🏡 Exciting News for Canadian Homeowners! 🇨🇦 Starting January 15, 2025, you can refinance your insured mortgage to finance the construction of secondary suites! 🎉✨ 🔑 Key Benefits: Access Up to 90% Equity: Tap into your home’s value, including the new suite! Longer Amortization: Enjoy peace of mind with up to 30 years to pay it off. Increased Price Limit: Now up to $2 million for refinancing! This game-changing reform aims to: ✅ Promote housing density ✅ Support homeowners with rental income ✅ Enhance community living options Are you ready to unlock the potential of your home? 🏠💰 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

📢 GREAT NEWS! 📢 🏠 First time home buyers will be allowed to increase their maximum amortization to 30 years, up from 25 years. This is huge news from an affordability point of view as your monthly mortgage payment will now decrease. ⬆️ Another exciting announcement is that the cap for insured mortgages has increased from $1 million to $1.5 million. 🙌🏻 This means you can purchase for up to $1.5 million with less than 20% down. These changes take effect on December 15th. More details to follow. If you have any questions, please reach out to us! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

The Canadian Government is making it easier to get into your dream home! 🏡 Now, first-time homebuyers can enjoy a 30-Year Amortization period on insured mortgages when purchasing newly built homes. But that’s not all! The amount you can withdraw from your RRSP to buy your first home is nearly doubling to $60,000 – giving you even more buying power! 💪 This is a fantastic opportunity to step into homeownership with more flexibility and financial support. Ready to take the leap? Let's make your homeownership dreams come true! ✨ Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Interest Rate Predictions 🔮 Christine and I share our predictions on future interest rate changes and the economic outlook. Stay informed on what might happen next and how it could affect you. 📉🏠 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Current Mortgage Rates 📊 Christine and I break down current fixed and variable mortgage rates. Understand how focusing on monthly payments can help manage your budget. 🏠💡 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Need Financial Relief? 📞 Christine talks with me about how refinancing and debt consolidation can ease financial stress. Learn how to make the most of your mortgage and improve your cash flow. 💵🔄 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Exciting update for BC homebuyers! 🎉 the notice period for ending tenancies for personal use is now reduced to 3 months. Thanks to the hard work of CMBA-BC and BCREA, we’re making progress together. Stay informed and support our community! 💪 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Feeling the Economic Pinch? 💡 Let’s discuss how the recent rate cuts can help those feeling financially stretched. Explore refinancing options to improve your cash flow and find out if fixed or variable rates are right for you. 📉🏡 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Why Did Rates Drop? 📉 Discover the reasons behind the Bank of Canada's rate decrease & learn how lower costs are driving inflation down and what this means for your mortgage. 🏠📊 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

3 Ways to Boost Your Down Payment Savings! 💰🏡 1️⃣ Maximize RRSP Contributions 2️⃣ Deposit Refunds into a First-Time Home Savings Account (FHSA) 3️⃣ Utilize Gifted Down Payments to Reduce Debt Start saving smart and get closer to owning your dream home! 🏠✨ Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

🔍 Variable Rate Mortgages Explained! 🔍 Christine and Jackie dive into the details of adjustable and static variable rate mortgages. Understand how these changes can affect your payments and what you can do to save money! 🏡💡 to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

