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)

08/28/2026

As we head into the final days of August, you can feel summer starting to wind down — cooler evenings, a touch of yellow in the leaves, and fall just around the corner. 🍂

It’s that time of year when we start thinking about all the things we want to get done before the seasons change — and your mortgage plans might be one of them.

If buying a home is on your fall to-do list, now is a great time to get prepared. A pre-approval can help you understand:

🏡 What purchase price you may qualify for
💰 How much you’ll need for your down payment and closing costs
📋 What documents you’ll need
🔑 What your monthly mortgage payment could look like

And if you already own a home, fall can also be a good time to review an upcoming renewal, refinance options, or plans for your next purchase.

A little preparation now can make things much easier when the right opportunity comes along.

If a home purchase or mortgage review is on your fall to-do list, let’s connect and check that one off your list. ✔️🍂

07/29/2026

To me, being involved in a mortgage transaction as a mortgage professional is about so much more than numbers and approvals. It's about becoming part of my clients journey, building meaningful connections, and supporting them through each step as they work toward achieving their goals. This is one of the most rewarding parts of my work.

Congratulations to these amazing clients on everything they've accomplished! 🏡❤️

07/15/2026

Bank of Canada Rate Update

The Bank of Canada held its overnight rate at 2.25% today, marking its 6th consecutive rate hold.

What does that mean?

• Prime rate stays the same
• Variable-rate mortgages stay the same
• HELOCs and secured lines of credit stay the same
• No direct impact on fixed mortgage rates, as they're mainly influenced by bond yields

The next Bank of Canada rate announcement is September 2, 2026.

If you're wondering what this means for your mortgage or are thinking about buying, renewing, or refinancing, feel free to reach out. I'm always happy to chat.

06/26/2026

Should You Refinance Your Mortgage? 🏡

Refinancing may help some homeowners consolidate debt, improve cash flow, access home equity, or achieve their financial goals. Every situation is different, so it's important to understand whether it's the right solution for you.
Here are a few reasons homeowners choose to refinance:

1. Consolidate debt into one lower monthly payment

If you're carrying credit card balances, a car loan, or a line of credit, refinancing may allow you to roll those debts into your mortgage.
Because mortgage interest rates are typically much lower than the interest rates on credit cards and many other loans, refinancing may help you:

• Reduce the amount of interest you're paying.
• Potentially lower your monthly payments.
• Simplify your finances with one payment instead of several.
• Improve your monthly cash flow.

Every situation is different, so it's worth reviewing the numbers with a mortgage professional to see if refinancing makes financial sense.

2. Improve your credit score

Even if you've never missed a payment, carrying high balances on credit cards can negatively impact your credit score.

A good rule of thumb is to keep your credit utilization at around 30% or less of your available limit. For example, if your credit card has a $20,000 limit, ideally you would keep the balance below $6,000.

I've seen clients significantly improve their credit score within a year by consolidating high-interest debt into their mortgage and paying off those higher balances.

3. Access equity for home improvements

Your home may have built equity over the years. Refinancing can allow you to access some of that equity to fund renovations or improvements.

Whether it's updating a kitchen, adding a suite, replacing a roof, or making energy-efficient upgrades, investing back into your home can help maintain or even increase your home's value.

If you've been wondering whether refinancing could benefit your situation, I'd be happy to review your options and run the numbers with you.

06/17/2026

Showing up for my clients and supporting them through their home financing journey is one of the most rewarding parts of being a Mortgage Consultant. Seeing my clients achieve their goals and make informed decisions with confidence is why I love what I do.

Thank you, D, for your trust and kind google review. It was a pleasure working with you and being part of your journey. 🏡✨

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!

Address

Courtenay, BC

Website

http://brittneyhoward.tmgbroker.com/

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