Hey Everyone,
Remember July 2022? Back before interest rates skyrocketed? Well, yesterday’s Bank of Canada rate drop has quietly reset the prime rate to 4.45%, right back to the sweet spot just before the massive increase we saw three years ago.
But here’s the thing: this time, it’s even better.
Rates are back. That long-term 4.45% prime? You’re in the same position as buyers who moved before the big surge.
Home prices have dropped. You’re not just getting 2022 financing, you’re getting a discount on the property itself AKA the great housing price correction of 2025.
You get to do what everyone wishes they did. For years, it’s been, “I wish I’d bought before rates went up.” Now you can, and for less. Seriously.
Seriously. What are you waiting for now?
Interest rates like before it went crazy? ✅
House Prices like before they went crazy? ✅
These conditions won’t last. Home prices usually adjust quickly when rates change. By the time the Bank of Canada reassesses, the best deals will be gone.
I know, we all would have like to have bought Apple Stock when you could get it for $20/share or Bitcoin when it was $100/coin… it’ll never be those prices again. The conditions that created those opportunities then are no longer present.
So waiting for house prices to get back to what they were priced at in the early 2000s isn’t going to happen either. There’s more people, there’s inflation, there’s an aging population that is remaining in their homes, wealth accumulation buyers… institutional buyers… and so on.
And you have to remember, many people who bought at the top, can only discount so much before they simply have to hold the property and change their life plans. Maybe it becomes a rental property? Maybe they remain in the home for now and keep paying down their mortgage and rate for prices to go up.
So, with all that said, this is your chance to turn back the clock. For the first time since rates jumped in 2022, you can get a pre-surge rate and a heavily discounted deal on a home before prices climb again.
So act with quiet confidence:
Lock your rate while it lasts.
Make your offer while homes are undervalued.
Remember, the money you save today on price will almost certainly outpace any small future rate shift.
This is the window people have been waiting for. Turn back the clock, move forward with purpose, and let today’s conditions put you ahead.
The time everyone wishes for is right now. Let’s go.
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.