Sergio Valentim - RBC Mortgage Specialist

07/09/2026

Canada's housing market is getting more affordable. But the window won't stay open forever. Let's connect and talk strategy.

RBC’s national housing affordability measure is at a four-year best, falling 1.4 percentage-points to 53% in Q1 2026. A decline in the measure means improving affordability.

06/18/2026

Switch your mortgage to RBC and get up to $5,900 in value. Conditions apply. Contact me for more information on this great offer. I can discuss your mortgage needs in English and Portuguese

06/11/2026

The Bank of Canada held its rate at 2.25% on June 10. Knowing what that means for your mortgage payments is key. Let's talk through your options.

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

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...