Lisa Klee Mortgages - formerly Allegro Mortgages

Home
Canada
Chilliwack, BC
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 fin

ancing decisions. We are Local Chilliwack Mortgage broker. Offering free consultations for residential and commercial mortgages serving Chilliwack and the Fraser Valley.

05/19/2026

𝐋𝐎𝐂𝐊 𝐈𝐍 𝐘𝐎𝐔𝐑 𝐑𝐀𝐓𝐄
In Canada, fixed interest rates—𝐞𝐬𝐩𝐞𝐜𝐢𝐚𝐥𝐥𝐲 𝐟𝐢𝐱𝐞𝐝-𝐫𝐚𝐭𝐞 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬—𝐚𝐫𝐞 𝐩𝐫𝐢𝐜𝐞𝐝 𝐝𝐢𝐫𝐞𝐜𝐭𝐥𝐲 𝐨𝐟𝐟 𝐠𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐛𝐨𝐧𝐝 𝐲𝐢𝐞𝐥𝐝𝐬, not the Bank of Canada’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.

05/13/2026

𝐍𝐞𝐰 𝐇𝐢𝐫𝐞 𝐀𝐥𝐞𝐫𝐭: 𝐌𝐞𝐞𝐭 𝐍𝐞𝐝!
We’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 𝐍𝐞𝐝, 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.

05/07/2026

𝐂𝐚𝐧 𝐲𝐨𝐮𝐫 𝐁𝐚𝐧𝐤 𝐚𝐬𝐤 𝐲𝐨𝐮 𝐭𝐨 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐞 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐩𝐚𝐲𝐦𝐞𝐧𝐭? 𝐘𝐞𝐬 𝐭𝐡𝐞𝐲 𝐜𝐚𝐧!!
They can If you have a Variable Rate Mortgage with Fixed Payments, often called a " 𝐒𝐭𝐚𝐭𝐢𝐜 𝐕𝐚𝐫𝐢𝐚𝐛𝐥𝐞 𝐑𝐚𝐭𝐞 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞". 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 "𝐓𝐫𝐢𝐠𝐠𝐞𝐫 𝐑𝐚𝐭𝐞". 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 "𝐓𝐫𝐢𝐠𝐠𝐞𝐫 𝐏𝐨𝐢𝐧𝐭" which is often set at 105%-106% of what you initially borrowed. If this happens your bank will have several options for you:

𝐈𝐧𝐜𝐫𝐞𝐚𝐬𝐞 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬
𝐌𝐚𝐤𝐞 𝐚 𝐋𝐮𝐦𝐩 𝐒𝐮𝐦 𝐏𝐚𝐲𝐦𝐞𝐧𝐭
𝐂𝐨𝐧𝐯𝐞𝐫𝐭 𝐭𝐨 𝐚 𝐟𝐢𝐱𝐞𝐝 𝐑𝐚𝐭𝐞
𝐑𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞 - You may have to pay a penalty if you chose this route

𝐖𝐞 𝐚𝐫𝐞 𝐡𝐞𝐫𝐞 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐬𝐨 𝐥𝐞𝐭 𝐮𝐬 𝐚𝐧𝐬𝐰𝐞𝐫 𝐲𝐨𝐮𝐫 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬. 𝐑𝐞𝐚𝐜𝐡 𝐨𝐮𝐭 𝐭𝐨 𝐮𝐬 𝐚𝐧𝐲𝐭𝐢𝐦𝐞. 𝐓𝐡𝐚𝐧𝐤 𝐲𝐨𝐮.

