Lisa Klee Mortgages - formerly Allegro Mortgages

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Lisa Klee Mortgages - formerly Allegro Mortgages Part of A Better Way Mortgage Group- Powered By Mortgage Architects A Better Way Our Services include Home purchases and first-time buyer mortgages.

Mortgage renewals and refinances. Commercial and investment property financing. Construction and Land financing. Self-employment and alternate lending solutions. As an independent mortgage broker, we work with major banks, credit unions, and private lenders to secure competitive mortgage rates and flexible terms. Our local market knowledge and personalized approach help clients make confident financing decisions. We are Local Chilliwack Mortgage broker. Offering free consultations for residential and commercial mortgages serving Chilliwack and the Fraser Valley.

Important Dates for this Month๐Ž๐œ๐ญ๐จ๐›๐ž๐ซ ๐Ÿ๐Ÿ— - ๐‚๐š๐ง๐š๐๐ข๐š๐ง ๐ข๐ง๐Ÿ๐ฅ๐š๐ญ๐ข๐จ๐ง ๐ซ๐ž๐ฉ๐จ๐ซ๐ญ๐Ž๐œ๐ญ๐จ๐›๐ž๐ซ ๐Ÿ๐Ÿ– - ๐๐š๐ง๐ค ๐จ๐Ÿ ๐‚๐š๐ง๐š๐๐š ๐‘๐š๐ญ๐ž ๐€๐ง๐ง๐จ๐ฎ๐ง๐œ๐ž๐ฆ๐ž๐ง๐ญReach ...
10/14/2026

Important Dates for this Month
๐Ž๐œ๐ญ๐จ๐›๐ž๐ซ ๐Ÿ๐Ÿ— - ๐‚๐š๐ง๐š๐๐ข๐š๐ง ๐ข๐ง๐Ÿ๐ฅ๐š๐ญ๐ข๐จ๐ง ๐ซ๐ž๐ฉ๐จ๐ซ๐ญ
๐Ž๐œ๐ญ๐จ๐›๐ž๐ซ ๐Ÿ๐Ÿ– - ๐๐š๐ง๐ค ๐จ๐Ÿ ๐‚๐š๐ง๐š๐๐š ๐‘๐š๐ญ๐ž ๐€๐ง๐ง๐จ๐ฎ๐ง๐œ๐ž๐ฆ๐ž๐ง๐ญ
Reach out to me for your mortgage questions or needs. Lisa - Call or Text 604-799-6627

Feeling thankful for my wonderful clients, referral partners, and the community Iโ€™m grateful to call home. Your trust an...
10/12/2026

Feeling thankful for my wonderful clients, referral partners, and the community Iโ€™m grateful to call home. Your trust and support mean so much to me. ๐Ÿงก

Wishing you and your family a Happy Thanksgiving filled with good food, laughter, and time together! ๐Ÿ‚

๐–๐ก๐š๐ญ ๐ข๐ฌ ๐š ๐‘๐š๐ญ๐ž ๐‡๐จ๐ฅ๐?Whether you are looking to renew your mortgage or purchase a new home, getting a rate hold locked in...
10/01/2026

๐–๐ก๐š๐ญ ๐ข๐ฌ ๐š ๐‘๐š๐ญ๐ž ๐‡๐จ๐ฅ๐?
Whether you are looking to renew your mortgage or purchase a new home, getting a rate hold locked in can give you complete peace of mind.
Contact me today to find out how it works!
Send me a quick text at 604-799-6627 Lisa Klee

Do you have a question? We have answers. Residential Purchases, Renewals, or Refinances. We also Specialize in Commercia...
09/22/2026

Do you have a question? We have answers. Residential Purchases, Renewals, or Refinances. We also Specialize in Commercial Mortgages. Business Acquisitions, Renewals, Refinances, CMHC Multi Family Projects. Send us an Email with your Questions. [email protected] Lisa Klee Mortgage Broker

๐‹๐Ž๐‚๐Š ๐ˆ๐ ๐˜๐Ž๐”๐‘ ๐‘๐€๐“๐„ In Canada, fixed interest ratesโ€”๐ž๐ฌ๐ฉ๐ž๐œ๐ข๐š๐ฅ๐ฅ๐ฒ ๐Ÿ๐ข๐ฑ๐ž๐-๐ซ๐š๐ญ๐ž ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž๐ฌโ€”๐š๐ซ๐ž ๐ฉ๐ซ๐ข๐œ๐ž๐ ๐๐ข๐ซ๐ž๐œ๐ญ๐ฅ๐ฒ ๐จ๐Ÿ๐Ÿ ๐ ๐จ๐ฏ๐ž๐ซ๐ง๐ฆ๐ž๐ง๐ญ ๐›๐จ๐ง...
05/19/2026

