Sajid Karamally - Realtor/Mortgage Broker

Sajid Karamally - Realtor/Mortgage Broker Book a virtual appointment here: https://calendly.com/meetwithsajid/30min

Best 3-Year Fixed Mortgage Rates In Canada For 2026When it comes to planning your mortgage strategy, a 3-year fixed-rate...
09/24/2026

Best 3-Year Fixed Mortgage Rates In Canada For 2026
When it comes to planning your mortgage strategy, a 3-year fixed-rate can be an appealing choice—especially if you value predictable payments and want to shield yourself from unexpected rate increases. While this term offers stability, it's good to keep in mind it comes with less flexibility and steeper penalties should you need to break early. The right fit for you will depend on your unique financial situation, the rates on offer, and the lender’s reputation. With access to over 50 of Canada’s top lenders, I help clients compare these options to find what truly aligns with their needs—whether that's for a purchase, renewal, or refinancing.


https://www.roomvu.com/agent-news/sajid-karamally/1970578-Best-3-Year-Fixed-Mortgage-Rates-In-Canada-For-2026

09/24/2026

Canada's Fixed-Versus-Variable Mortgage Choice
When it comes to choosing between fixed and variable mortgages in Canada, there’s always a lot to consider. At present, high-ratio fixed options are advertised around 4%, while variable rates come in closer to 3%. On a $500,000 mortgage over 25 years, that means opting for fixed could cost you about $211 more each month in exchange for peace of mind. For many, the lower variable rate also means easier qualification—stress-test payments in this scenario are roughly $232 less per month, allowing for greater flexibility with debt servicing right from the start.

Variable rates have remained relatively stable as the central bank has held policy, while five-year fixed rates have moved in step with term funding costs and the Canada bond yield. For major lenders, mortgage renewals have opened doors for both pricing strategies and client retention, as borrowers adjust their terms, products, or amortizations—most of the risk remains concentrated with individual borrowers, not spread across the system.

If the five-year Canada yield declines, we could see fixed rates become more attractive. Conversely, if the policy rate changes, variable rates will react more quickly. Right now, a variable mortgage offers lower payments, while a fixed rate delivers stability. As a mortgage broker with access to over 50 leading lenders, I keep a close eye on these shifts to help clients navigate the best option for their unique needs.

09/23/2026

Welcome to this exceptional custom-built luxury home situated on a sprawling 8,635 sqft. lot, offering over 5,500 sqft. of beautifully designed living space. Featuring an open-concept layout with premium finishes, soaring ceilings, a chef-inspired kitchen, and a fully equipped wok kitchen, this home is perfect for both everyday living and entertaining. Two self-contained suites provide excellent flexibility for extended family or mortgage-helper income. The oversized driveway accommodates 10+ vehicles, with additional space for an RV, boat, or trailer. Ideally located near top-rated schools, parks, shopping, and transit, this remarkable home offers the perfect blend of luxury, space, and convenience.

09/22/2026

Mid-year outlook for Canada's housing market: Between correction and recovery
As someone who works closely with both homebuyers and those looking to refinance or renew, I’m seeing first-hand how Canada’s housing market is finding its footing in 2026. Resale numbers are climbing, inventory is stabilizing, and price declines are easing up. While there are still challenges ahead—like shifts in immigration policy and fluctuating interest rates—there’s a sense of cautious optimism for 2027, with expectations for a modest rebound. My experience navigating mortgages and real estate from both sides gives me a unique perspective on how these trends may impact your plans, whether you’re purchasing, renewing, or exploring new opportunities.