04/30/2026

𝐀𝐩𝐫𝐢𝐥’𝐬 𝐫𝐚𝐭𝐞 𝐡𝐨𝐥𝐝 𝐢𝐬 𝐚𝐥𝐫𝐞𝐚𝐝𝐲 𝐢𝐧 𝐭𝐡𝐞 𝐫𝐞𝐚𝐫𝐯𝐢𝐞𝐰 𝐦𝐢𝐫𝐫𝐨𝐫.
While everyone is still talking about the April 29th Bank of Canada announcement, the industry is already shifting its focus to June 10th.
𝐓𝐡𝐞 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧 𝐨𝐧 𝐞𝐯𝐞𝐫𝐲𝐨𝐧𝐞'𝐬 𝐦𝐢𝐧𝐝: 𝐖𝐢𝐥𝐥 𝐉𝐮𝐧𝐞 𝟏𝟎 𝐛𝐞 𝐭𝐡𝐞 ‘𝐅𝐢𝐧𝐚𝐥 𝐇𝐨𝐥𝐝’?
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.

04/27/2026

𝐀𝐧𝐨𝐭𝐡𝐞𝐫 𝐇𝐨𝐥𝐝 𝐨𝐧 𝐭𝐡𝐞 𝐇𝐨𝐫𝐢𝐳𝐨𝐧?
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 𝐇𝐎𝐋𝐃 𝐚𝐭 𝟐.𝟐𝟓%.
𝐒𝐭𝐞𝐚𝐝𝐲 𝐚𝐬 𝐬𝐡𝐞 𝐠𝐨𝐞𝐬: This would be the fourth hold in a row, providing some much needed stability for local homeowners.
𝐁𝐚𝐥𝐚𝐧𝐜𝐢𝐧𝐠 𝐚𝐜𝐭: 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.
𝐁𝐮𝐲𝐞𝐫𝐬: With rates holding steady, it’s a great time to talk about your budget and see what’s possible in
todays market.

04/24/2026

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐓𝐞𝐫𝐦𝐬 𝐃𝐞𝐜𝐨𝐝𝐞𝐝: 𝐖𝐡𝐚𝐭 𝐁𝐂 𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬 𝐍𝐞𝐞𝐝 𝐭𝐨 𝐊𝐧𝐨𝐰 𝐢𝐧 𝟐𝟎𝟐𝟔
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.
𝟏. 𝐓𝐞𝐫𝐦 𝐯𝐬. 𝐀𝐦𝐨𝐫𝐭𝐢𝐳𝐚𝐭𝐢𝐨𝐧
𝐓𝐞𝐫𝐦: Your contract length (usually 3–5 years). This is how long your rate and rules are locked in.
𝐀𝐦𝐨𝐫𝐭𝐢𝐳𝐚𝐭𝐢𝐨𝐧: 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.
𝟐. 𝐅𝐢𝐱𝐞𝐝 𝐯𝐬. 𝐕𝐚𝐫𝐢𝐚𝐛𝐥𝐞
𝐅𝐢𝐱𝐞𝐝: Your rate is frozen. No matter what the Bank of Canada does, your payment stays exactly the same during your term.
𝐕𝐚𝐫𝐢𝐚𝐛𝐥𝐞: Your rate fluctuations with the Prime Rate (currently 4.45%).
𝐏𝐫𝐨 𝐓𝐢𝐩: 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.
𝟑. 𝐀𝐝𝐣𝐮𝐬𝐭𝐚𝐛𝐥𝐞 𝐑𝐚𝐭𝐞 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 (𝐀𝐑𝐌)
This is a variable mortgage where your payment changes automatically whenever the Prime Rate moves.
𝐇𝐨𝐰 𝐢𝐭 𝐰𝐨𝐫𝐤𝐬: The amount you pay toward your principal stays exactly the same, but the bank adds the fluctuating interest cost on top.
𝟒. 𝐓𝐡𝐞 "𝐒𝐭𝐫𝐞𝐬𝐬 𝐓𝐞𝐬𝐭"
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%. It’s a safety net designed to protect you from future market shifts.
𝟓. 𝐄𝐪𝐮𝐢𝐭𝐲
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!
𝐂𝐨𝐧𝐟𝐮𝐬𝐞𝐝 𝐚𝐛𝐨𝐮𝐭 𝐚 𝐬𝐩𝐞𝐜𝐢𝐟𝐢𝐜 𝐭𝐞𝐫𝐦 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐫𝐞𝐧𝐞𝐰𝐚𝐥 𝐥𝐞𝐭𝐭𝐞𝐫? Where are here to help. Advice is always free. Please share this post. Thank you.

