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Ashley Wilkinson - Mortgage Solutions, Calgary, AB (2026)

04/16/2025

📣🏦🇨🇦The Bank of Canada has decided to hold the overnight lending rate (at 2.75% for the policy overnight rate). This is the first pause by the BOC since June 2024. Prime is now 4.95%.

🇨🇦⚖️🇺🇸Trumps Tariff’s have not only been implemented, but heightened trade tensions and tariffs imposed by the US will slow the pace of economic activity. Investors haven’t been this bearish in 30 years.

💸🏦💳 While economic growth has come in stronger than expected, the uncertainty created by continuously changing US tariffs is restraining consumers’ spending intentions, businesses’ plans to hire and invest and global travel to the US is down significantly. The US dollar index also down 10%.

💰📉🇨🇦 March inflation came in well below expected at 2.3%. Unemployment was up to 6.7% with 62,000 FT jobs lost in March.

🗳️🇨🇦The upcoming Canadian election is also thought to impact the BOC’s decision to pause as to not have it portrayed the GOV has any say in rate decisions.

Their next rate decision is due June 4, 2025.

💡This hold will keep variable rates slightly higher than current fixed, and we have already seen a massive uptick in clients choosing a variable over fixed since October’s rate cut. Lenders are however shrinking the discount they offer on Variable terms drastically, as they see the risk factor for them continue to increase the further the BOC continues to drop.

If you want to know more specifically how this great news may affect you personally, reach out, let’s chat! 💬

📞 403-708-8190
📩 [email protected]
📲

03/12/2025

📣🏦🇨🇦The Bank of Canada has decided to drop the overnight lending rate with another -0.25% rate decrease (at 2.75% for the policy overnight rate) for the seventh consecutive rate announcement since June 2023. Prime is now 4.95%.

🇨🇦⚖️🇺🇸Trumps Tariff’s have not only been implemented, but heightened trade tensions and tariffs imposed by the US will slow the pace of economic activity and increase inflationary pressures in Canada.

💸🏦💳 While economic growth has come in stronger than expected, the uncertainty created by continuously changing US tariffs is restraining consumers’ spending intentions and businesses’ plans to hire and invest.

🇺🇸📈🇨🇦Monetary policy cannot offset the impacts of a trade war. What it can and must do is ensure that higher prices do not lead to ongoing inflation.

Their next rate decision is due April 16, 2025.

💡This change will bring variable rates on par with current fixed, and we have already seen a massive uptick in clients choosing a variable over fixed since October’s rate cut. Lenders are however shrinking the discount they offer on Variable terms drastically, as they see the risk factor for them continue to increase the further the BOC continues to drop.

If you want to know more specifically how this great news may affect you personally, reach out, let’s chat! 💬

📞 403-708-8190
📩 [email protected]
📲

01/29/2025

📣🏦🇨🇦The Bank of Canada has decided to drop the overnight lending rate with another -0.25% rate decrease (at 3.00% for the policy overnight rate) for the fifth consecutive rate announcement this year. Prime is now 5.20%.

🇨🇦⚖️🇺🇸Trumps Tariff’s have only just been whispered and the Canadian Parliament is already discussing a need for pandemic-level government spending to “keep unemployed Canadians afloat” and help offset the massive impact on Canadian business owners.
☮️⚠️US tariffs with no retaliation would mean more easing by the BOC. US tariffs with material retaliation by Canada could thwart easing and possibly even bring back policy tightening.

🏘️🏙️🔻Rental rates across Canada experienced the greatest softening in over 5 years this fall due to the reduced demand after the hard pause on both adult and student net immigration into Canada.

💸🏦💳 The growing concern of Canadian consumers surveryed states 50% of Canadians do not have confidence in their financial obligations being met this year.

🇺🇸⚖️🏠The Federal Reserve no longer sees any rate cuts in the years forecast, which continues to put upward pressure on 🇨🇦’s fixed rates to stay put or go up.

Their next rate decision is due March 12, 2025.