๐‹๐Ž๐‚๐Š ๐ˆ๐ ๐˜๐Ž๐”๐‘ ๐‘๐€๐“๐„
In Canada, fixed interest ratesโ€”๐ž๐ฌ๐ฉ๐ž๐œ๐ข๐š๐ฅ๐ฅ๐ฒ ๐Ÿ๐ข๐ฑ๐ž๐-๐ซ๐š๐ญ๐ž ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž๐ฌโ€”๐š๐ซ๐ž ๐ฉ๐ซ๐ข๐œ๐ž๐ ๐๐ข๐ซ๐ž๐œ๐ญ๐ฅ๐ฒ ๐จ๐Ÿ๐Ÿ ๐ ๐จ๐ฏ๐ž๐ซ๐ง๐ฆ๐ž๐ง๐ญ ๐›๐จ๐ง๐ ๐ฒ๐ข๐ž๐ฅ๐๐ฌ, not the Bank of Canadaโ€™s prime rate.
When the 5 year Government of Canada bond yield climbs, it means it is costing banks more to borrow the money they lend out for long term loans. To preserve their profit margins, banks pass that cost straight down to the consumer.

๐๐ž๐ฐ ๐‡๐ข๐ซ๐ž ๐€๐ฅ๐ž๐ซ๐ญ: ๐Œ๐ž๐ž๐ญ ๐๐ž๐! Weโ€™ve finally found a broker who is willing to work for treats and won't stop until he fetche...
05/13/2026

๐๐ž๐ฐ ๐‡๐ข๐ซ๐ž ๐€๐ฅ๐ž๐ซ๐ญ: ๐Œ๐ž๐ž๐ญ ๐๐ž๐!
Weโ€™ve finally found a broker who is willing to work for treats and won't stop until he fetches you the best rate. Everyone, meet ๐๐ž๐, AKA- Little BOBO, the newest member of our mortgage team!
Sure, he has zero experience with debt-to-service ratios, and he tends to fall asleep during Zoom calls, but his negotiation tactics are unmatched.

๐‚๐š๐ง ๐ฒ๐จ๐ฎ๐ซ ๐๐š๐ง๐ค ๐š๐ฌ๐ค ๐ฒ๐จ๐ฎ ๐ญ๐จ ๐ข๐ง๐œ๐ซ๐ž๐š๐ฌ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ? ๐˜๐ž๐ฌ ๐ญ๐ก๐ž๐ฒ ๐œ๐š๐ง!!They can If you have a Variable Rate Mortgage wit...
05/07/2026

๐‚๐š๐ง ๐ฒ๐จ๐ฎ๐ซ ๐๐š๐ง๐ค ๐š๐ฌ๐ค ๐ฒ๐จ๐ฎ ๐ญ๐จ ๐ข๐ง๐œ๐ซ๐ž๐š๐ฌ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ? ๐˜๐ž๐ฌ ๐ญ๐ก๐ž๐ฒ ๐œ๐š๐ง!!
They can If you have a Variable Rate Mortgage with Fixed Payments, often called a " ๐’๐ญ๐š๐ญ๐ข๐œ ๐•๐š๐ซ๐ข๐š๐›๐ฅ๐ž ๐‘๐š๐ญ๐ž ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž". This is what most big banks offer as a Variable Rate Mortgage. When interest rates rise your payment stay the same. Its good for your wallet in the short term, but it means more of your payment goes towards interest and less towards actually paying down what you owe on your home. If rates rise high enough you may reach your "๐“๐ซ๐ข๐ ๐ ๐ž๐ซ ๐‘๐š๐ญ๐ž". At this point all of your payment goes to pay only the interest and zero towards what you owe on the property. There is also a "๐“๐ซ๐ข๐ ๐ ๐ž๐ซ ๐๐จ๐ข๐ง๐ญ" which is often set at 105%-106% of what you initially borrowed. If this happens your bank will have several options for you:

๐ˆ๐ง๐œ๐ซ๐ž๐š๐ฌ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ฆ๐จ๐ง๐ญ๐ก๐ฅ๐ฒ ๐๐š๐ฒ๐ฆ๐ž๐ง๐ญ๐ฌ
๐Œ๐š๐ค๐ž ๐š ๐‹๐ฎ๐ฆ๐ฉ ๐’๐ฎ๐ฆ ๐๐š๐ฒ๐ฆ๐ž๐ง๐ญ
๐‚๐จ๐ง๐ฏ๐ž๐ซ๐ญ ๐ญ๐จ ๐š ๐Ÿ๐ข๐ฑ๐ž๐ ๐‘๐š๐ญ๐ž
๐‘๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž - You may have to pay a penalty if you chose this route