In this video, Christine Kopr, Senior VP of Sales at Sotheby's Realty in Vancouver, BC, and Jacqueline Zerbe from Total Mortgage in North Vancouver, break down the latest Bank of Canada rate announcement. Discover how the new rate drop to 4.5% affects variable rate mortgages, lines of credit, and more. Learn valuable tips on managing your mortgage, refinancing options, and navigating the new rental regulations. Stay informed and make the best financial decisions for you and your family. 📉 Key Highlights: 1. Bank of Canada rate drop by 0.25% 2. Impact on variable rate mortgages and lines of credit 3. Refinancing tips and debt consolidation strategies 4. New rental regulations and their implications 5. Predictions on future rate changes 👍 Don't forget to like, share, and subscribe for more updates on the real estate market and mortgage tips! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Good news! Canada's annual inflation rate fell to 2.7% in June, driven by slower growth in gas prices and lower prices for durable goods. Gas prices only rose 0.4% in June, a significant drop from May's 5.6% jump. Key Highlights: Excluding gasoline, the consumer price index rose 2.8%. Grocery prices increased by 2.1%. Durable goods prices fell by 1.8%. Shelter spending and rent increases were softer than usual. Economists say this could give the Bank of Canada confidence to cut interest rates at next week’s meeting. Keep an eye on your finances as we navigate these changes! #Inflation #Economy #Canada #BankOfCanada #FinancialUpdate #InflationRate #EconomicNews Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Bill 14 is shaking things up with new protections and rules. Let us be your trusted partner in navigating these changes—from rent hikes to eviction notices, stay informed with expert guidance! 💼📜 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Enhance Your Space with Free Trees & Shrubs! 🌳🌿🏡 Apply now to join the Urban Tree Canopy Project and enjoy the many benefits of a greener, healthier environment. Limited supply, don't miss out! 🌱🌺 Follow @nvandistrict (https://www.instagram.com/nvandistrict/reels/?hl=en#) 🔗 Learn More https://www.dnv.org/community-environment/urban-tree-canopy-project (https://www.dnv.org/community-environment/urban-tree-canopy-project) 🔗 Request Free Plants https://www.dnv.org/community-environment/urban-tree-canopy-application-form #UrbanTreeCanopy #GreenLiving #FreePlants #EcoFriendly #Community #SustainableLiving #NorthVancouver #Vancouver #VancouverLiving Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

🏠 Ready to embark on your home-buying journey? Here are the first 5 steps to getting a mortgage and getting pre-approved: 1️⃣ Check Your Credit Score 2️⃣ Determine Your Budget 3️⃣ Gather Documentation 4️⃣ Get Pre-Approved 5️⃣ Shop for Your Dream Home Need expert guidance? We’re here to help! Contact us today! 🏡✨ Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Why Vancouver is the Perfect Place to Buy a Home, Grow a Family, and Experience a Fulfilled Life: Stunning Natural Beauty Vancouver is surrounded by breathtaking mountains, lush forests, and beautiful beaches. It's a paradise for outdoor enthusiasts! World-Class Education Vancouver offers excellent schools and universities, making it a great place to raise and educate your children. Vibrant Cultural Scene Enjoy a rich cultural life with diverse cuisines, festivals, theaters, and art galleries. Strong Economy Vancouver's robust economy and thriving job market provide ample opportunities for career growth and stability. High Quality of Life With its mild climate, safe neighborhoods, and extensive public amenities, Vancouver is consistently ranked among the top cities in the world to live in. Ready to make the move to Vancouver? 🏡 Let us help you start your mortgage approval process. Contact us today and take the first step towards your new life in this amazing city! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Wow, thank you so much Tenille! I'm so happy for you and Justin to have achieved your dream of homeownership as first time home buyers. Wishing you many happy memories in your gorgeous new home. Go well! Keith Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Unlock the Power of Your Home Equity with a Reverse Mortgage! 🏡💰 💬 Ready to explore your options? Get started today and turn your home equity into cash flow! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Unlock the potential in your home 🏡 with a Reverse Mortgage! Learn how you can access up to 55% of your home's appraised value while still retaining significant equity. 📈 No monthly payments mean your debt grows, but so could the value of your home. Don't navigate this alone; our experts are here to guide you with professional insights and visual aids to plan for the future. 📊 Ready to explore your options? Contact us to see how your home can continue to work for you in retirement. Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Unlock Your Financial Freedom! 🏡💰 Line of Credit: 🔹 Requires income qualification. 🔹 Mandatory monthly repayments. 🔹 Higher interest rates. Reverse Mortgage: 🔹 No income qualification. 🔹 No monthly repayments. 🔹 Access home equity without selling. Consider a reverse mortgage for stress-free cash flow. Reach out to us for more info! 📞 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Unlock the potential of your home with a reverse mortgage and enjoy financial freedom! Benefits of a Reverse Mortgage 🌟 🏡 No Monthly Mortgage Payments 💰 Keep Your Pension Income 💼 Improve Your Lifestyle 🏠 Stay in Your Home 🎉 Enjoy the Fruits of Your Labor Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

