How To Send Your Documents On Your Phone

Using Photos to PDF / Images to PDF is an excellent way to merge all your documents via an iPhone or Android phone.

Step One ↓

Download Photos to PDF Converter onto your iPhone. Images to PDF on ANDROID it is an equivalent but not an identical app.

 

Step Two ↓

Open the App ⇢ Open Settings (looks like this dial).

 

 

Choose Photo Quality ⇢ Choose Medium.

Step Three ↓

⇢ Choose which way you would like to upload.

  • Camera Roll: If you have already photographed the documents
  • Take Photo: If you have the documents ready to photograph.

Step Four ↓

Allow permission for “Photos to PDF” to access your camera.

  • This permission is not giving the app access to take your information, it is necessary for the app to upload the documents you choose.

 

Step Five ↓

Take photos of the documents Individually or choose them in bulk from your camera roll if you have already photographed the pages.

 

Step Six ↓

Once you have all pages photographed choose NEXT.

 

Step Seven ↓

Formatting of the document should remain the same.

  • Margins ⇢ None
  • Orientation ⇢ Auto

Choose CREATE PDF

 

 

Step Eight ↓

Rename the file ⇢ Use your full name and the month and year.

 

 

 

Step Nine ↓

Choose SHARE (Bottom Right).

 

 

Step Ten ↓

Send the PDF via email.

 

Step Eleven ↓

Send your broker the pdf via email

Dave Browne : dave@brownemortgage.com

Jordi Browne : jordi@brownemortgage.com

Dave Saran : daves@brownemortgage.com

Eilisha Sarafis : eilisha@brownemortgage.com

 

 

 

 

 

 

 

 

 

 

 

 

We hope that these two apps make compiling your documents easy!

Please don’t hesitate to reach out to our team for any of your mortgage needs, we are here to help you!

 

Did You Know That Your Kids Could Increase the Mortgage Amount You Qualify For?

Are you and your family looking to purchase your first home or upgrade to accommodate for your growing little’s? We can help.

Our clients know the difference between using a BRMC Abbotsford mortgage broker vs other competitors. Our team of skilled experts have the resources to secure some of the lowest mortgage rates while obtaining your mortgage, quickly and efficiently. We will work to meet or exceed your purchase price expectations.

Many of us are aware of the recent changes in the lending/banking industry which have made it increasingly difficult to obtain financing for a home. These new rules resulted in lessening the maximum purchase price a borrower would typically qualify for. We do, however have some good news. Our team of Abbotsford mortgage brokers have exclusive access to three lenders that allow us to include Child Tax Credit on your application to help increase your purchase price.

The option to add your Child Tax Credit onto your income is not available through the major banks and excludes majority of lenders, meaning – there’s a good chance you won’t find this anywhere else.

Here is an example:

The Williams’ family:

  • Mr. Williams’ annual salary: $50,000
  • Mrs. Williams’ annual salary: $85,000
  • Mr. and Mrs. Williams’ have 3 children
  • Down-payment: $150,000
  • Mr. and Mrs. Williams’ are both debt free
  • Mr. Williams’ credit score: 720
  • Mrs. Williams’ credit score: 650
  • MAX PURCHASE PRICE: $962,000 

*Based on today’s best interest rate and a 5-year fixed term

The Williams’ family when using a BRMC Abbotsford mortgage broker:

  • Mr. Williams’ annual salary: $50,000
  • Mrs. Williams’ annual salary: $85,000
  • Mr. and Mrs. Williams’ have 3 children
  • Down-payment: $150,000
  • Mr. and Mrs. Williams’ are both debt free
  • Mr. Williams’ credit score: 720
  • Mrs. Williams’ credit score: 650
  • Add child tax benefit to your income of $4,500/year
  • MAX PURCHASE PRICE: $992,000 – increase of $30,000

*Based on today’s best interest rate and a 5-year fixed term

By including your Child Tax Credit on your mortgage application, we can increase your purchase price by $30,000.

Contact our team today to explore your home buying options.

 

 

Some of Our Finest Moments & a Look at What to Expect In 2019

 

Abbotsford, BC – Just like that it’s over, 2018 has officially come and gone. We hope you enjoyed the holidays as much as we did. Rather than boring you with a long-winded year in review we thought we’d skip through that and just share a few of our favorite photos captured throughout 2018. Here’s a look at some of our finest moments.

