Hey Everyone,
If you clicked “Already own, just staying informed,” this is exactly the moment to pay attention. Here’s why the current setup matters even if you’re not buying or selling today:
1) Home prices are easing—what that unlocks for you
A softer market changes the math in your favour. It can mean:
Trade-up opportunities look better when price gaps shrink.
Renovation plans get more realistic (contractors calm down when bidding wars aren’t the headline).
Appraisals can still support your goals if we structure things smartly—timing and comps matter.
Net: You get more room to make a better move, not just a bigger one.
2) Inflation is cooling—why that’s good for your financing
When inflation backs off, the pressure for rate hikes fades, and the conversation shifts toward easing.
Variable + HELOC holders: relief risk is moving the right way.
Renewals in the next 6–18 months: stability gives us a window to plan, not panic.
Fixed shoppers: calmer markets often bring quieter price improvements on products and terms.
Net: Planning beats guessing. We can map scenarios now and be ready to act.
3) Lenders compete quietly in steady markets—how that helps you
When rates aren’t jumping around, lenders focus on the “small hinges” that swing big doors:
Longer rate holds (more breathing room to decide)
Friendlier prepayment options (pay down faster without drama)
Occasional cashback (helpful for renos or moving costs)
Faster, cleaner approvals (less noise, fewer hoops)
Net: The “best deal” isn’t just the sticker rate. It’s the whole package—and that’s where I go to work for you.
Worth a call? Heck yeah.
If you:
renew within 6–18 months,
carry higher-interest balances you’d like to simplify, or
are debating renovate vs. relocate,
then a 10-minute check-in is genuinely useful. I’ll keep it simple: where you are, what you want, and the smartest path from A → B in this market.
Reply with your current rate, payment, and renewal date, and I’ll take it from there.
Lastly, I fired up the good old random win-o-bot for those who entered last week’s survey.
$50 Hotshots Card Winner...
>> Janae Y!
-Andrew
Myplace Mortgages
P.S. Janae, I’ll send you an email and co-ordinate the delivery of that card.
Text me, right now! 250-919-5474
I don’t say this on a whim, I’m serious, if you text me now, I can show you exactly where you stand within a few hours. No stress, no pressure, no obligation.
Just a simple text that can put you at ease.