Jassy Braich Mortgages

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Canada
Kelowna, BC
Jassy Braich Mortgages

Specializing in mortgage & financial planning and working to build net worth for my clients.

Over 24 years of industry experience in supporting financial growth for my clients through strategic partnerships.

09/02/2026

This morning, the Bank of Canada announced they are keeping the policy rate unchanged. While this provides some short-term stability, there are a few important takeaways for Vancouver homeowners and homebuyers:

📈 Inflation is a key focus, and while it’s hovering around 3%, high energy prices are creating uncertainty about future rate hikes.
🌱 Canada’s economy showed strong growth in the second quarter, which could impact future rate decisions.
💼 Globally, higher bond yields are affecting lending, meaning it’s more expensive to borrow.

What does this mean for your property goals and net worth? Understanding these shifts is crucial for building long-term financial security through real estate.

📩 Have questions? Let’s chat! Click the link in my bio to schedule a call or send me a DM.

Estate

08/14/2026

Waiting to save 20% down might be costing you more than you think!

A common myth in Canadian real estate is that you need 20% down to buy a home. With an insured mortgage, you can get into the market with as little as 5% down. This puts you on the fast track to building home equity and growing your long-term net worth sooner.

Whether you are buying your first property, upgrading, or looking at a different entry strategy, every financial situation is unique.

💬 Ready to see what options fit your situation? Send me a message and let us map out your path to homeownership!

07/30/2026

Summer is in full swing, and I wanted to share a quick look into how I help my clients! ☀️

While most people know me for navigating mortgages here in Vancouver and across Canada, my main focus is helping people build long-term net worth. Whether that means breaking down a complex mortgage option or mapping out a bigger financial picture so all your goals line up.

Because my business is built entirely on referrals, genuine relationships are everything to me. My goal is always to be a trusted, no-pressure resource for you and the people in your life.

Know someone who could use some guidance? If you introduce a friend, family member, or colleague—or even book an intro call yourself—you’ll be entered for a chance to win up to $2,500 toward your rent or mortgage payment! 🏠💵

📩 If you or someone in your circle has questions about mortgages, real estate, or general financial planning, send me a DM or drop a comment below. Let’s connect!

07/28/2026

Which one is on your mind today? Drop the number in the comments or send me a DM!👇

1️⃣ Can I buy with a low down payment?
2️⃣ What monthly payment can I actually afford?
3️⃣ How much total cash do I need to close?
4️⃣ Should I wait for lower interest rates or buy now?

My job isn’t just getting you approved, but it’s also helping you build long-term wealth through smart real estate strategies tailored to your exact budget and goals.

📩 DM me what you’re curious about, and let’s map out a personalized plan together!

📍 Licensed & serving clients right here in BC and across Canada!

07/15/2026

The Bank of Canada just announced they’re holding interest rates steady again. Honestly? This is actually great news if you’ve been waiting for some predictability.

If you have a variable-rate mortgage, your payments aren’t changing today. That gives you some breathing room to actually plan your next move instead of constantly reacting to the news.

If you’ve been sitting on the sidelines waiting to buy, or if you want to tap into your home equity to build your net worth—like investing in a rental or consolidating higher-interest debt—this window of stability is your chance!

The next announcement is on September 2nd. Between now and then, the market is going to keep moving, and the smartest thing you can do is get a clear strategy in place before the next decision.

📩 I’m based in Vancouver but help clients build equity and net worth all across Canada. Let’s look at your numbers and figure out how to make this rate hold work in your favour!

07/09/2026

When you’re trying to buy a home here in Canada, lenders use two specific numbers to figure out exactly how much of a mortgage you can qualify for. They’re called your GDS and TDS ratios.

If you aren’t sure what those stand for, you aren’t alone! It’s actually pretty straightforward once you break it down 🤓

Swipe through the slides to see the visual breakdown, but here is the quick version:

1. GDS (Gross Debt Service)
These are your housing costs. Lenders look at your future monthly mortgage payment, property taxes, heating, and condo fees. They want to make sure all of that combined doesn’t take up more than 39% of your pre-tax income.

2. TDS (Total Debt Service)
This looks at the bigger picture. It takes all those housing costs and adds in your other monthly bills (eg. car payments, credit cards, or student loans). We want this total to stay under 44% of your income.

Why should you care?
Knowing these numbers gives you a massive advantage when you start house hunting. It helps determine your budget when searching for a home, and ensures you buy a place that actually helps you build equity over time without leaving you “house poor.”

👉 Swipe through the images to see a quick math example of how this works in real life, and save this post so you can find it later.

If you want to know what your specific numbers look like, send me a DM or drop a comment below and let’s chat!

06/10/2026

Jun 10, 2026 - Rates remain on hold!

The Bank of Canada announced today that the prime rate remains at 4.45%, meaning there will be no change for variable-rate mortgage holders.

If you:
👉 Have a mortgage renewal coming up in the next 12 months
👉 Are sitting on a variable rate wondering if you should lock in
👉 Want to buy while the market is quiet

📩 Let’s run a quick, complimentary assessment of your mortgage strategy to ensure you’re completely protected and positioned to save!

Estate

05/05/2026

New West is picking up momentum right now — but where you buy matters just as much as how you finance it. Here are a few pockets I’m seeing come up more in client pre-approvals 👇

💡 What matters most right now isn’t just the area, but also your mortgage strategy!

✔️ How much you actually qualify for (not just what the bank says)
✔️ Structuring your down payment + monthly cash flow
✔️ Choosing between fixed vs variable in today’s rate environment
✔️ Planning ahead so you’re not house-rich, cash-poor

📱 If you’re thinking about buying in New West (or just exploring your options!), let’s run your numbers together.

05/01/2026

Could you use an extra $2,500 toward your rent or mortgage payment?! 💰

If you know anyone planning to buy, renew, or refinance, referring them to us is your ticket into our monthly draw!

The Process:
Share a name.
Get entered to win.
We handle the rest, with a FREE personal consultation!

📩 Send us a name to enter!

Address

710 Sutherland Avenue
Kelowna, BC
V1Y5X5

Website

https://jbmortgage.ca/

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