💡This change will bring variable rates on par with current fixed, and we have already seen a massive uptick in clients choosing a variable over fixed since October’s rate cut. Lenders are however shrinking the discount they offer on Variable terms drastically, as they see the risk factor for them continue to increase the further the BOC continues to drop.

If you want to know more specifically how this great news may affect you personally, reach out, let’s chat! 💬

📞 403-708-8190
📩 [email protected]
📲

01/25/2025

𝖢𝗈𝗇𝗌𝗂𝖽𝖾𝗋 𝗍𝗁𝗂𝗌 𝗆𝗒 👰‍♀️🤵𝑺𝒂𝒗𝒆 𝒕𝒉𝒆 𝑫𝒂𝒕𝒆 𝖿𝗈𝗋 𝗍𝗁𝖾 🏦 𝖡𝖺𝗇𝗄 𝗈𝖿 𝖢𝖺𝗇𝖺𝖽𝖺’𝗌 𝖱𝖺𝗍𝖾 𝖠𝗇𝗇𝗈𝗎𝗇𝖼𝖾𝗆𝖾𝗇𝗍 𝖲𝖼𝗁𝖾𝖽𝗎𝗅𝖾 𝖿𝗈𝗋 𝟤𝟢𝟤5.

𝗦𝗮𝘃𝗲 𝘁𝗵𝗶𝘀 𝗽𝗼𝘀𝘁 𝗳𝗼𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝗿𝗲𝗳𝗲𝗿𝗲𝗻𝗰𝗲, ♥️ 𝗹𝗶𝗸𝗲 𝗶𝘁 𝗰𝗮𝘂𝘀𝗲 𝘁𝗵𝗲𝘀𝗲 𝗱𝗮𝘁𝗲𝘀 𝗮𝗿𝗲 𝗹𝗶𝗸𝗲𝗹𝘆 𝗴𝗼𝗶𝗻𝗴 𝘁𝗼 continue to 𝗯𝗿𝗶𝗻𝗴 𝘂𝘀 𝗴𝗼𝗼𝗱 𝗻𝗲𝘄𝘀 𝘁𝗵𝗶𝘀 𝘆𝗲𝗮𝗿, 𝗮𝗻𝗱 𝘀𝗵𝗮𝗿𝗲 𝗶𝘁 𝘄𝗶𝘁𝗵 𝗮𝗹𝗹 𝘆𝗼𝘂𝗿 𝗳𝗿𝗶𝗲𝗻𝗱𝘀 𝗰𝗮𝘂𝘀𝗲 𝘁𝗵𝗲𝘆 𝗮𝗿𝗲 𝗴𝗼𝗶𝗻𝗴 𝘁𝗼 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗳𝗼𝗹𝗹𝗼𝘄 𝗺𝗲 𝗳𝗼𝗿 𝗮𝗹𝗹 𝘁𝗵𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗲𝗲𝗹𝘀 𝘁𝗵𝗲𝘆 𝗰𝗮𝗻 𝗳𝗶𝗹𝗹 𝘁𝗵𝗲𝗶𝗿 𝗯𝗼𝗼𝘁𝘀 𝘄𝗶𝘁𝗵! 🤪

𝖣𝗈 𝗒𝗈𝗎 𝗐𝖺𝗇𝗍 𝗍𝗈 𝗀𝖾𝗍 𝗂𝗇𝗍𝗈 𝗍𝗁𝖾 𝖱𝖾𝖺𝗅 𝖤𝗌𝗍𝖺𝗍𝖾 𝖬𝖺𝗋𝗄𝖾𝗍 𝖻𝗎𝗍 𝖽𝗈𝗇’𝗍 𝗄𝗇𝗈𝗐 𝗐𝗁𝖾𝗋𝖾 𝗍𝗈 𝗌𝗍𝖺𝗋𝗍? 𝖧𝖺𝗏𝖾 𝖺 𝖬𝗈𝗋𝗍𝗀𝖺𝗀𝖾 𝖼𝗈𝗆𝗂𝗇𝗀 𝗎𝗉 𝖿𝗈𝗋 𝗋𝖾𝗇𝖾𝗐𝖺𝗅 𝗂𝗇 𝟤𝟢𝟤5?

