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Posted by: Kelly Bates
Bank of Canada Rate Cut: What It Means for the Real-Estate Market What happened and why On October 29, 2025, the Bank of Canada lowered its target overnight rate by 25 basis points, bringing it to 2.25 %. In its press release, the Bank cited that the Canadian economy is facing weak growth, with exports […]
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Subject To Financing Buying a home is exciting and while today’s market is a buyers market it is still important to understand the importance of having a Subject to Financing clause in your purchase offer. Multiple offers, tight timelines, and seller expectations often push buyers to make bold moves, including waiving their financing condition. While […]
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GST Break for First-Time Buyers: What It Means for Homeowners in Coquitlam, the Lower Mainland, and Beyond On May 27, 2025, the federal government announced a major tax incentive aimed at first-time home buyers: a new GST rebate on newly built homes. For buyers in high-cost areas like Metro Vancouver and the Fraser Valley, this […]
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If you’ve ever wished your mortgage could work smarter, not just harder, then the Manulife One program might be worth a closer look. Designed to simplify your banking and potentially help you become debt-free sooner, this unique all-in-one mortgage product combines your mortgage, chequing, savings, and even other debts into a single, flexible account. What […]
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Navigating the final stages of securing a mortgage can be both exciting and nerve-wracking. Even after receiving a mortgage approval, certain missteps can jeopardize the closing process. To ensure a smooth transition to homeownership, here are ten critical actions to avoid between your mortgage approval and the actual closing. 1. Avoid Changing or Quitting Your […]
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If you’re a first-time homebuyer, or any buyer for that matter, in the Lower Mainland you’ve probably been watching the real estate market and wondering: Is now a good time to buy? The answer isn’t black and white-but there are opportunities if you know where to look, and I’m here to help you make sense […]
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Choosing to become a First Time Home Buyer is one of the biggest financial decisions you’ll ever make. In Canada’s competitive housing market, it’s completely normal to feel overwhelmed, uncertain, or even afraid of taking that first step. “What if I can’t afford it?” “What if interest rates rise?” “What if I don’t qualify for […]
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How Important Are Rates When Shopping for a Mortgage? When homebuyers start the mortgage process, one of the first things they ask about is interest rates. And while rates are undoubtedly a crucial factor, they aren’t the only thing to consider when choosing a mortgage. As a mortgage broker, I help clients see the bigger […]
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