From left to right: (1) Jordi’s big Hollywood debut (2) Coach Dave and son Cooper (3) Annual Browne family Christmas tree hunt (4) Green lake cabin, family photobombing (5) Jordi embracing his inner Moana as Maui for Halloween, Vienna looking less than impressed by her father’s attempt (6) Jordi and Natalie accompanying the Homelife Real Estate team at the Canadians baseball game (7) Coach Dave and son Cooper posing with the Abbotsford Bluejays (8) Annual Browne family pumpkin carve-off competition (9) Jordi, Vienna, Chase and Natalie enjoying their trip to Green Lake cabin.

 

Interest Rates 2019

The Bank of Canada has decided to maintain its benchmark rate at 1.75%. Throughout 2018 gradual rate increases were almost a regular occurrence but towards the end of the year the Bank of Canada geared down as the market began to get back to normalcy.

In December the bank said that the Canadian economy is operating close to its capacity, with unemployment at its lowest level in decades and inflation on target. As a result, further rate increases in 2019 were highly anticipated.

Reports released in December showed consumer spending had increased by only 1.2 per cent, and annual car sales had fallen for the first time since the financial crisis. The Canadian Real Estate Association is also expecting home sales to decrease in 2019, largely due to consumers adjusting to the restrictive financial conditions, such as the B-20 stress test and the 5 interest rate increases since July 2017.

With interest rates remaining stagnate and a slower real estate market, now could be the time for potential home buyers to consider acting while competition isn’t quite as intense.

The hold on interest rates may only last us a short while as the Bank is predicting growth to reach 1.7% by the end of 2019, however the decision to do so is based on several factors such as the housing market, oil and consumer spending.

***FLASH SALE***

Keep your eyes and ears peeled this spring for an interest rate flash sale! We’ve seen signs of an interest rate sale this past week which means opportunity for those looking to buy, renew or refinance. Contact our team for further details.

Important Changes You Need to Know About

Federal tax changes are underway this 2019, some of which will affect your paycheque, bills and even small businesses.

Canadian Pension Plan – starting this January, contributions will increase .15% from 4.95% to 5.1% set to affect earnings between $3500 – $57000.

Employment Insurance Premiums – premiums will drop per $100 of insurable earnings from $1.66 to $1.62.

Tax Free Savings Accounts – The contribution limit will be increase from $5,500 to $6,000 per year.

Gas Prices – Provinces that are imposing the carbon tax will see an increase in gasoline at 4.42 cents per litre and an increase in natural gas at 3.10 cents per litre. Canadians in these provinces will receive a direct rebate as a result to offset the increase.

Tax Changes for Small Business Owners – Effective January 1st, small business owners are permitted to generate up to $50,000 in passive income while still having access to lower rates. If businesses hold an excess on passive income, a portion of the first $500,000 in earnings will be subject to a higher rate. This will be dependant on how much they exceed the limit.

Canada Workers Benefit – Low income workers can now qualify for a more substantial “Canada Workers Benefit”, designed to help low income workers remain employed.

Postage – prices will increase to $1.05 per single domestic letter stamp, $1.27 for US letter mail stamp and $2.56 for an international stamp.

BC Speculation Tax Update

Good Morning Salutation,

On Monday, the BC government announced changes to the Speculation Tax which was proposed earlier this year.

“The speculation tax is intended to improve housing affordability in areas where the need is most acute, while exempting rural cabins and vacation homes”, Finance Minister Carol James said. These statements come after heavy criticism from many BC Homeowners and according to James, the changes will exempt 99% of British Columbians from the tax.

  • Areas the Speculation Tax will Apply
    • Metro Vancouver
    • The Capital Regional District (excluding the Gulf Islands and Juan de Fuca)
    • Kelowna and West Kelowna
    • Nanaimo-Lantzville
    • Abbotsford, Chilliwack and Mission
  • Tax Rates 2018
    • 0.5% of the property value for all properties subject to the tax
  • Tax Rates 2019 and subsequent years
    • 2% for foreign investors and satellite families
    • 1% for Canadian citizens and permanent residents who do not live in British Columbia
    • 0.5% for British Columbians who are Canadian residents or permanent residents (and not members of a satellite family)
  • Exemptions
    • People who rent out their second property for at least six months of the year
    • B.C. residents with second properties are eligible for tax credits valued up to $400,000

I BELIEVE THIS POLICTICAL CARTOON SUMS UP OWNERSHIP OF RECREATIONAL PROPERTIES FOR BC RESIDENCE.


As always, I am here to help. Should you have any questions please do not hesitate to contact me.

By Referral Mortgage Consultants*

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