you are looking to purchase your first home, then you have come to the right place! We love answering questions and helping first time home buyers understand what mortgage financing is all about. We walk through the process with you and make sure you feel comfortable with the details of your mortgage contract and that they meet your financial needs.
We love the fact that a lot of our clients are repeat clients. If you are considering upgrading or downsizing, purchasing a rental or buying a second home on the lake, it would be great to work with you again! We are always available and would love to catch up over a cup of coffee!
Keith Baker, AMP
Gone are the days of simply going to your Bank: they are known to play rate games with their own customers, and they don’t always have the best products available on offer.
Whether you’re a sophisticated real estate investor, self-employed or someone faced with a challenging life event, why not give me a call? I’ll think outside the box to find the perfect mortgage solution to suit your unique needs.
Even though I am passionate about taking care of my mortgage clients, I enjoy leading a balanced lifestyle. I love spoiling my two beautiful granddaughters, Emily and Ella and when I’m not with them, I’m rooting for the Seahawks or hunting down the next bottle of red wine to enjoy with family and friends.
If I’m not in the office helping my clients with their mortgage financing, you’ll find me spending quality time with my husband outside on our paddle boards, exploring Vancouver’s vibrant neighbourhoods or hanging out in our backyard with our precious little daughter Ella.
We are a dynamic father-daughter duo, well known and firmly established in the Vancouver real estate market. The mortgage landscape has changed dramatically over the last few years due, mainly in part, to the Government of Canada legislating new mortgage rules and lenders having to keep up with those changes. Let’s face it: you don’t have time to keep track of all things mortgage-related, so that’s where we’d like to come in – let us guide you through the mortgage process and secure the best possible mortgage that’s right for you.
Our Client Breakdown
- Clients purchasing residential properties. 95%
- Clients purchasing commercial properties 5%
- Existing clients who have worked with us on multiple occasions. 75%
- New clients who have been referred to us by existing clients. 53%
- Clients purchasing their first home. 45%
- Likelihood of you being satisfied with our service if you work with us. 100%
Some of Our Mortgage Lenders
Here are some of the nice things our clients have said about us.
When it came time to renew our mortgage we found ourselves in a changing economy and a slowing real-estate market, so we wanted to make sure we ended up with a mortgage we were comfortable with. Jacqueline quickly proved to be energetic, efficient and full of helpful advice about our many options. She quickly found us a suitable mortgage at a very competitive rate and helped guide us through securing it. Jacqueline made herself available at times and places that were convenient for us, and was always quick to respond to our questions and requests for help. We would certainly recommend her services.Lee and Ian
When it came to one of the biggest decisions we have ever had to make, Jackie was one of our most valuable assets. She was incredibly responsive, knowledgeable and, most importantly, supportive. We couldn’t have done this without her and are incredibly grateful for the role she played in such a significant milestone in our lives.Melanie Lawrence
Highly professional, efficient and friendly service yielding excellent results. We can recommend Keith Baker in the highest terms. Keith takes the time to listen and understand your needs in order to fully meet them and then does so quickly. We didn’t expect to enjoy the process of arranging a mortgage, but thanks to Keith’s thorough market knowledge, good humour and attention to detail, we did!Julie & Geoff Jennings
I recently had to renew my mortgage, and went through Keith Baker, the best mortgage broker on the market! He searched around and found a great deal, then an even better one. I had originally asked my bank, whom I had been dealing with for the last 15 years if they could give me a good rate considering our past relationship. My bank didn’t even come close to what Keith found for me! I think so many people would just renew with their bank without seeing what else is out there. There is no extra cost for you to go through Keith. I have full confidence in Keith Baker and have recommended him to my family, clients, friends and colleagues. He is professional, personable and keeps all your information very confidential.Annie Smits
As a newly single mom, I was at a total loss of where to begin when it came to buying my own house and applying for a mortgage. Jacqueline was recommended to me by my real estate agent and I could not thank her enough! Jacqueline helped me from start to finish. She answered all my questions quickly and taught me a lot about the procedures involved in applying for a mortgage. I would highly recommend Jacqueline Baker to anyone needing a mortgage broker.Barb Guilfoyle
Keith, I just wanted to extend a big thank you for assisting my mom in securing a mortgage on her home. Your patience in explaining the process to her, meeting with both of us on your day off and finally joining her at the notary public’s office goes beyond excellent customer service and is greatly appreciated! My mom would not have found the process easy or comfortable had it not been for you . Thank you again!Karen Buchanan
Our Contact Information
Feel free to give us a call, send us an email or complete the forms below. We would love to hear from you!
Our Office Location120 - 2419 Bellevue Ave West Vancouver, BC.
This is where we share information about mortgages and anything else we find that has value!
The Bank of Canada is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Inflation is broadly in line with the Bank’s projection in its April Monetary Policy Report (MPR)....read more
Is the government being reckless and irresponsible or will rates be this low forever? Here's a great article that compares the recent changes to mortgage qualifications imposed on Canadians (what the government says) and the government's own borrowing (what they are...read more