𝖫𝖾𝗍’𝗌 𝖼𝗁𝖺𝗍!!

💻 𝑎𝑠ℎ𝑙𝑒𝑦@𝑎𝑠ℎ𝑙𝑒𝑦𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒𝑠.𝑐𝑎
📲 403.708.8190

•𝐿𝑖𝑐𝑒𝑛𝑠𝑒𝑑 𝑏𝑦 𝑄𝑢𝑎𝑛𝑡𝑢𝑠 𝑀𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑆𝑜𝑙𝑢𝑡𝑖𝑜𝑛𝑠•

#𝗆𝗈𝗋𝗍𝗀𝖺𝗀𝖾𝗋𝖾𝗇𝖾𝗐𝖺𝗅 #𝖻𝖺𝗇𝗄𝗈𝖿𝖼𝖺𝗇𝖺𝖽𝖺 #𝗋𝖺𝗍𝖾𝖺𝗇𝗇𝗈𝗎𝗇𝖼𝖾𝗆𝖾𝗇𝗍𝗌 #𝗏𝖺𝗋𝗂𝖺𝖻𝗅𝖾𝗋𝖺𝗍𝖾 #𝗉𝗋𝗂𝗆𝖾𝗋𝖺𝗍𝖾

12/11/2024

📣🏦🇨🇦The Bank of Canada has decided to drop the overnight lending rate with another jumbo -0.50% rate decrease (at 3.25% for the policy overnight rate) for the fifth consecutive rate announcement this year. Prime is now 5.45%.

📈⚖️💰 Recent unemployment rate in November jumped to 6.8% (1.52 Million unemployed in Canada). Canadian Productivity has been falling for the last 10 years. Higher productivity is associated with a higher GDP.

📉🇨🇦 Federal government deficit spending directly causing high interest rates & more economic pain (higher unemployment & lower per-capita GDP). Five straight quarters of negative per capita GDP. Two straight Q’s is considered a recession.
The current federal government would rather call this a “Vibecession” trying to claim our economy is not as bad as Canadians feel it is.

🏗️🏘️📈Property development receivership on pace for a record year in 2024. Opposite of what we need in a housing crisis.

💸🏦💳 The growing concern of non-mortgage delinquency rates reaching the highest since financial crisis in 2010. Impacting people under 36 yrs the most.

🇨🇦📉⚖️ Canada bond yields have recovered since their recent upward push in November, which could lead to fixed rates coming back down slightly after they rose +0.40% in Nov.

Their next rate decision is due January 29, 2025.

This change will not impact buyer’s immediate qualifying power, as fixed rates are now on par with variable; it will however bring another decent relief to current variable rate mortgage holders by a sum of $30/$100k in mortgage monthly.

If you want to know more specifically how this great news may affect you personally, reach out, let’s chat! 💬

📞 403-708-8190
📩 [email protected]
📲

12/10/2024

📰📣 Big News today from the Government of Canada doubling the secondary suite loan program to $80,000 from its original announcement in April 2024 of $40,000. (Effective January 15, 2025)

If you don’t care to grow $288,000 💰💰💰in the next 15 years… and it will cost you nothing up front… go ahead and skip by this post. 😉

More details to come on December 16 during the Government’s Fall Economic statement.

Any questions on how you can start doing this — send me a DM— I would LOVE to chat about building your wealth in real estate!!🏡 🤑

📞 403-708-8190
📩 [email protected]
📲

#2025 #2%interest

12/09/2024

⭐️⭐️⭐️⭐️⭐️ Google Client Reviews

I am the lucky one when it comes to getting to help you save thousands of dollars on your mortgage, and buy your next home! 🏠

Beyond grateful for everyone who has, and continues to trust me with their mortgage needs, especially when I get to help investors start their portfolio and earn passive income !!🤍🙏🤑

If your mortgage is currently up for renewal in 2025, or you are thinking of buying— now is the time to reach out and get a rate hold submitted!

Let’s chat about how I can save you thousands of dollars!

