Christine Tobias PREC, Homelife Benchmark Realty Corp.

Christine Tobias PREC, Homelife Benchmark Realty Corp. HomeLife Benchmark Realty Corp. White Rock

As a Professional and honest Realtor® I am here to assist you in the transition of buying and selling - Christine Tobias Personal Real Estate Corporation, Future Real Estate Group

09/28/2026

*2 year fixed @ 4.19%
*3 year fixed @ 4.29%
*4 year fixed @ 4.44%
*5 year fixed @ 4.49%
*Variable Rate Mortgage 3.60% @ prime -0.85% prime rate is 4.45%
Next Bank of Canada meeting is Wednesday October 28th, 2026
OAC, rates for high ratio purchases, subject to certain conditions, rates may change without notice, call for a quote*
Residential Market Commentary - Rate debate

· Be the expert
· Sep 28, 2026
· First National Financial LP
The debate about an impending rate hike by the Bank of Canada is getting a little more vigorous.

Speculation about a Canadian increase started to heat up following a boost by the U.S. Federal Reserve on September 16. The U.S. central bank raised its key lending rate – for the first time in three years – in response to persistent inflation, driven by high oil prices as a result of the U.S.-led war in Iran.

Bank of Canada Governor Tiff Macklem has been clear that policymakers here will follow Canadian data, which is currently different than what is coming out of the States. Canadian inflation is lower and is not under the same energy price pressure as the U.S., and Canada’s economy is seen as having more room to grow.

These factors have not prevented bond traders from pricing-in at least one BoC rate increase before the end of the year, with some forecasting two hikes. Several of the country’s, well known, bank economists are baulking at those projections. They argue that the bond market is getting ahead of the data, and that tariffs and trade uncertainty are bigger factors than inflation right now.

As for the Bank of Canada, Macklem is not ruling out rate increases if they are required.

“We don’t want to raise our policy rate and restrain growth if inflationary pressures are contained. But nor do we want to be too slow to respond if inflationary pressures are becoming more persistent,” he said. "We are going to make our best judgment and decide what we think is the best thing to do to bring inflation back to target."

Lynn McLellan BA
APPLY ONLINE: https://lynn-mclellan.mtg-app.com/signup
A Member of the Verico Broker Network
Dreyer Group Mortgages Inc
#404-1688 152nd Street, Surrey, BC V4A 4N2
Phone: 604 536 8400. Cell/Text: 604 518 2383.

09/22/2026

Weekly Mortgage Rate Update
*2 year fixed @ 4.19%
*3 year fixed @ 4.29%
*4 year fixed @ 4.44%
*5 year fixed @ 4.49%
*Variable Rate Mortgage 3.60% @ prime -0.85% prime rate is 4.45%
Next Bank of Canada meeting is Wednesday October 28th, 2026
OAC, rates for high ratio purchases, subject to certain conditions, rates may change without notice, call for a quote*
Residential Market Commentary - American influence

· Be the expert
· Sep 21, 2026
· First National Financial LP
Here is a situation that has not received a lot of attention over the past few years: Interest rate decisions by the central bank in the United States are influencing forecasts for rate moves in Canada.

Last week the U.S. Federal Reserve bumped up its trend-setting rate by 25 basis-points. It is the first increase in three years and moves the key rate into the 3.75% - 4.0% range. The Fed’s rate-setting committee has also indicated it is prepared to do it again, before the end of the year, if necessary. That has some analysts speculating on a rate hike in Canada sooner rather than later, potentially before the end of 2026.

The Bank of Canada has been signalling a willingness to raise rates, for several months. Canada’s Policy Rate remains at 2.25%, where it has been for eight consecutive settings.

The U.S. Fed decided to raise its rate because of persistent inflation. Higher prices are being fueled by increasing energy costs as a result of the U.S. lead war in Iran.

The Bank of Canada’s interest rate policy has traditionally worked in concert with the Fed. American rates can influence the value of the Canadian dollar and there are other, knock-on, effects. An increase in the Fed rate usually increases the yield on U.S. government bonds. In turn, that usually boosts the yield on Government of Canada bonds. Because the interest on fixed-rate mortgages is priced off those bonds, it can mean higher borrowing costs for home buyers.

Of course, if the BoC raises its Policy Rate to balance off currency and inflationary impacts from the U.S. hikes variable-rate borrowers will feel those increases right away.

Lynn McLellan BA
APPLY ONLINE: https://lynn-mclellan.mtg-app.com/signup
A Member of the Verico Broker Network
Dreyer Group Mortgages Inc
#404-1688 152nd Street, Surrey, BC V4A 4N2
Phone: 604 536 8400. Cell/Text: 604 518 2383.

I’m very grateful to work with exceptional clients and their families.
09/15/2026

I’m very grateful to work with exceptional clients and their families.