We understand the importance of family and home. If you're over 55, a Canadian citizen, and own your home, a reverse mortgage could be a great option for you! Unlock the value of your home without having to sell it. 🏡💰 Have questions? We’re here to help! Contact us for a personalized consultation today. Let’s explore your options together. Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Planning ahead pays off! If your mortgage is due for renewal within the next 12 months, take proactive steps now. Don't wait till the last minute! Reach out to a licensed mortgage broker at least 6 months before renewal to secure the best deal tailored just for you. Starting early ensures peace of mind and maximum savings. 📈 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Are you feeling tied down by your mortgage renewal? Think again! It's not just about signing on the dotted line – it's your chance to reimagine your financial future! Here's your roadmap: 1️⃣ Evaluate Your Financial Needs 2️⃣ Debt Consolidation 3️⃣ Explore Investments 4️⃣ Payment Flexibility 5️⃣ Consider Switching Lenders Don't let interest rates overwhelm you. Seize control of your mortgage renewal and paint the picture of your brighter financial future! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

In this video, I sit down with Vancouver Realtor Christine Kopr of Sotheby’s International Realty and break down the latest news from the Bank of Canada: a decrease in the overnight rate target from 5% to 4.75%. We'll explain what this means for variable rate mortgage holders, how it might impact your monthly payments, and what to expect in the coming months. In This Video: ‣ Interest Rate Update: What was the rate before and what is it now? ‣ Impact on Borrowers: How does this change affect variable rate mortgage holders? ‣ Fixed-Term Mortgages: Will there be any changes in fixed interest rates? ‣ Strategies for Borrowers: Key advice for those looking to get into the market or renew their mortgage. Key Points Discussed: 1. The difference between the overnight rate and the prime interest rate. 2. How much your mortgage payments might decrease. 3. Tips for managing your mortgage in a changing interest rate environment. 4. The importance of starting early and getting your financial documents in order. 🔔 Subscribe to our channel for more updates and insights on the real estate market and mortgage trends. Follow us on Instagram for daily tips and news! 📅 Important Dates: Next Bank of Canada Rate Announcement: July 24th 💬 We'd love to hear from you! Drop your questions or comments below and let us know what topics you want us to cover in our next video. Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Unlock better options for your mortgage renewal! 💼 Tip 3: Choice is Key 🗝 Don’t limit yourself to just one option. Explore a world of possibilities with a broker. Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

📢 Bank of Canada Rate Announcement - June 5, 2024 🔍 Top 3 Highlights: 1. The BoC has lowered its target for the overnight rate by 0.25% to 4.75%. 2. The economy grew at a slower pace with GDP at 1.70%, and while 90,000 jobs were added in April, economic slack is still rising. 3. Canada’s inflation rate slowed to 2.70% in April, with bond yields dropping and expected downward movement on fixed mortgage rates. 🏠 What Does This Mean for You? Major banks are likely to lower their Prime Lending Rate by 0.25% to 6.95%, benefiting variable rate mortgage holders. 💡 Stay Informed: Today’s announcement is positive, but the BoC remains vigilant on inflation. The next rate update is on July 24, 2024. 📞 Questions about your mortgage? Contact us today! 👇 Like, comment, share, and follow us for more updates! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Maximize Your Mortgage Renewal Options! Tip #2: Partner up with a licensed mortgage broker! 🏠💼 Gain access to a wide array of lenders, empowering you to explore and select the best fit for your needs. Don’t settle – compare and choose wisely! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

🏠 Considering a mortgage renewal? Tip #1: Don't settle for the status quo. Resist the urge to automatically renew without exploring other options. A better solution might be available elsewhere! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Unlock the power of choice when it comes to your mortgage renewal! 🏠 Whether you're considering a switch or a refinance, understanding your options is key to financial freedom. Let's explore together and find the best path for you! 💼💬 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Ready to renew your mortgage? 💼 Don’t settle for less! Let’s explore your options together and find the best fit for your financial goals. 💰 Our expertise ensures transparency and savings, putting your financial success first. Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Unlocking the door to your dream home begins with understanding the power of your credit history. 🏡✨ Your financial journey shapes the path to securing the perfect mortgage. Let’s turn those dreams into reality! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