📞 403-708-8190
📩 [email protected]
📲

12/02/2024

Feeling pretty grateful after this weekend’s Quantus Christmas Party. Always great to celebrate another great year amongst our brokerage and fellow Q brokers. This year was extra special as I was awarded the Partner’s Choice Award by my brokerage owners and .

I am so lucky to be surrounded by such amazing people at Quantus, and I truly would not be where I am today in the business without their help and support. I am so grateful to be surrounded by industry people who are not only ambitious, hard working and strive for excellence, but who are also kind, humble and just great humans overall.

Every day I have to pinch myself to remember this is my life, because my career affords me freedom not only financially, but more importantly with my time, and who I get to work and surround myself with. There are endless opportunities to learn and grow, and there is no glass ceiling, so the saying “the sky’s the limit” is truly in play.

I am just truly just getting started in this business, and I am so excited to see how far I can take it! 🚀

Thank you to all of my friends, family, colleagues, referral partners and clients who have trusted me in helping them or their clients with a mortgage. It is an absolute pleasure to help, guide and support you through this process, and I don’t take your trust in me lightly. 🩶💙🤍

Life has definitely thrown its obstacles at me this year, but I have tried to not focus on those obstacles, but instead pour energy and passion into my business, and remind myself that we don’t get to go through life unscathed… so while you may endure challenges in one area of your life, if you work hard, and stay focused and strong, other areas of your life will flourish.

🤍You’re favorite instagram Mortgage Broker, Ashley

…and as my girl TS says it best, “Lights, camera, bit*h smile!😃”

11/04/2024

⭐️⭐️⭐️⭐️⭐️ Google Client Reviews

I am the lucky one when it comes to getting to help you save thousands of dollars on your mortgage, and buy your next home! 🏠

Beyond grateful for everyone who has, and continues to trust me with their mortgage needs, especially when I get to help friends!!🤍🙏

If your mortgage is currently up for renewal in 2025, or you are thinking of buying— now is the time to reach out and get a rate hold submitted!

Let’s chat about how I can save you thousands of dollars!

📞 403-708-8190
📩 [email protected]
📲

10/23/2024

📣🏦🇨🇦The Bank of Canada has decided to drop the overnight lending rate with a -0.50% rate decrease (at 3.75% for the policy overnight rate) for the fourth consecutive rate announcement this year. Prime is now 5.95%.

📈⚖️💰 Recent inflationary data in September at 1.6% indicates the BOC might have overshot the landing, and several major banks are forecasting that the rate cutting cycle is far from over.
Inflation excluding shelter costs = 0.6%. 🤯 Almost deflationary which is quite alarming as far as the economy is concerned.

📉🇨🇦Canadian policy makers seem increasingly worried that the current high interest rates are causing more economic pain (higher unemployment & lower per-capita GDP) than is necessary.

💸🏦💳 The growing concern of the “slack” in the economy is more imminent than the media lets on, as the reality is interest rate changes have a substantial lag effect on the economy.

🇺🇸📉⚖️US markets and economy, specifically employment has put upward pressure on the 5 year bond, and we have recently seen fixed rates increase as a result.

Their next rate decision is due December 11, 2024.

This change will not impact buyer’s immediate qualifying power, as fixed rates are still lower than variable; it will however bring another decent relief to current variable rate mortgage holders by a sum of $30/$100k in mortgage monthly.

If you want to know more specifically how this great news may affect you personally, reach out, let’s chat! 💬

📞 403-708-8190
📩 [email protected]
📲

10/09/2024

🇨🇦🏦🏠There have been some big policy changes in the Canadian Mortgage scene this year. I have tried to highlight and Cole’s notes everything that’s been announced year in this carousel post.

Feel free to read through, share with anyone in the industry, or that may be looking to buy in the near future as these changes will likely be impacting them in some way.

As always, I am happy to chat with further details or answer any questions you may have - shoot me a DM! 📲

403-708-8190
📩 [email protected]
📲

Ashley Wilkinson - Mortgage Solutions

04/16/2025

03/12/2025

01/29/2025

01/25/2025

12/11/2024

12/10/2024

12/09/2024

12/02/2024

11/04/2024

10/23/2024

10/09/2024

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