If you’re planning to purchase your **first home in BC**, one of the smartest financial moves you can make is opening a **First Home Savings Account (FHSA).** Here are some of the benefits: ✅ **Tax-deductible contributions** – Just like an RRSP, contributions can reduce your taxable income. ✅ **Tax-free growth** – Your investments grow tax-free […]

🏡 What’s Happening With Mortgages in British Columbia Right Now? 🏠 Hey BC! 👋 Feeling uncertain about your mortgage options in today’s market? You’re not alone. As a licensed mortgage broker, I’m here to break down what’s going on and how it could impact you: 🔑 Interest Rates: Interest rates have been fluctuating lately, and […]

Did you know that if you have an insured mortgage on a new build, you are eligible for a 25% refund on your default insurance premium if the property meets current Energy Efficient certification standards?   Here’s the key info: In BC, most new builds are now required to meet BC Energy Step Code standards […]

With the Bank of Canada rate decreases throughout the summer and now into January, I thought this would be a great opportunity to update you on what this means for your mortgage. If you’re on a variable-rate mortgage, this will result in decreases in your mortgage payments to match the current rates giving you more cash […]

Refinancing Your Mortgage in 2025. Refinancing your mortgage can be a smart financial move for many reasons, and as your trusted mortgage advisor, I’ve seen how much it can benefit homeowners! Ideally, refinancing is done at the end of your mortgage term to avoid penalties, but the timing can vary depending on your goals. For […]

Exciting news for prospective homebuyers! The Canada Mortgage and Housing Corporation (CMHC) has introduced new rules that can make homeownership more accessible, especially for first-time buyers. These changes offer more flexibility and options when it comes to purchasing a home. Key Changes in the New CMHC Rules: Lower Down Payment Requirements: You can now put […]

Today marks an important victory for Mortgage Professionals of Canada and the housing market. We are excited to share that the Deputy Prime Minister and Minister of Finance, Chrystia Freeland, announced significant changes to mortgage rules—many of which reflect MPC’s persistent advocacy on behalf of our industry and all Canadian homebuyers.   Among the new […]

Closing Costs – The Real Numbers You Need to Budget For. Buying a home is one of the most exciting ventures in life! To ensure it goes smoothly, you need to have a proper budget in place to protect your financial security and help you make the best decision for your future location. However, the […]

Is your mortgage coming up for renewal? Do you know about all the incredible options renewing your mortgage can afford you? If not, I have all the details here on how to make your mortgage renewal work for YOU MORTGAGE RENEWAL BENEFITS: Get a Better Rate… Are you aware that when you receive notice that […]

When it comes time to Renew Your Mortgage, most Lenders will send you a Renewal Letter when there is around 3mths remaining on your term. Did you know, nearly 60% of Borrowers(you), simply sign & send it back without ever shopping around for a more favorable interest rate… This is Actually the Best Time to […]