04/20/2026

𝐖𝐡𝐲 𝐭𝐡𝐞 "𝐋𝐨𝐰𝐞𝐬𝐭 𝐑𝐚𝐭𝐞" 𝐌𝐢𝐠𝐡𝐭 𝐀𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐂𝐨𝐬𝐭 𝐘𝐨𝐮 𝐌𝐨𝐫𝐞
When shopping for a mortgage in the Fraser Valley, it’s tempting to head straight for the lowest number you see on a billboard or online. But here’s the truth: 𝐓𝐡𝐞 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞 𝐢𝐬 𝐨𝐧𝐥𝐲 𝐨𝐧𝐞 𝐩𝐢𝐞𝐜𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐩𝐮𝐳𝐳𝐥𝐞.
Focusing solely on the rate can lead you into a restrictive mortgage that ends up costing you thousands in the long run. Here is why the fine print matters more than the numbers:
• 𝐏𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐏𝐞𝐧𝐚𝐥𝐭𝐢𝐞𝐬: Some low rate "no frills" mortgages have massive penalties if you need to break your mortgage early (life happens!).
• 𝐏𝐨𝐫𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲: Can you take your mortgage with you if you move from Abbotsford to Chilliwack? With some low rate lenders, that answer is no.
• 𝐓𝐡𝐞 "𝐁𝐨𝐧𝐚𝐟𝐢𝐝𝐞 𝐒𝐚𝐥𝐞" 𝐂𝐥𝐚𝐮𝐬𝐞: Some contracts prevent you from refinancing or switching lenders unless you actually sell your home.
• 𝐇𝐢𝐝𝐝𝐞𝐧 𝐅𝐞𝐞𝐬: What looks like a deal on day one might have higher annual fees or restrictive terms for adding a line of credit later.
𝐈𝐟 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐛𝐮𝐲𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞 𝐨𝐫 𝐞𝐱𝐩𝐚𝐧𝐝𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨, 𝐖𝐞 𝐚𝐫𝐞 𝐡𝐞𝐫𝐞 𝐭𝐨 𝐡𝐞𝐥𝐩.
𝐂𝐚𝐥𝐥, 𝐭𝐞𝐱𝐭, 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐦𝐞. 𝟔𝟎𝟒-𝟕𝟗𝟗-𝟔𝟔𝟐𝟕 𝐥𝐢𝐬𝐚𝐤𝐥𝐞𝐞@𝐚𝐥𝐥𝐞𝐠𝐫𝐨𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬.𝐜𝐚

04/15/2026

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐩𝐢𝐜𝐤𝐢𝐧𝐠 𝐮𝐩 𝐚 𝐫𝐞𝐧𝐭𝐚𝐥 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐢𝐧 𝐭𝐡𝐞 𝐕𝐚𝐥𝐥𝐞𝐲? 🏠
With prices stabilizing and more inventory on the market, it’s a great time to look. But here’s the big question I’m getting lately: 𝐃𝐨 𝐲𝐨𝐮 𝐛𝐮𝐲 𝐢𝐭 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐥𝐲 𝐨𝐫 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐚 𝐜𝐨𝐫𝐩𝐨𝐫𝐚𝐭𝐢𝐨𝐧?
There isn’t a one-size-fits-all answer—it depends on your long-term goals, and even how you plan to manage the property.
If you’re weighing your options and want to run some numbers, let’s chat! I’d love to help you figure out the best move for your portfolio. ☕📲