09/21/2026

Canada's Shorter Mortgages Raise Rate Exposure
Canadian borrowers are increasingly opting for variable-rate or shorter-term fixed mortgages, which means they feel changes in borrowing costs more quickly when renewal time comes around. Our system passes interest rate shifts directly to households—unlike markets where long-term fixed mortgages are the norm. While this can make our banking sector more resilient, it also means homeowners are more sensitive to rate movements year to year. That doesn’t mean shorter terms are a poor choice; many clients consider inflation, future income, refinancing flexibility, and even how long they expect to stay in their home. As someone who works closely with a wide range of lenders, I see firsthand how important it is to weigh these factors. The landscape keeps evolving, and understanding your renewal exposure is key to making informed decisions.

Vancouver Homebuyers Benefit from Easing PricesEven with a recent $10,300 drop in Vancouver home prices and lower mortga...
09/20/2026

Vancouver Homebuyers Benefit from Easing Prices
Even with a recent $10,300 drop in Vancouver home prices and lower mortgage rates shaving $2,540 off the required income and $70 from monthly payments, the bar for homeownership remains high. Buyers now need an annual income of $223,860—well above the city's $69,000 median salary. As someone who guides clients through both mortgage and real estate options, I see firsthand how these numbers impact decisions. Access to a wide network of lenders can open more doors, but affordability continues to be a major challenge for many in our market.


https://www.roomvu.com/agent-news/sajid-karamally/1954764-Vancouver-Homebuyers-Benefit-from-Easing-Prices

Find the best fixed mortgage rates in CanadaWith fixed mortgage rates in Canada currently anchored above 4% due to gover...
09/18/2026

Find the best fixed mortgage rates in Canada
With fixed mortgage rates in Canada currently anchored above 4% due to government bond yields, many homebuyers are noticing that the lowest insured 5-year fixed rate sits at 4.09%. It’s important to remember that fixed rates track bond yields—not the Bank of Canada’s overnight rate—so fluctuations in the bond market directly impact what you’ll pay. While variable rates may be a touch lower, many clients are opting for the stability of fixed options, especially given the uncertainty around future payments. In my work as both a mortgage broker and a realtor, I’ve seen how understanding these nuances can make a real difference when planning your next move in the housing market.


https://www.roomvu.com/agent-news/sajid-karamally/1957241-Find-the-best-fixed-mortgage-rates-in-Canada

Find the best 5-year variable mortgage rates in CanadaAs someone who helps clients navigate mortgage options every day, ...
09/18/2026

Find the best 5-year variable mortgage rates in Canada
As someone who helps clients navigate mortgage options every day, I often get questions about 5-year variable-rate mortgages in Canada. These mortgages have interest rates that move with your lender’s prime rate, which itself is influenced by the Bank of Canada’s overnight rate. Depending on the product, your payments might change or stay the same, but the underlying rate can shift due to factors like inflation, economic trends, global events, and lender competition. With access to over 50 of Canada’s top lenders, I see firsthand how these variables play out in real time, and I’m always watching the market to find the best fit for my clients’ needs.


https://www.roomvu.com/agent-news/sajid-karamally/1957242-Find-the-best-5-year-variable-mortgage-rates-in-Canada

09/17/2026

British Columbia Delinquency Rates Tick Higher
Mortgage delinquencies in British Columbia are showing a subtle but important uptick, with about 0.3% of mortgage balances now at least 60 days past due. This slight increase is a signal that some homeowners are starting to feel the squeeze—especially those with larger mortgages, which is not surprising given BC’s reputation as one of Canada’s most expensive housing markets. The broader account-level delinquency rate has also nudged up to ~0.3%, indicating that credit stress is spreading beyond just the highest balances. It’s clear that higher-cost regions like ours are feeling affordability pressure and payment shocks more keenly, which is why these trends are appearing here first. Borrowers who took out mortgages in 2022 and 2023 are especially impacted—particularly in the subprime segment—while those securing mortgages in 2024 are generally seeing better outcomes. Having helped clients navigate every kind of mortgage scenario, I see firsthand how market shifts affect borrowers across the spectrum, and why understanding these nuances is key to making informed decisions.

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103 7337 137 Street
Surrey, BC
V3W1A4

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