Sergio Valentim - RBC Mortgage Specialist

03/19/2026

On March 18, 2026, the Bank of Canada announced that it is holding its interest rate at 2.25%.

Latest update: The Bank of Canada holds its interest rate at 2.25%.

03/12/2026

Get up to $4,800 in cash and Avion points only with an RBC mortgage.
For a great mortgage rate and more information on this limited-time offer, contact me anytime. I’m always happy to help.

03/05/2026

Great news! We have a new limited time offer that will make the first-time homebuying journey a little easier and more rewarding. Get an eligible RBC mortgage and you could receive up to $4,000 cash for first-time homebuyers and up to 65,000 Avion points. That’s a total value of up to $5,300 to help settle into your home, travel or even put towards your mortgage.

02/26/2026

Your homebuying journey doesn’t end when a seller accepts your offer. Understand what it takes to seal the deal, including expected costs and typical timelines.

Closing on a house is the exciting final stretch of your homebuying journey, but there are still a few steps to complete before the deal is done. Understanding the home closing process, including the time and money involved, will allow you to anticipate what’s next and plan ahead before you finall...

02/19/2026

Supply surge keeps Canadian house prices on a downtrend.

Potential buyers remained cautious despite elevated inventory giving them the upper hand. Severe winter weather likely contributed to the slowdown, with significant precipitation in several regions keeping prospective buyers on the sidelines.

02/12/2026

Understand the difference between fixed vs. variable mortgage rates, including the pros and cons of each so you can decide which one is best for you.

If you’ve begun looking into your home financing options, you’re likely wondering the difference between a fixed vs. variable mortgage rate. That’s because these are the two most common types of home loans offered in Canada. By understanding the pros and cons of each, you can weigh up your opt...

01/29/2026

On January 28, 2026, the Bank of Canada announced that it is holding its interest rate at 2.25%.

Latest update: The Bank of Canada holds its interest rate at 2.25%.

01/22/2026

Explore current RBC special mortgage offers. Check back often for first time home buyer offers, switch offers, and other limited time offers.

01/15/2026

Time to upskill your personal finance knowledge with free RBC Microcourses, including McGill Personal Finance Essentials. Learn more at: rbc.com/oncampus

01/08/2026

Online tools like Houseful make browsing listings easy, but sifting through hundreds of homes can make the process feel overwhelming. Learn how to take advantage of tools like filters and email alerts to focus your search and ensure you never miss a home that could be the one for you.

Like many tasks these days, much of your home search can be done more efficiently online. There are multiple real estate websites that allow you to filter through hundreds of homes within minutes and from the comfort of your couch. So if finding your next home feels overwhelming, then using homebuyi...

12/18/2025

With so much at stake, buying a home is a decision you want to make with confidence. No one wants a home they love to become a source of financial or emotional stress. Read our guide covering all the key factors to know if a house is a good investment for you.

With so much at stake, buying a home, especially your first one, is a decision you want to make with confidence. By considering all the key factors, including your own financial readiness, your future plans, the market and the property itself, you will know if a house is a good investment. Your pers...

12/11/2025

Buying a foreclosed home can be a bargain, but it also comes with risks. Find out if it’s the right approach for you.

The truth about buying a foreclosed home Buying a foreclosed home could be a great opportunity if you’re an experienced buyer or someone with business savvy. But beware of risks and hidden costs before you give in to the allure of a great deal — there’s more to a foreclosure sale than meets th...