๐–๐ž ๐š๐ซ๐ž ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ก๐ž๐ฅ๐ฉ ๐ฌ๐จ ๐ฅ๐ž๐ญ ๐ฎ๐ฌ ๐š๐ง๐ฌ๐ฐ๐ž๐ซ ๐ฒ๐จ๐ฎ๐ซ ๐ช๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง๐ฌ. ๐‘๐ž๐š๐œ๐ก ๐จ๐ฎ๐ญ ๐ญ๐จ ๐ฎ๐ฌ ๐š๐ง๐ฒ๐ญ๐ข๐ฆ๐ž. ๐“๐ก๐š๐ง๐ค ๐ฒ๐จ๐ฎ.

๐€๐ฉ๐ซ๐ข๐ฅโ€™๐ฌ ๐ซ๐š๐ญ๐ž ๐ก๐จ๐ฅ๐ ๐ข๐ฌ ๐š๐ฅ๐ซ๐ž๐š๐๐ฒ ๐ข๐ง ๐ญ๐ก๐ž ๐ซ๐ž๐š๐ซ๐ฏ๐ข๐ž๐ฐ ๐ฆ๐ข๐ซ๐ซ๐จ๐ซ. While everyone is still talking about the April 29th Bank of Canada...
04/30/2026

๐€๐ฉ๐ซ๐ข๐ฅโ€™๐ฌ ๐ซ๐š๐ญ๐ž ๐ก๐จ๐ฅ๐ ๐ข๐ฌ ๐š๐ฅ๐ซ๐ž๐š๐๐ฒ ๐ข๐ง ๐ญ๐ก๐ž ๐ซ๐ž๐š๐ซ๐ฏ๐ข๐ž๐ฐ ๐ฆ๐ข๐ซ๐ซ๐จ๐ซ.
While everyone is still talking about the April 29th Bank of Canada announcement, the industry is already shifting its focus to June 10th.
๐“๐ก๐ž ๐ช๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง ๐จ๐ง ๐ž๐ฏ๐ž๐ซ๐ฒ๐จ๐ง๐ž'๐ฌ ๐ฆ๐ข๐ง๐: ๐–๐ข๐ฅ๐ฅ ๐‰๐ฎ๐ง๐ž ๐Ÿ๐ŸŽ ๐›๐ž ๐ญ๐ก๐ž โ€˜๐…๐ข๐ง๐š๐ฅ ๐‡๐จ๐ฅ๐โ€™?
Experts across the Big 6 banks are signaling that while a hold at 2.25% is the likely bet for June, the era of rate cuts has officially slammed shut for 2026. With sticky inflation and global energy shifts, "stability" is the new name of the game.
Will the rate Hold In June? If you are thinking of purchasing or renewing give us a call or email. We would love to help you in your journey through it all.

๐€๐ง๐จ๐ญ๐ก๐ž๐ซ ๐‡๐จ๐ฅ๐ ๐จ๐ง ๐ญ๐ก๐ž ๐‡๐จ๐ซ๐ข๐ณ๐จ๐ง? Hey Fraser Valley! The Bank of Canada is set to announce its next rate decision this Wednes...
04/27/2026

๐€๐ง๐จ๐ญ๐ก๐ž๐ซ ๐‡๐จ๐ฅ๐ ๐จ๐ง ๐ญ๐ก๐ž ๐‡๐จ๐ซ๐ข๐ณ๐จ๐ง?
Hey Fraser Valley! The Bank of Canada is set to announce its next rate decision this Wednesday, April 29, 2026.
Every major economist expects a ๐‡๐Ž๐‹๐ƒ ๐š๐ญ ๐Ÿ.๐Ÿ๐Ÿ“%.
๐’๐ญ๐ž๐š๐๐ฒ ๐š๐ฌ ๐ฌ๐ก๐ž ๐ ๐จ๐ž๐ฌ: This would be the fourth hold in a row, providing some much needed stability for local homeowners.
๐๐š๐ฅ๐š๐ง๐œ๐ข๐ง๐  ๐š๐œ๐ญ: While gas prices have ticked up lately, the overall economy is still finding its footing. The Bank is likely to keep things right where they are to support a healthy market.
๐๐ฎ๐ฒ๐ž๐ซ๐ฌ: With rates holding steady, itโ€™s a great time to talk about your budget and see whatโ€™s possible in
todays market.

๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐“๐ž๐ซ๐ฆ๐ฌ ๐ƒ๐ž๐œ๐จ๐๐ž๐: ๐–๐ก๐š๐ญ ๐๐‚ ๐‡๐จ๐ฆ๐ž๐จ๐ฐ๐ง๐ž๐ซ๐ฌ ๐๐ž๐ž๐ ๐ญ๐จ ๐Š๐ง๐จ๐ฐ ๐ข๐ง ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”Feeling lost in mortgage jargon? Whether you're buying in...
04/24/2026

๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐“๐ž๐ซ๐ฆ๐ฌ ๐ƒ๐ž๐œ๐จ๐๐ž๐: ๐–๐ก๐š๐ญ ๐๐‚ ๐‡๐จ๐ฆ๐ž๐จ๐ฐ๐ง๐ž๐ซ๐ฌ ๐๐ž๐ž๐ ๐ญ๐จ ๐Š๐ง๐จ๐ฐ ๐ข๐ง ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”
Feeling lost in mortgage jargon? Whether you're buying in Abbotsford or renewing in Chilliwack, these are the 5 concepts that actually impact your bank account.
๐Ÿ. ๐“๐ž๐ซ๐ฆ ๐ฏ๐ฌ. ๐€๐ฆ๐จ๐ซ๐ญ๐ข๐ณ๐š๐ญ๐ข๐จ๐ง
๐“๐ž๐ซ๐ฆ: Your contract length (usually 3โ€“5 years). This is how long your rate and rules are locked in.
๐€๐ฆ๐จ๐ซ๐ญ๐ข๐ณ๐š๐ญ๐ข๐จ๐ง: Is the total number of years, usually 25 or 30. It takes to pay off your mortgage in full. While your "term" is your current contract length (eg. 3 or 5 years), the amortization determines your monthly payment and how much total interest you pay over the decades. A 30 year plan gives you more monthly breathing room, whereas a 25 year plan gets you to the "finish line" faster and can save you thousands in interest.
๐Ÿ. ๐…๐ข๐ฑ๐ž๐ ๐ฏ๐ฌ. ๐•๐š๐ซ๐ข๐š๐›๐ฅ๐ž
๐…๐ข๐ฑ๐ž๐: Your rate is frozen. No matter what the Bank of Canada does, your payment stays exactly the same during your term.
๐•๐š๐ซ๐ข๐š๐›๐ฅ๐ž: Your rate fluctuations with the Prime Rate (currently 4.45%).
๐๐ซ๐จ ๐“๐ข๐ฉ: With a Static Variable (VRM), your monthly payment stays the same, but if rates rise, more of your money goes toward interest and less toward your principal.
๐Ÿ‘. ๐€๐๐ฃ๐ฎ๐ฌ๐ญ๐š๐›๐ฅ๐ž ๐‘๐š๐ญ๐ž ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž (๐€๐‘๐Œ)
This is a variable mortgage where your payment changes automatically whenever the Prime Rate moves.
๐‡๐จ๐ฐ ๐ข๐ญ ๐ฐ๐จ๐ซ๐ค๐ฌ: The amount you pay toward your principal stays exactly the same, but the bank adds the fluctuating interest cost on top.
๐Ÿ’. ๐“๐ก๐ž "๐’๐ญ๐ซ๐ž๐ฌ๐ฌ ๐“๐ž๐ฌ๐ญ"
The bank doesn't just check if you can afford today's rates; they test if you could still pay if rates went up by 2%. Itโ€™s a safety net designed to protect you from future market shifts.
๐Ÿ“. ๐„๐ช๐ฎ๐ข๐ญ๐ฒ
This is the portion of the home you actually own. If your home is worth $900k and you owe $500k, you have $400k in equity. This is your greatest tool for future wealth!
๐‚๐จ๐ง๐Ÿ๐ฎ๐ฌ๐ž๐ ๐š๐›๐จ๐ฎ๐ญ ๐š ๐ฌ๐ฉ๐ž๐œ๐ข๐Ÿ๐ข๐œ ๐ญ๐ž๐ซ๐ฆ ๐ข๐ง ๐ฒ๐จ๐ฎ๐ซ ๐ซ๐ž๐ง๐ž๐ฐ๐š๐ฅ ๐ฅ๐ž๐ญ๐ญ๐ž๐ซ? Where are here to help. Advice is always free. Please share this post. Thank you.

Address

45715 Hocking Avenue #520, Chilliwack
Chilliwack, BC
V2P6Z6

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+16047996627

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