All insights
Property Financing — insights
Articles from Guaranti Group on property financing — written for families in Greater Vancouver.
Browse by topic
Property Financing2026-09-03Bought for $1 million—why is today's appraisal only $900,000?The contract price and today's lender appraisal are not the same thing. An appraisal gap may affect both the mortgage and the cash required at closing.Read
Property Financing2026-08-26How does a bank really assess your mortgage application?A mortgage application is assessed as a whole. Income, debt, credit, down payment and the property all shape the lender's view of risk.Read
Property Financing2026-08-14The Market Changed Before Your Presale Closed — What the Bank of Canada FlaggedIt is the same unit you signed for. But what decides whether closing goes smoothly is not only the contract price — it is how the bank values that unit on the day you complete.Read
Property Financing2026-08-07If one bank says no, is that really the end?His income hadn't changed and it was the same property — so why did the amount fall short? One bank's answer isn't the only answer on the market. But switching banks doesn't automatically solve it either.Read
Property Financing2026-07-31Why financing a presale isn't like financing a resaleYou buy today. The bank assesses you three years from now. Nearly every presale financing problem starts in that gap.Read
Property Financing2026-07-31I had a pre-approval. Why did the bank still say no?A pre-approval isn't a promise about the future. It's an assessment of the present — and on a presale, the present moves.Read
Property Financing2026-07-04Your presale is completing. You bought at the peak. Now what?Complete, assign, or walk away. Before you choose, there are three sets of numbers worth working out properly.Read
Property Financing2026-05-29Financing options for small business: what's actually availableThe business works. The financing is what feels opaque. Five problems small business owners keep running into.Read
Property Financing2026-05-21Mortgage paid off — and more exposed than beforeClearing the mortgage removes a debt. It also removes a lender who was quietly checking every change to your title.Read
Property Financing2026-05-21She thought it was her money. The bank said she couldn't touch it.The account was in her name. What she hadn't understood was who controlled it.Read
Property Financing2026-05-15Three things a diligent lawyer should catch before you completeCompletion isn't the last administrative step. It's where every risk in the transaction finally comes to rest.ReadReady to start your family’s plan?Book a free 30-min consult