Selecting the ideal mortgage term is pivotal when buying a home, impacting your interest rate, payments, and overall mortgage expenses. Here are key considerations, with the second being particularly favoured today. Have questions? Connect with us today! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

🏡 Here are some highlights from the Federal Government’s latest budget release. Reach out with any questions and let’s make your homeownership dreams a reality! 🏠💫 Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

The US Fed maintained their overnight rate today and is calling for three rate cuts by the end of 2024, provided inflation keeps decreasing. Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

We’re headed in the right direction. Let’s hope for more positive news tomorrow. February's inflation numbers came in lower than expected this morning at 2.8%. Economies had expected an uptick after a dip in inflation in January at 2.9%. Core inflation is also down which is what the Bank of Canada monitors closely. Shelter costs are still the biggest driver of inflation and if those were removed then we'd be close to the Bank of Canada's target of 2%. We’re unlikely to see a Bank of Canada rate cut in April but things are certainly trending in the right direction. Remember the Bank of Canada's rate decision directly impacts variable rate mortgages and lines of credit. We've seen a slight dip in bond deals this morning in response to the good inflation data but not big enough to warrant a decrease in fixed rates. Remember that the bond market directly impacts fixed-rate mortgages. The US Fed has their interest rate announcement tomorrow that will have a direct impact on the Canadian bond market because the US is Canada's biggest export partner and what happens in the States has ripple effects into Canada. Stay tuned for more updates and if you have any questions feel free to reach out we're always happy to help. Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

CANADA’S INFLATION RATE FELL TO 2.8% February inflation came in lower than the market had expected. Economists had expected an uptick after inflation dipped to 2.9% in January. Core Inflation is also down, which the Bank of Canada monitors closely. Shelter costs are still the biggest driver of inflation. If those were removed, then we’d be close to the BoC’s target rate of 2%. We’re unlikely to see a BoC rate cut in April, but things are certainly moving in the right direction. Questions? Reach out! Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver

As we all know, the bank of Canada, maintained their overnight rate last week. Economists and the market are predicting that hopefully by the summer we’ll start to see a decrease in the prime interest rate. What’s interesting though is that since the beginning of the year, we’ve seen fixed rates, continuously decreasing. Right now we’re seeing fixed rates range from the high fours to low fives. This is great for two reasons: one, a lower rate improves your monthly cash flow and 2, with the lower interest rate, you have a lower stress test rate. This means you can qualify for a higher purchase price and mortgage amount. It’s interesting to note that fixed rates are funded off the bond market and the bond market has been relatively stable the last few months. this means that the discounts we’re seeing on fixed rate mortgages are coming directly from lenders. Lenders are open and they and they are hungry for business. No mortgage is created equal, so if you’re not sure whether to go fixed or variable, book a call and we can explore your options. Book a call at www.chatwithjax.com Subscribe to our Newsletter & Get The Latest Mortgage News 🔗 www.totalmortgage.ca⁠⁠ Keith Baker & Jackie Zerbe⁠ 604.723.5363 | 604.724.6982⁠ For more information, visit us online at www.totalmortgage.ca Google: https://g.page/r/CcDu_VVeb0gfEBA Facebook: https://www.facebook.com/totalmortgageca Instagram: https://www.instagram.com/totalmortgage.ca/ Tik Tok: https://www.tiktok.com/@totalmortgage.ca #vancouver #vancouverhomes #vancouverhousehunting #vancouverrealestate #vancouverbusiness #interestrates #fixedratemortgage #mortgage #mortgagebroker #mortgagehelp #mortgagerates #mortgages #mortgagelender #mortgagespecialist #mortgagesolutions #mortgagestrategies #mortgagestrategy #northvancouver