04/13/2026

"𝐇𝐨𝐰 𝐭𝐨 𝐒𝐚𝐯𝐞 $ 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐟𝐢𝐫𝐬𝐭 𝐁𝐂 𝐇𝐨𝐦𝐞"
Stop renting and start owning! Buying your first home in BC can feel overwhelming, but 2026 has some massive tax breaks if you know where to look.
𝐁𝐞𝐚𝐭 𝐭𝐡𝐞 𝐁𝐂 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐓𝐫𝐚𝐧𝐬𝐟𝐞𝐫 𝐓𝐚𝐱
* 𝐅𝐮𝐥𝐥 𝐄𝐱𝐞𝐦𝐩𝐭𝐢𝐨𝐧: Pay $𝟎 in tax on homes under $𝟓𝟎𝟎𝐤.
*𝐏𝐚𝐫𝐭𝐢𝐚𝐥 𝐄𝐱𝐞𝐦𝐩𝐭𝐢𝐨𝐧: Anything $𝟓𝟎𝟎𝐤- $𝟖𝟔𝟎𝐤
*𝐍𝐞𝐰 𝐁𝐮𝐢𝐥𝐝 𝐁𝐨𝐧𝐮𝐬: No PTT on newly built homes up to $𝟏.𝟏𝐌.
📲 𝐏𝐥𝐞𝐚𝐬𝐞 𝐒𝐡𝐚𝐫𝐞 𝐭𝐡𝐢𝐬 𝐰𝐢𝐭𝐡 𝐚 𝐟𝐫𝐢𝐞𝐧𝐝 who's ready to make the jump this year! Have questions about your pre-approval? Send me a DM! or Text or Call Lisa @ 604-799-6627

04/07/2026

𝐂𝐡𝐢𝐥𝐥𝐢𝐰𝐚𝐜𝐤 𝐢𝐬 𝐠𝐫𝐨𝐰𝐢𝐧𝐠—𝐢𝐬 𝐲𝐨𝐮𝐫 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 𝐠𝐫𝐨𝐰𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐢𝐭? 📈🏔️
With the 2026 market stabilizing and rental demand in the Fraser Valley remaining high, right now is a strategic window to consider a condo as an investment property.
Whether you are looking to build long-term equity or secure a steady rental income, Chilliwack offers a unique "sweet spot" of affordability compared to Metro Vancouver, paired with a consistent "flight to quality" from tenants.
𝐖𝐡𝐲 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐚 𝐜𝐨𝐧𝐝𝐨 𝐧𝐨𝐰? ✅ 𝐋𝐨𝐰𝐞𝐫 𝐄𝐧𝐭𝐫𝐲 𝐏𝐨𝐢𝐧𝐭: Perfect for those looking to start or diversify their portfolio. ✅ 𝐇𝐢𝐠𝐡 𝐑𝐞𝐧𝐭𝐚𝐥 𝐃𝐞𝐦𝐚𝐧𝐝: As our community expands, so does the need for quality housing. ✅ 𝐅𝐥𝐞𝐱𝐢𝐛𝐥𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠:
From traditional residential loans to commercial portfolio structures, I can help you find "A Better Way" to fund your next move.
Ready to see the numbers? Let’s chat about how we can make your investment goals a reality this year.
📍 𝐋𝐢𝐬𝐚 𝐊𝐥𝐞𝐞 | Residential & Commercial Mortgage Broker 🏢 𝐀𝐁𝐖 - 𝐀 𝐁𝐞𝐭𝐭𝐞𝐫 𝐖𝐚𝐲 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐆𝐫𝐨𝐮𝐩

Address

45715 Hocking Avenue #520, Chilliwack
Chilliwack, BC
V2P6Z6

Telephone

+16047996627

Website

http://allegromortgages.ca/

Alerts

Be the first to know and let us send you an email when Lisa Klee Mortgages - formerly Allegro Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Lisa Klee Mortgages - formerly Allegro Mortgages:

Shortcuts

Want your business to be the top-listed Finance Company in Chilliwack?