Kayla Hutchinson - Mortgage Broker

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Canada
Chilliwack, BC
Kayla Hutchinson - Mortgage Broker

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Mortgage financing doesn't have to be difficult, let me walk you through the process.

11/04/2026

Tuesday Tips 👤

Monitor interest rates and consider refinancing if it makes financial sense. Over the course of a 25- or 30-year mortgage, interest rates may fluctuate. If you have a longer-term and rates drop significantly, it may be worth refinancing your mortgage to lock in a lower rate.
However, be aware of potential penalties for breaking your mortgage early, and ensure that the cost savings outweigh the penalties.

11/02/2026

Recently Approved! 🎉

🏡 Another successful refinance!

I had the pleasure of helping these clients secure their very first mortgage when they purchased their home two years ago.

With their mortgage coming up for renewal, we took the opportunity to revisit their financial goals and put a new strategy in place.

By restructuring their mortgage, we were able to secure a competitive interest rate while accessing additional equity to consolidate outside debt, all while keeping their overall monthly payments manageable.

A mortgage renewal is more than just securing a new rate. It’s an opportunity to reassess your financial picture and ensure your mortgage continues to work for you.

Thank you to my wonderful clients for continuing to trust me with your mortgage needs. I’m grateful to be part of your journey! 🏡🤍

10/31/2026

Recently Funded! 🏡

Over a year ago, this client first came to me for her mortgage renewal. While reviewing her options, we also took the opportunity to put a long-term strategy in place to help her achieve her goal of selling her home and relocating out of the city.

Fast forward to today, and that plan has officially become a reality! 🏡

This is a great reminder that mortgage planning goes beyond securing a competitive rate. It’s about having the right strategy in place to help you achieve your future goals.

Congratulations on your new home and this exciting new chapter! Thank you for continuing to trust me with your mortgage needs. 🤍

10/31/2026

Recently Approved! 🎉

So excited for this client as they step into a new chapter! 🏡✨

Navigating a spousal buyout alongside the purchase of a new home required careful planning, strategic timing, and collaboration from everyone involved.

With the right strategy in place, we were able to coordinate all the moving pieces and ensure our client could confidently remove subjects and move forward with their purchase.

Congratulations on your beautiful new home and fresh start! So grateful to have been part of this journey. 🙏🏻

10/30/2026

Did You Know? 💭

There are great incentives for first-time home buyers to take
their first step into the housing market.

Wanna know more? Reach out
📲 604-612-0367

10/29/2026

Mortgage Vocabulary: Portable Mortgage 🔍

A mortgage that can be transferred from one property to another without penalty if you move.
This allows you to keep the same mortgage terms and interest rates.

10/28/2026

🚨 Bank of Canada Raises Interest Rates by 0.25%

The Bank of Canada today increased its target for the overnight rate by 25 basis points to 2.5%.

Despite higher energy costs, the global economy continues to show strength. However, rising oil prices and ongoing inflation pressures have contributed to the Bank of Canada’s decision to increase rates.

What does this mean for you?

This increase will impact borrowers with variable and adjustable rate mortgages and lines of credit, while those with fixed rate mortgages will see no change to their payments.

For clients who are in adjustable rate mortgages and have secured or unsecured line of credits for every $100,000 in mortgage balance, a 0.25% rate increase could mean approximately $15 more per month on your mortgage payment.

Here’s what this will look like:

🏡 $100,000 mortgage = $15more/month
🏡 $200,000 mortgage = $30 more/month
🏡 $300,000 mortgage = $45 more/month
🏡 $400,000 mortgage = $60 more/month
🏡 $500,000 mortgage = $75 more/month

Have questions about how this affects your mortgage? I’m always happy to help!

10/27/2026

Recently Approved! 🎉

These clients came to me with a goal of purchasing their first home and relocating outside of the Lower Mainland.

With the right strategy and a plan in place, we were able to navigate purchasing a property outside of their work location and help them secure this beautiful home!

Congratulations on this exciting new chapter! Thank you for trusting me to guide you through such an important milestone. Wishing you many happy years and wonderful memories in your first home!

10/27/2026

Buyer Tip: Check your credit 🌟

Regularly monitor your credit report and score. A good score can lead to a better mortgage rates.

Wanna discuss your options? Reach out
📲 604-612-0367

10/27/2026

Recently Funded! 🏡

There’s something extra special about helping first-time homebuyers get into the market!

These clients took the exciting step toward homeownership, and I’m so grateful to have been part of their journey from getting pre-approved to officially becoming homeowners!

Congratulations on your first home! 🏡 Wishing you many years of wonderful memories as you settle into this exciting new chapter.

Address

15/45966 Yale Road
Chilliwack, BC
V2P2M3

Telephone

+16046120367

Website

http://www.mortgagesbykayla.ca/

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