Brickhouse Mortgages

07/30/2026

The Bank of Canada recently announced their rate schedule for 2027. The remainder of 2026 is shown here as well. See image below.

These are key dates for determining where mortgage rates are headed. Generally, most lenders will adjust their fixed rates and their discounts on variables rates shortly (~1-2 weeks) before these key dates.

Worried rates will go up? Converting your variable rate to a fixed rate before the hike may be an option. Locking in a fixed rate before these key dates can be very effective for those trying to time the market.

Excited rates will go down? Make sure you get any existing quotes reviewed around these key dates.

Wanna chat about rates? Give me a call! 867-689-1804 or email me [email protected].

06/22/2026

Before making an offer on a home, it’s important to understand exactly where you stand.

Do you have room to go above asking if needed? Is the property mortgageable? Are you fully aligned with your approved budget?

Even if you’ve already been pre-approved, it’s always a good idea to check in before submitting an offer, especially in a competitive market.

A quick conversation can help ensure you’re making a strong and informed decision.

06/16/2026

Being pre-approved is a great first step but being fully prepared can make the entire home buying process much smoother.

Simple things like keeping your documents up to date, filing your taxes on time, and avoiding unnecessary movement of your funds can help prevent delays.

It’s also important to stay in touch with your realtor and mortgage professional as your plans evolve.

If you’d like help getting everything lined up properly, I’m always happy to guide you through it.

05/27/2026

One of the biggest advantages of working with a mortgage broker is the ability to get advice without pressure.

My role is to help you understand your options, compare what’s available, and make a decision that works best for you not to push you in any particular direction.

Whether you’re ready to move forward or just exploring, you’re always welcome to reach out for a conversation.

05/27/2026

One of the most common questions I hear is: “Who has the best rate right now?”

While your bank is a great place to start, they’re only able to offer their own products. As a broker, I can compare rates across multiple lenders including options outside the traditional banks.

At the end of the day, you’ll either feel confident you already have a strong rate or discover an opportunity to save.

Reach out for a quick rate quote anytime.

05/22/2026

I’m excited to now serve clients across Whitehorse and the Yukon as a mortgage broker.

This means I’m no longer limited to just one lender, I can now offer you access to multiple options, competitive rates, and advice tailored to your situation.

If you’re thinking about buying, refinancing, or just want to understand your options, I’m here to help.

Call or email anytime for a quick, no-pressure conversation.

Whitehorse mortgage broker Erik Umbrich offers simple, straightforward advice backed by 12+ years of experience helping Yukoners achieve homeownership.

05/11/2026

Homes in Whitehorse can move quickly, and I often see buyers miss out simply because they weren’t ready to act in time.

Getting pre-approved early gives you a clear understanding of your budget and puts you in a position to make strong, confident offers when the right home comes along.

A quick conversation now can save you a lot of stress later and help you stay ahead in a competitive market.

If you’re even thinking about buying, it’s a great place to start.

04/30/2026

If you’re thinking about buying your first home, it’s completely normal to have questions or not know where to begin.

The best first step is simply having a conversation. We can walk through your goals, your budget, and what the process looks like from start to finish.

There’s no pressure and no obligation, only clear helpful information so you can make the right decisions when the time comes.

04/28/2026

Timing can make all the difference when it comes to securing a home.
Whether you’re actively shopping or just starting to explore your options, having quick and reliable answers helps you move with confidence.
I make it a priority to respond the same day or within one business day at the latest so you’re never left waiting when it matters most.
Reach out anytime if you need clarity on your next step.

Whitehorse mortgage broker Erik Umbrich offers simple, straightforward advice backed by 12+ years of experience helping Yukoners achieve homeownership.

04/13/2026

Timing is an important part of getting pre-approved, especially in a competitive market. I recommend a quick chat when you're starting to think about buying a new home. I can help you be prepared for the home-buying process with the right mortgage.

☎ 1-867-689-1804
🌐www.brickmortgages.com
📧[email protected]