Boris Sapozhnikov

Mortgage Professional, help people to make educated decisions.

[Boris Sapozhnikov @BorisMortgages]

Early mortgage renewal offer? 🏦 Think twice before accepting. Your current rate could be locked in for a better deal later. Consider family plans, financial sense, and risk tolerance. Let's look at your numbers and future together. #MortgageTips #Homeownership #borismortgages

[Boris Sapozhnikov @BorisMortgages]

💳 Want stronger credit?
Pay off your credit card balance every month.
And try to use less than 30%–50% of your total available credit.
Lenders don’t just look at your score — they look at how you manage your limits. Lower utilization = stronger profile = better approval chances

[Boris Sapozhnikov @BorisMortgages]

Your credit card habits shape your future. #borismortgages #firsttimehomebuyer #mortgagetips #creditcard

[Boris Sapozhnikov @BorisMortgages]

Most first-time buyers think a 30-year term means they’re stuck paying interest for three decades. It’s actually the opposite—it’s about financial flexibility.

In this video, I’m breaking down why choosing a longer term gives YOU the power.
#FirstTimeHomeBuyer #MortgageTips

[Boris Sapozhnikov @BorisMortgages]

Think your credit score is the hardest part of getting a mortgage? Think again. 👀

The #1 reason mortgage approvals fall apart isn’t income — it’s the 90-day paper trail.

Lenders aren’t being nosy. They’re legally required to track every dollar of your down payment.
#yrma

[Boris Sapozhnikov @BorisMortgages]

The headlines say inflation is "rebounding," but the data tells a different story. 📈☕️

That jump to 2.4% in December isn't a new trend of rising costs—it's mostly a mathematical quirk from the 2024 tax holiday. When prices are artificially low one year, they look high the next!

[Boris Sapozhnikov @BorisMortgages]

Meet my client, Dmytro. He’s a truck driver who was stuck in the “renter’s loop.” Great income—but zero savings for a down payment.

#FirstTimeHomeBuyers
#RenterToOwner
#RRSPStrategy
#DownPaymentHelp
#HomeBuyingCanada

[Boris Sapozhnikov @BorisMortgages]

A TFSA isn’t just a savings account. 💡

The TFSA is one of Canada’s most powerful wealth-building tools—but only if you use it wisely.

#FinancialFreedom #WealthBuilding #DreamBig
#TFSA #Investing #ETFs
#MortgageClients #MoneyTips #SmartInvesting

[Boris Sapozhnikov @BorisMortgages]

Thinking about converting your variable mortgage to a fixed rate?
Before you hit that panic button… here’s what you really need to know. 👀

Most people think they can “time the market” ⏳ — ride the variable wave, then lock in right before rates go up.
Sounds smart, right?

[Boris Sapozhnikov @BorisMortgages]

💸 Why did your friend get a better mortgage rate than you? It’s not luck… or looks 😏
Mortgages have “Hogwarts houses” too: Insured, Insurable, and Uninsurable. 🏠✨
DM me and find out your mortgage “house” in 30 seconds! ⏱️ #MortgageTips #HomeBuying #yrma

[Boris Sapozhnikov @BorisMortgages]

Lowest mortgage rate? Don’t be fooled! The wrong lender can cost you THOUSANDS in penalties if life changes. Know the full story before you switch. #MortgageTips #RefinanceSmart #HomeLoansCanada #InterestRates #SmartMoneyMoves #YRMA #YourReliableMortgageAdvisor

[Boris Sapozhnikov @BorisMortgages]

Join my exclusive event to uncover essential insights beyond what banks typically disclose about purchasing your first property in Canada. https://t.co/KXCjPCLd6u

[Robert Kiyosaki @theRealKiyosaki]

WAR what is it good for? Absolutely Nothing. So why do we have wars? For the same reasons we have husband and wives divorce. Sadly war and divorce are about egos, pride, arrogance, and disrespect of fellow human beings….without love. If being “right” is more important than love and respect then sadly….we will always have war, hate, violence, death, and love.

Most importantly what kind of world do you want to live in? As you know….an eye for an eye….only causes blindness. I prefer a world of love, plenty, cooperation, happiness, kindness and peace. I invite you to work for the same world.

[Robert Kiyosaki @theRealKiyosaki]

Winston Churchill said: “Birds raised in a cage….think flying is a disease.”

The primary reason for the growing gap between rich and poor is because most of schools teachers were raised in cages known as schools.

Most teachers then teach students to seek job security in a cage rather than fly with financial freedom.

Rich dad taught his son and me that “Money is a tool…. Freedom is our goal.”

That is why Rich Dad encouraged his son and me to learn the skills of an entrepreneur….so then we could fly any where in the world and earn as much as we wanted.

I still meet people who believe living in a cage…a cage known as job security….and believe flying anywhere in the world earning as much as they want….Is a disease.

Learn to fly and live free.

[WOWA.ca @WOWA_Canada]

Mortgage Rates: April 24, 2024🍁
(Changes from April 17)

40+🇨🇦 lenders:
https://t.co/XWvAM2IOZq

Bond yields are up, pushing mortgage rates higher

3yr fixed insured: 4.79% (⬆️5 bps)
5yr fixed insured: 4.69% (⬇️10 bps)
5yr variable insured: 5.90%
5yr bond yield: 3.82% (⬆️9 bp)
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Provided by https://t.co/pjCEqedxba
Simply Know Your Options 🔍

[Boris Sapozhnikov @BorisMortgages]

Looking to buy your first property in Canada? I am here to help! With my expert guidance and support, you can make your dream a reality. Contact me today to get started or sign up for a #freewebinar to learn more! #FTHB https://t.co/SIXRO4gBSz

[Boris Sapozhnikov @BorisMortgages]

@wpgpolice Are you waiting for them to start intifada in Winnipeg? Check news. Look what happened in Europe. They have a lot of experience to do it here.

[MoneySense @MoneySense]

Thousands of Canadians have opened a first home savings account (FHSA). If you’re a first-time home buyer saving for a down payment, here’s what to know about #FHSA tax deductions. Sponsored by @fidelitycanada #itpaystoknow #realestate #investing
https://t.co/czwOK2abDX

[Elon Musk @elonmusk]

@SwipeWright Yes, “decolonization” necessarily implies a Jewish genocide, thus it is unacceptable to any reasonable person

[Boris Sapozhnikov @BorisMortgages]

This situation poses a significant challenge for buyers who have invested their deposits in these construction endeavors.

As of now, deposits on unfinished condo units remain unaffected because the majority of condo building projects accommodate extensive delays.

[Boris Sapozhnikov @BorisMortgages]

Some New Construction Project Failures. Condo Towers at Highest Risk.

While it's important to note that not a substantial number of projects are currently facing issues, some are indeed experiencing difficulties.