June Ellen - Mortgage Broker - The West Mortgage Group

June Ellen - Mortgage Broker - The West Mortgage Group Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from June Ellen - Mortgage Broker - The West Mortgage Group, Mortgage brokers, 9823 Kinross Place, Coldstream, BC.

06/13/2026

Which two did you pick?? 👇





No news is still news: The Bank of Canada holds its rate.Here is the quick breakdown:Variable-rate holders will not see ...
06/10/2026

No news is still news: The Bank of Canada holds its rate.

Here is the quick breakdown:

Variable-rate holders will not see a change in their payments.

Fixed rates will continue to follow the bond market.

Buyers still have an advantage compared to last year!

Instead of focusing on today's pause, the market is looking forward to see when inflation will drop enough to trigger future rate cuts.

If you are buying a home, renewing your mortgage, or balancing debt, call me to talk about your options.





Waiting for rates to drop? So is everyone else.Holding out for a lower rate has a hidden risk - the bidding war.Higher ...
06/08/2026

Waiting for rates to drop? So is everyone else.

Holding out for a lower rate has a hidden risk - the bidding war.

Higher rates mean less competition. You have room to negotiate a lower purchase price. The second rates drop, buyers will flood the market, driving home prices way up.

You can refinance your rate. You can NEVER refinance your purchase price.

Buy Now: Secure a lower purchase price today. Refinance into a lower rate later. You have more control over your payments.

Wait: Get a lower rate initially, but pay an inflated purchase price due to competition. You are stuck paying interest on a huge loan balance.

The next Bank of Canada announcement is June 10th, keep in touch to understand how this news can impact your variable rate mortgage.





As a mortgage broker, I see people get overwhelmed by the thought of a down payment every single day. My advice? Stop st...
06/04/2026

As a mortgage broker, I see people get overwhelmed by the thought of a down payment every single day.

My advice? Stop staring at the giant number and start looking at the small, intentional changes you can make right now.

4 ways to romance your daily life and grow your wallet:

Windowsill Gardens: One pack of seeds costs less the fresh herbs and produce a whole garden bed for you and your loved ones.

Glow up your stuff: Take care of what you already own so you don't have to buy it twice. Weather proof your boots, clean your make up brushes, and shave the pills off an old sweater.

Handmade Gifts: Give a batch of homemade vanilla extract, a fresh loaf of sourdough, or a homemade cookie mix in a nice jar. People will remember the thought and effort more than any price tag.

Sunset Dates: Pack a blanket, fill a thermos with your favorite drink, and go talk under the stars. Traditions that cost nothing are the easiest to keep.

Save this post for your weekend planning, and let me know below: which one are you trying first?






This is why I love what I do.From start to finish, my goal is to keep the mortgage process clear, supported, and as stre...
05/28/2026

This is why I love what I do.

From start to finish, my goal is to keep the mortgage process clear, supported, and as stress free as possible. Hearing that it felt easy, especially for a first time client, means everything.





Worried about where rates are headed? One of the smartest moves you can make before renewal is securing a rate hold. It ...
05/22/2026

Worried about where rates are headed?

One of the smartest moves you can make before renewal is securing a rate hold.

It acts like an insurance policy: if rates go up, you’re protected; if they go down, you can still take the lower one! Best of all, a mortgage broker can review your current bank’s offer for free to help you know about all your options.

Call for professional advice to keep you informed, up to date and ready for your next investment.





The mortgage "stress test" sounds intimidating, but it’s actually there to give you peace of mind.A lot of people hear t...
05/15/2026

The mortgage "stress test" sounds intimidating, but it’s actually there to give you peace of mind.

A lot of people hear the word test and immediately feel anxious. What they don't know is it doesn’t change your actual interest rate or your monthly payment. It’s just a safety net to make sure you’re protected if the economy shifts.

It is the bank’s way of saying that even if interest rates jumped up by 2%, you could still afford your home. It ensures you aren't just buying for today’s market, but are protected for whatever happens down the road.





Happy Birthday to someone I admire so much and am lucky to call my friend 🩷🎂 Your kindness, strength, and the way you sh...
05/14/2026

Happy Birthday to someone I admire so much and am lucky to call my friend 🩷🎂
Your kindness, strength, and the way you show up for people never goes unnoticed.

I hope your day is filled with so much love, laughter, and everything that makes you happiest. Cheers to many more birthdays and all the memories we still get to make together






If you’re buying in today’s market, things move fast! Homes can sell in days, sometimes hours. At the same time, mortgag...
05/12/2026

If you’re buying in today’s market, things move fast!

Homes can sell in days, sometimes hours. At the same time, mortgage rates can change without much notice. If your documents aren’t submitted and your rate isn’t locked in, even a small delay can cost you your dream house, or change your financial future.

This is why preparation is such a big part of the process.

Stop waiting to feel ready, call me, we can get ready together!





Waiting to file your taxes could cost you more than what you actually owe to the CRA. Heres what you missed this week: T...
05/01/2026

Waiting to file your taxes could cost you more than what you actually owe to the CRA. Heres what you missed this week:

The Bank of Canada opted to keep the overnight lending rate at 2.25% despite inflation hitting 2.4%. This means the prime rate stays at 4.45%, offering temporary stability for homeowners on variable or adjustable mortgages. However, with the next rate meeting set for June 10, potential buyers need to decide if they want to act now or risk a potential jump in borrowing costs later this summer.

On the tax front, the penalties for missing the filing deadline are aggressive. You are looking at an immediate 5% penalty on your balance plus 1% for every month you are late, which doubles if you have a history of late filing. Even if you don't have the cash to pay your bill today, the smartest move is to file anyway to stop the late-filing penalty from growing. Beyond the debt, being late can also pause your GST and Child Benefit payments. DM me if you need help navigating these rate changes or want to talk about locking in a fixed rate.





Address

9823 Kinross Place
Coldstream, BC
V1B4B9

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+12503073382

Website

Alerts

Be the first to know and let us send you an email when June Ellen - Mortgage Broker - The West Mortgage Group 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 June Ellen - Mortgage Broker - The West Mortgage Group:

Shortcuts

Share

Category