Brittney Howard Mortgage Consultant

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Canada
Courtenay, BC
Brittney Howard Mortgage Consultant

Your local Mortgage Consultant
based in the stunning Comox Valley. I proudly serve the Comox Valley and also extend my services across Vancouver Island and BC.

I am apart of a national top ranking company that serves Canada, The Mortgage Group (TMG)

06/08/2026

Summer is one of the busiest times in the Canadian housing market, and listings can move quickly. Understanding your budget before you begin shopping can help reduce stress and make the buying process smoother. ☀️🏡

Top 3 reasons why pre-approvals matter:

1. Understand What You Qualify For
A pre-approval provides a clear understanding of what you qualify for while helping you prepare for the costs associated with purchasing and owning a home, including your down payment, closing costs, property taxes, heating costs, and monthly payments. This allows you to shop with confidence and make informed decisions.

2. Strengthen Your Offer
Having a pre-approval in place can help make your offer more competitive in a busy market and allows you to act quickly when the right property comes along. With your financing options already reviewed, you’ll be better prepared to move forward when you find a home you love.

3. Secure a Rate Hold
Some lenders offer rate holds for up to 120 days, allowing you to secure a rate while you shop. This provides an estimate of the rate you may receive when you’re ready to purchase and can help protect you if rates increase, while still allowing you to benefit from a lower rate if one becomes available before completing the purchase.

Thinking about buying this summer? Getting pre-approved is a strategic first step that can help ensure you’re prepared when the perfect home comes along. 🔑✨

06/03/2026

Summer is one of the busiest times in the Canadian housing market. Whether you’re thinking about buying, renewing, refinancing, or investing, having a plan in place can help you move forward with confidence.

05/14/2026

Today marks completion day for these lovely clients who left me such a kind Google review. This home purchase held a lot of meaning for these clients, and I’m grateful I was able to be part of such a special milestone.

Every client home purchase and mortgage transaction tells a different story and can represent an important moment in someone’s life. That’s one of my favourite parts of my role. I truly enjoy connecting with my clients and making sure they feel supported and taken care of throughout the process.

Congratulations again to these wonderful clients on their new home!

04/29/2026

The Bank of Canada held its key interest rate at 2.25% today, as widely expected.

We heard from the Bank of Canada today that while inflation has eased over the past year, uncertainty remains around the global and Canadian economic outlook. Recent global developments, including geopolitical tensions and higher oil prices, are adding pressure to inflation, while signs of slower growth are emerging at home.

For existing mortgage holders, there’s no immediate change to borrowing costs. Variable-rate mortgages and lines of credit tied to prime remain unchanged.

Looking ahead, the outlook for interest rates remains uncertain. For now, the base case among many economists is that the Bank of Canada holds rates steady through the rest of the year, with any changes depending on how inflation and the broader economy evolve.

It’s also important to note that Bank of Canada rate updates do not directly impact fixed mortgage rates. Stay tuned for the next rate update.

04/25/2026

Self-employed? I specialize in working with business owners and self-employed clients. The bottom line is, your income will be assessed differently than someone who is employed. Your situation will impact the lenders and programs that are the best fit for you. It’s about making informed decisions and understanding your options when it comes to mortgage financing.

Have questions about self-employed mortgage financing? I’d love to connect!

04/22/2026

Hi, I’m Brittney Howard,

Your local Comox Valley mortgage professional. A few things about me ...

I was born in Prince Rupert, but I’ve called the Comox Valley home since 1992, when I was 2 years old… I’ll let you do the math 😉

If I’m not working on mortgages, I’m probably outside. Every season here brings something fun to do, whether it’s skiing in the winter, trail running and biking in the spring and fall, or being on the water and in the mountains in the summer.

I also love to travel and chase adventure when I can. Some favourite experiences have been hiking in New Zealand, rafting the Amazon in Ecuador, getting my open water diving certification in Indonesia, and travelling through Mexico.

My husband and I have two kids who keep us on our toes. I swear they live like they’re training for the Olympics daily… their grandparents were Olympians, so maybe it’s in their genetics!

And one puppy who keeps life interesting and is almost 1.

Fun fact… one of my previous jobs in my early 20s was working as a kayak guide, and my favourite place to paddle was the Broughton Archipelago off North Vancouver Island, especially when we’d spot whales!

Much of my previous professional experience has been rooted in client care and customer service, something that continues to shape how I support my clients today.

I know the process of purchasing a home or securing a mortgage can feel stressful and sometimes challenging. My goal is to help reduce those stressors, make the process feel more manageable, and ensure it’s a positive experience.

My passion for mortgages comes from helping my clients achieve their goals and supporting them every step of the way.

04/17/2026

First time home buyer and not sure where to start? You’re in the right place 🏡

I specialize in working with first time home buyers, and one thing I always recommend is connecting with a mortgage professional early.

Whether you’re thinking about buying this year or just starting to explore, connecting with a mortgage professional early helps you understand your timeline, where you stand, and what you need to do to move forward.

Getting pre-approved is one of the most important first steps. It gives you a clear understanding of your purchasing power, your monthly costs, helps you build a strong offer strategy, and can identify any potential issues early.

It can also allow you to hold a rate while you’re shopping. ✅

The goal is to make sure you feel informed, supported, and ready when the right opportunity comes up.

If you have questions or want to walk through what this could look like for you, I’m always happy to answer questions or connect when you’re ready ☕️

Feel free to message me anytime, or share this with someone who might have questions.

04/09/2026

April check in: fixed versus variable is back in the conversation

The decision between fixed and variable is ultimately about more than just rate, it’s about how much risk and flexibility you’re comfortable with.

What to consider before choosing

What makes the decision more complex today is how both options are behaving. Fixed rates are being driven by bond market volatility, while variable rates move with changes to the Bank of Canada policy rate and are less predictable than they were even a few months ago.

Fixed rate
-Locks in your payment and removes uncertainty
-Protects you if borrowing costs rise or stay elevated
-Typically comes with higher or more complex penalties if you need to sell or refinance mid-term
-Best suited if you value stability and predictable budgeting

Variable rate
-Typically offers a lower starting rate today
-More flexible, often with lower pre-payment penalties if you break early
-May benefit if rates ease further, but comes with uncertainty

If you’re considering purchasing this spring or in the future, now is a good time to explore both options and understand what each could mean for you, so you can make an informed decision when it comes time.

Reach out today if you’d like to walk through whether a fixed or variable rate makes more sense for your situation.

04/05/2026

What a beautiful long weekend. Wishing everyone celebrating a joyful Easter weekend filled with joy, rest, and new beginnings.

02/26/2026

Today is Completion day for these first time homebuyers, and they also left this Google review!

First home. Big milestone. 🙌

I’m truly grateful they felt supported throughout the process.

And today, they officially become homeowners!🎉

Address

Courtenay, BC

Website

http://brittneyhoward.tmgbroker.com/

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