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




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 :

Jordi Browne :

Dave Saran :

Eilisha Sarafis :













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!


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.


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


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

By Referral Mortgage Consultants*

“Click, Call, Chat – Award Winning Brokers”
Dave 604 897 2741 Jordi 604 615 1312
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Rate Increases & New Mortgage Stress Test

Early on Wednesday, July 12th 2017, the Bank Of Canada increased the over night rate to 3/4% (0.75%). This is the first time in 7 years we have seen this type of an increase. Call me if you have questions regarding how this directly affects you personally at 604 897 2741 Dave Browne.

The increase is 0.25% BPS but this is potentially a sign of more increases to come. Historically speaking, the drop from 4.50% by BoC rates began 9 years ago. Due to compounding economic turmoil’s over the last 9 years such as the fall in oil prices last year, rates have remained at historical low rates hovering near 0.50%.

Well I guess the low rate Party’s starting to wind down.

The chart below shows in 2007 the Bank Of Canada Rate was 4.50%. Today, even with the increase, we sit at 0.75%.

Here is some of the statement accompanying the rate decision. Ultimately the central bank said the Canadian economy has been robust, fuelled by household spending.

“As a result, a significant amount of economic slack has been absorbed,” the bank said, adding that the remaining slack is expected to be gone around the end of this year, which is earlier than the bank anticipated in its April  Monetary Policy Report.

The move means consumers will likely pay more for borrowing such as variable-rate mortgages and lines of credit.

In the wake of the rate hike, the Canadian dollar shot up. The loonie was trading up 0.64 of a cent at 78.03 cents US late Wednesday morning. “


Question & Answer time

Will this effect mortgage rates?

-Mortgage lenders will likely follow suit and increase their prime lending rate to match the BoC’s move.  This will effect variable rate mortgages and HELOCS.

Will variable mortgage rates go up?

Short answer is Yes.

Will rates keep going up?

The Canadian economy has had better than expected growth in 2017, which has been driven by household spending. If the economy continues to report growth as it has in the past 12 months, both fixed and variable rates are likely to rise at a gradual pace.   What is the long term outlook?

Long term outlook is for higher rates if the economy is working good. This is due to a worldwide monetary tightening policy. That being said, we will not be seeing dramatic rate increases overnight. Rates are currently still at historic lows.

As for the introduction of a second mandatory stress test rule in the last 8 months, what does this mean to you? According to what we have read the B20 rule simply matches the rate test that is already in effect for High Ratio Mortgage borrowers.

Last October those high ratio buyers with only 5%, 10% or 15% down payment saw a drop in their ability to buy a home by 20%. If you were preapproved for a $400,000 purchase, that approval dropped to $320,000 over night.

This will now happen across the board to those of us that have more than 20% down payment. Regardless of your strength of income, assets and net worth. We are working through some alternative options that will lessen this impact but this will impact the real estate market. These may only be temporary changes until the real estate market cools in Canada’s biggest markets but it is fair to say this will impact buyers and sellers ability to qualify for mortgages without co-signors or additional down payment monies.

By Referral Mortgage Consultants*

“Click, Call, Chat – Award Winning Brokers”

Dave  604 897 2741 Jordi 604 615 1312

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*By Referral Mortgage Consultants – doing business as BRMC is: Verico Preferred Financing Inc / Verico Canadian 1st Mortgage Corp which have a co-brokering agreement and there is a common Mortgage relationship and are licensed with the Verico Dreyer Group. Mortgage ownership, that employees of both Mortgage companies may review, advise and help process the Mortgage files. That Verico Preferred Financing Inc & Verico Canadian 1st Mortgage Corp share the some expense and income from mortgages. Kim Langille Featured on thess site is an unlicensed mortgage assistant only, not a Mortgage Consultant. Jordi Browne featured on this site is the Mortgage Broker of record. “The Broker” is Jordi Browne. Jordi Browne also holds a Life Insurance License and represents Verico Canadian 1st Mortgage Corp. Dave Browne featured on this site has a Life Insurance License too but is an independent agent– Jordi and Dave Browne co-broker life insurance files and share expenses, all income retained by Verico Canadian 1st Mortgage Corp. 

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