Hiroko He-BMO Mortgage Specialist

01/02/2026

🎉A new year, and so much gratitude. 💛

Thank you to all my clients for trusting me with one of the biggest financial decisions in your lives. Your support, referrals, and kind words mean more to me than you know.
Wishing you a New Year filled with happiness, new beginnings, and many wonderful moments at home. 🏠✨

05/29/2025

NEW: First-Time Home Buyer GST Rebate is HERE!
Starting May 27, 2025, first-time buyers can save up to $50,000 on the GST for new homes.

On May 27, 2025, the federal government proposed the First-Time Home Buyers’ GST Rebate, designed to:
-Lower upfront costs for young and first-time buyers
-Stimulate new home construction across Canada

✅ Who Qualifies?

You may be eligible if:
-You are buying a new home from a builder
-You are building a home yourself (or hiring a builder)
-You are purchasing a share in a co-operative housing corporation
You must also:
-Be at least 18 years old
-Be a Canadian citizen or permanent resident
Not have owned a home (or lived in one owned by your spouse/partner) in the current or previous four calendar years

💸 How Much Can You Save?

New Homes under $1 million:
✅ 100% GST rebate (up to $50,000 savings)
Homes between $1 million and $1.5 million:
✅ Partial GST rebate (e.g., $25,000 rebate for a $1.25M home)
Homes $1.5 million and up:
❌ Not eligible

🏗️ What Properties Are Included?
Newly built homes purchased directly from a builder
Owner-built homes (land you own + build yourself or through a contractor)
Co-op housing shares (if the co-op paid GST on new construction)

🗓️ Timing Matters
To qualify:
Your purchase agreement must be signed on or after May 27, 2025
Construction must start before 2031 and be substantially complete before 2036
❗️Note: The rebate cannot be claimed if the original agreement was signed before May 27, 2025—even if it’s reassigned or restructured.

GST relief for first-time home buyers on new homes valued up to $1.5 million

01/31/2025

🏦Since BOC announced another rate drop,I’ve been getting multiple inquiries from client “Why fixed mortgage rates are still the same,sometimes on a rise?”

For those wondering,

🏦Variable Rates: When BOC rate changes, it directly affects variable-rate mortgages and lines of credit, which can have a significant impact on businesses and individuals carrying large amounts of debt.

🏦Fixed Rates: These aren’t immediately affected by rate cuts or hikes but follow trends in the bond market, which can sometimes move in the opposite direction.Fixed mortgage rates are closely tied to 🇨🇦bonds yields, especially 5-year bonds.

What effects bond yields?

Investor Demand: If investors are nervous about the economy, they often buy more bonds because they’re seen as a safe investment. High demand for bonds drives the yields down, which can lead to lower fixed mortgage rates.

Economic News and Inflation: If inflation is rising or the economy is strong, bond yields usually go up. This is because investors want a higher return on their money to keep up with inflation, which means fixed mortgage rates might also increase.

This 4 min videos below tells you all you need to know about Variable vs Fixed
https://youtu.be/6QFMaJcVh_I?si=SvbDQZDiLoOeVJS-

Interested in a new mortgage or switch?
Let’s connect!

BMO Mortgage Specialist
Hiroko He
☎️9029792107
📧[email protected]

As inflation and bank rates fall, some mortgage rates are actually going up. We take a look at why fixed rates aren’t following other interest rates and head...

11/02/2024

It’s happening!!

Come join us at the big fiddle 12-5!!

10/31/2024

Come chat with me🥳🥳
Nov 2nd 12-5pm74 Esplanade, Cape Breton

🌟Sponsor Shoutout!

Thank you to our Global Sponsors for supporting Hello Cape Breton | Kwe' Unama'ki. This FREE Multicultural Festival would not be possible without your help!

04/17/2024

✨Did you know？

Bank of Montreal is the official bank of the Canadian Defence Community.Our Canadian Defence Community customers saved more than $20.7M in monthly banking fees in 2023 by banking with us.Plus,we’ve partnered with the Canadian Forces Morale and Welfare services to offer banking solutions for the CDC community.

🏠Explore mortgage solutions

• BMO employee discounts on a wide range of mortgage options
• Flexibility to move or break your mortgage through the Canadian Armed Forces or RCMP Relocation Directives
•130-day mortgage rate guarantee – the longest of any major bank in Canada

❓Who’s eligible?

All members of the million strong Canadian Defence Community are eligible for the CDCB Program, including:

·Canadian Armed Forces (CAF) members (Regular and Reserve Force) and their families
·Veterans (former members of the CAF) and their families, including families of the deceased
·Members of foreign military currently serving with the CAF and their families
·Current Staff of the Non-Public Funds, Canadian Forces (NPF, CF) and their families
·Current staff of Military Family Resource Centres (MFRCs) and their families
·Current Department of National Defence (DND) public servants and their families
·Serving and former Royal Canadian Mounted Police (RCMP) and their families
·Current and former Canadian Coast Guard members and their families
·Current staff of Defence Research and Development Canada (DRDC) and their families
·Current staff of Defence Construction Canada (DCC) and their families
·Current staff of Communications Security Establishment (CSE) and their families
Honourary Colonels/Captains(N), Lieutenant Colonels/Commanders and their families
Former Staff of the NPF, CF with a pension and their families
·Former Staff of DND with a pension and their families

Chat today and explore your options💡
📱9029792107
📧[email protected]

03/10/2024

🏠Few closing to wrap up F24 Q1🏠

No hibernation for me this winter😆

Mortgages—they can be overwhelming, confusing, and costly.I’m here to help!

If you are looking to:

🔑buy your first home
🔑move up or down the property ladder
🔑borrow money using your home equity for that much-needed renovation
🔑build a real estate portfolio or, roll high interest outside debt into a restructured mortgage

✨Let’s chat about it✨
👩🏻‍💼Hiroko He-Mobile Mortgage Specialist
📱902-979-2107
📧[email protected]

03/01/2024

Sharing this for those that may not have seen it: The first-time home buyer incentive has been discounted.See details

https://www.cmhc-schl.gc.ca/consumers/home-buying/first-time-home-buyer-incentive

10/30/2023

🏠A few closing in Q4
💰Looking forward to F23
☎️ Contact me at 9029792107 for mortgage advice