🏠305 5033 Cambie Street, 1 Bed | 1 Bath | 575 sqftWelcome to prestigious 35 Park West in Vancouver’s sought-after Cam...
09/12/2026

🏠
305 5033 Cambie Street,
1 Bed | 1 Bath | 575 sqft
Welcome to prestigious 35 Park West in Vancouver’s sought-after Cambie Corridor. Surrounded by nature, you’re just minutes from Queen Elizabeth Park and VanDusen Botanical Garden. Conveniently located just blocks from the Canada Line, offering an easy 20-minute commute to downtown Vancouver. This modern concrete building features air conditioning for year-round comfort and enhanced sound insulation for peaceful living. Functional open-concept layout with a versatile den and high-end appliances. Includes secure underground parking and storage. A fantastic opportunity to join a vibrant community and invest in one of Vancouver’s fastest-growing neighbourhoods.

09/01/2026

Weekly Mortgage Rate Update
*2 year fixed @ 3.94%
*3 year fixed @ 4.04%
*4 year fixed @ 4.19%
*5 year fixed @ 4.24%
*Variable Rate Mortgage 3.60% @ prime -0.85% prime rate is 4.45%
Next Bank of Canada meeting is Wednesday September 2nd, 2026
OAC, rates for high ratio purchases, subject to certain conditions, rates may change without notice, call for a quote*
Residential Market Commentary - New heights for consumer debt

· Be the expert
· Aug 31, 2026
· First National Financial LP
Consumer debt in Canada has hit a new, record high topping $2.6 trillion in the second quarter.

Credit monitoring firms Equifax and TransUnion put the total at $2.68 trillion and $2.64 trillion respectively. Both companies report an increase in the number of Canadians falling behind on their payments.

TransUnion says debt levels grew faster than the number of people using credit, with existing borrowers carrying bigger balances compared to the same period a year ago. Equifax notes that Q2 consumer debt increased 1.3% from Q1, and is up 4.18% year-over-year.

According to TransUnion borrowing growth was strongest among consumers with the highest and lowest credit profiles. It suggests some households have increased borrowing from a position of financial strength while others may be leaning on credit to support normal, daily expenses.

TransUnion also reports that the most significant increase in consumers who are 90+ days overdue on payments occurred in Alberta, Saskatchewan and Ontario. Equifax notes that the number of Ontario mortgage holders who are 90+ days overdue has increased in every quarter for the past four years.

Mortgage delinquency rates remain low across Canada but TransUnion notes that delinquencies of 60+ days did edge higher particularly in the more expensive markets where borrowers tend to have larger mortgage balances and, therefore, face greater affordability pressures and more exposure to payment shocks.

Lynn McLellan BA
APPLY ONLINE: https://lynn-mclellan.mtg-app.com/signup
A Member of the Verico Broker Network
Dreyer Group Mortgages Inc
#404-1688 152nd Street, Surrey, BC V4A 4N2
Phone: 604 536 8400. Cell/Text: 604 518 2383.

I’m very grateful to work with exceptional clients and their families.
08/23/2026

I’m very grateful to work with exceptional clients and their families.

🎉🎉 104-15150 29a Ave 2 Bed | 2 Bath | 991 sq ft | 280 sq ft PatioSANDS II - This very quiet, and private first-floor ...
08/22/2026

🎉🎉 104-15150 29a Ave
2 Bed | 2 Bath | 991 sq ft | 280 sq ft Patio
SANDS II - This very quiet, and private first-floor unit boasts 2 bedrooms, 2 full bathrooms in an open layout that is perfect for first-time home buyers or downsizers. Enjoy an open-plan kitchen with counter-height seating, perfect for entertaining your family and friends. Enjoy barbeques on the bright, southern exposure and spacious private patio with garden space. Two parking stalls and a storage locker. Close to all the major transportation links, and walking distance to Southpoint Shopping - featuring Cactus Club Cafe, Milestones, Homesense, Canadian Tire, Starbucks, Major banks, quick and easy access to Hwy 99! Both cats and dogs are allowed. Make this one your home!
Offered at $495,000 MLS R3133067

🏡 40-2450 161a Street, 4 Bed | 3 Bath | 1697 sq ft Living Welcome to Glenmore at Morgan Heights! This quiet 4-bedroom...
08/22/2026

🏡 40-2450 161a Street,
4 Bed | 3 Bath | 1697 sq ft Living
Welcome to Glenmore at Morgan Heights! This quiet 4-bedroom townhome is ideally located in the center of the complex and features a private fenced front yard perfect for outdoor entertaining, plus a balcony with new vinyl flooring. The bright open kitchen offers stainless steel appliances, quartz countertops, a large island, and water filtration system, with all appliances recently replaced and a new hot water tank (2025). Upstairs includes a spacious primary bedroom with 4-piece ensuite and two generous bedrooms, while the lower level offers a fourth bedroom and full bath. Enjoy clubhouse, gym, outdoor pool, hot tub, and indoor floor hockey rink. Walk to shops, transit, and top schools.
Offered for $879,000

Address

1-1920 152nd Street
White Rock, BC
V4A4N6

Telephone

+16043747653

Website

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