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Straight mortgage advice for British Columbians. Especially built for self-employed buyers, renewers, and anyone whose income doesn't fit a T4 slip.

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Why a 15% Down Payment Gets You a Lower Rate Than 25% post image
By Javan Wyker
Aug 25, 2026

Why a 15% Down Payment Gets You a Lower Rate Than 25%

Three decisions that amplify the risk of outliving your savings, and how to undo them post image
By Javan Wyker
Sep 8, 2026

Three decisions that amplify the risk of outliving your savings, and how to undo them

CUSMA review outcome triggers annual negotiations: how it changes your trade planning post image
By Javan Wyker
Sep 8, 2026

CUSMA review outcome triggers annual negotiations: how it changes your trade planning

Your $5,000 GST Balance Just Killed Your $800,000 Mortgage Approval, Here's How to Fix It Before You Reapply post image
By Javan Wyker
Sep 7, 2026

Your $5,000 GST Balance Just Killed Your $800,000 Mortgage Approval, Here's How to Fix It Before You Reapply

CAD near $0.72 USD: what a stable cross-border rate means for your planning post image
By Javan Wyker
Sep 6, 2026

CAD near $0.72 USD: what a stable cross-border rate means for your planning

Canadians Are Turning Down a Guaranteed 100% Return on Their Money post image
By Javan Wyker
Sep 6, 2026

Canadians Are Turning Down a Guaranteed 100% Return on Their Money

Canada Held Its Housing Target at 3.5 Million Units, That's the Crisis Right There post image
By Javan Wyker
Sep 5, 2026

Canada Held Its Housing Target at 3.5 Million Units, That's the Crisis Right There

Canadian Exports to the U.S. Drop to 68%, Accelerating Recent Diversification post image
By Javan Wyker
Sep 4, 2026

Canadian Exports to the U.S. Drop to 68%, Accelerating Recent Diversification

How to Convert Your RRSP to a RRIF at 71 Without Losing Thousands to Tax post image
By Javan Wyker
Sep 3, 2026

How to Convert Your RRSP to a RRIF at 71 Without Losing Thousands to Tax

# The Stress Test Number That Moves While You Shop post image
By Javan Wyker
Sep 2, 2026

# The Stress Test Number That Moves While You Shop

# Lenders Cap You at 40% Mortgage-to-Income Even When You Qualify Higher: When to Challenge the Formula post image
By Javan Wyker
Sep 2, 2026

# Lenders Cap You at 40% Mortgage-to-Income Even When You Qualify Higher: When to Challenge the Formula

You're Probably Wrong About the One Credit Habit Costing You $11,000 at Closing post image
By Javan Wyker
Sep 1, 2026

You're Probably Wrong About the One Credit Habit Costing You $11,000 at Closing

# The OAS Clawback Threshold Most Self-Employed Canadians Quote Is Off by $7,200 post image
By Javan Wyker
Sep 1, 2026

# The OAS Clawback Threshold Most Self-Employed Canadians Quote Is Off by $7,200

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Wyker Mortgages Blog icon Wyker Mortgages Blog icon

Real mortgage advice for real BC homeowners. No script, no runaround.

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Why a 15% Down Payment Gets You a Lower Rate Than 25% post image
By Javan Wyker
Aug 25, 2026

Why a 15% Down Payment Gets You a Lower Rate Than 25%

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Subscribe to New Posts Straight mortgage advice for British Columbians. Especially built for self-employed buyers, renewers, and anyone whose income doesn't fit a T4 slip. Subscribe (Free)
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Straight mortgage advice for British Columbians. Especially built for self-employed buyers, renewers, and anyone whose income doesn't fit a T4 slip.

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Real mortgage advice for real BC homeowners. No script, no runaround.

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