Mortgage Broker

Winter 2019

Mortgage Broker is the magazine of the Canadian Mortgage Brokers Association and showcases the multi-billion dollar mortgage-broking industry to all levels of government, associated organizations and other interested individuals.

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No Fee or Lower Rate uDrive NOW YOU'RE IN THE DRIVER'S SEAT threepointcapital.ca Phone 1.800.979.2911 Lending in BC, AB, MB & ON Residential 1st & 2nd Mortgages Private Mortgage Funds Available SPECIALISTS IN INNOVATIVE MORTGAGE SOLUTIONS M A N D A T E M O R T G A G E Web: mandatemortgage.com Email: info@mandatemortgage.com Phone: 1-866-432-4949 RESIDENTIAL COMMERCIAL CONSTRUCTION DEVELOPMENT LAND 6 | winter 2019 cmba-achc.ca CMB MAGAZINE THE CANADIAN MORTGAGE BROKERS ASSOCIATION CHAIR AJAY SONI VICE-CHAIR RAJ BABBER TREASURER JANET MCKEOUGH SECRETARY ISABELLE BARBEAU EXECUTIVE DIRECTORS SAMANTHA GALE, ROBERT GUBBINS STAFF WRITERS RAY BASI, SAMANTHA GALE CONTRIBUTORS LORI BAMBER, JOSEF FILIPOWICZ, LISA GORDON, ISTOCK, CANADIAN PRESS, UNSPLASH, 123RF, CORY VAN IEPEREN BILLING DEBRA HILLER CMBA ONTARIO INDEPENDENT MORTGAGE BROKERS ASSOCIATION OF ONTARIO 7 - 40 Winges Road, Woodbridge, ON L4L 6B2 CMBA BC MORTGAGE BROKERS ASSOCIATION OF BRITISH COLUMBIA 101 - 1765 West 8th Ave., Vancouver, BC V6J 5C6 CMBA ATLANTIC MORTGAGE BROKERS ASSOCIATION OF ATLANTIC CANADA 233 Bedford Highway, Halifax, NS B3M 2J9 CMBA QUEBEC L'ASSOCIATION DES COURTIERS EN HYPOTHÉCAIRES DU QUÉBEC Email: info@achquebec.org 230, 4321 Still Creek Drive Burnaby, British Columbia, Canada V5C 6S7 604.299.7311 chairman, ceo PETER LEGGE, obc, lld (hon) president SAMANTHA LEGGE mba director of editorial & custom publishing MICHAEL McCULLOUGH executive creative director RICK THIBERT director of production KIM McLANE director of circulation TRACY MCRITCHIE production manager KRISTINA BORYS imaging technician BERNARD HOLZMANN CANADIAN MORTGAGE BROKER magazine is produced by Canada Wide Media Limited for the Canadian Mortgage Brokers Association (CMBA). CANADIAN MORTGAGE BROKER © All rights reserved. The views expressed in CANADIAN MORTGAGE BROKER are those of the respective contributors and are not necessarily those of the publisher or staff. Publications mail agreement No. 40065475. Please return undeliverable Canadian addresses to: Suite 101 - 1765 West 8th Avenue, Vancouver, BC V6J 5C6 Printed in Canada by Transcontinental Printing. VOLUME 4 ISSUE 1 WINTER 2019

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