Craig Spicer Mortgages

Craig Spicer Mortgages Mortgage Broker Lic #3001025
Premiere Mortgage Centre Brokerage Lic #3000075
A referral from you is the greatest compliment you can give me.

📋 Your bank sends a renewal offer. Most homeowners sign it and move on. But renewal is actually one of the best financia...
05/30/2026

📋 Your bank sends a renewal offer. Most homeowners sign it and move on. But renewal is actually one of the best financial opportunities you have as a homeowner — and most people don't take full advantage of it.

This carousel breaks down 5 things your bank isn't going to bring up at renewal time. Save it for when yours is coming up — or share it with someone who's getting close.

Whether you're 6 months out or 6 weeks out, I'm happy to walk through your options with you. No pressure. www.craigspicer.com

📋 If you bought your home in spring 2021, your mortgage renewal is coming up.2021 was a different market entirely. Rates...
05/28/2026

📋 If you bought your home in spring 2021, your mortgage renewal is coming up.

2021 was a different market entirely. Rates were at historic lows, competition was intense, and a lot of people locked in fast. That 5-year term is now expiring — and the renewal letter from your lender is not their best offer.

Before you sign and send it back, let's look at what's actually available. One conversation is worth it.

No pressure. Just good advice.

(902) 209-4518 | www.craigspicer.com

🌿 Happy Victoria Day! One of Halifax's favourite long weekends of the year.Whether you're heading to the cabin, firing u...
05/18/2026

🌿 Happy Victoria Day! One of Halifax's favourite long weekends of the year.

Whether you're heading to the cabin, firing up the backyard, or just taking a well-earned break, enjoy every minute of it.

See you on the other side.

— Craig

🏡 Spring is the busiest time in the Halifax-Dartmouth market and the buyers who win aren't always the ones who move fast...
05/17/2026

🏡 Spring is the busiest time in the Halifax-Dartmouth market and the buyers who win aren't always the ones who move fastest. They're the ones who moved first.

Having financing sorted before you start looking means you can actually act when the right property comes up. No scrambling for a pre-approval. No losing out while paperwork is pending.

May is when the good properties move quickly. The buyers who already know their numbers are the ones who get them.

Visit www.craigspicer.com to get started.

🌸 Happy Mother's Day to every mom who makes home feel like home.The ones who stayed up late, drove the early miles, and ...
05/10/2026

🌸 Happy Mother's Day to every mom who makes home feel like home.

The ones who stayed up late, drove the early miles, and always had the right thing to say at exactly the right moment. The ones who did it all without asking for recognition.

Today, you get some.

— Craig

🙏 This note from Sarah and Mark is the kind of thing that makes this work meaningful.First-time buyers often come in fee...
05/07/2026

🙏 This note from Sarah and Mark is the kind of thing that makes this work meaningful.

First-time buyers often come in feeling overwhelmed, and honestly, that makes sense. There's a lot of information coming at you, and not all of it is easy to sort through.

What I try to do is slow things down. Walk through each piece. Make sure you understand not just what you're signing, but what it means for you going forward.

If you're buying your first home — or thinking about it — I'd love to have that conversation. www.craigspicer.com

🌊 Spring in Dartmouth has its own rhythm.The lake trails fill up again. The conversations shift. Clients who were sittin...
05/04/2026

🌊 Spring in Dartmouth has its own rhythm.

The lake trails fill up again. The conversations shift. Clients who were sitting tight through the winter start reaching out, wondering if now might be the right time to make a move.

I've been doing this long enough to know that the "right time" is different for everyone. What doesn't change is that buying a home in this city — on either side of the bridge — is a big decision. It deserves real thought and honest advice, not a reaction to what you're hearing in the news.

If spring has you thinking about what's next, I'm always happy to talk. No pressure. No agenda. Just a conversation.

— Craig

(902) 209-4518

Every time the Bank of Canada makes an announcement, the same thing happens.People assume their mortgage rate just chang...
04/29/2026

Every time the Bank of Canada makes an announcement, the same thing happens.

People assume their mortgage rate just changed. It didn't — at least not for most of you.

What actually happened this morning: BoC held at 2.25%. Third time in a row this year. Your variable rate mortgage? Unchanged. Your HELOC? Unchanged.

What people miss is the fixed rate side. Fixed rates have nothing to do with this announcement. They follow bond yields — and those have been doing their own thing all year. Today's hold is not a signal that fixed rates are about to drop.

Where this morning actually matters:

If you are renewing in 2026, your lender is about to reach out. The number they give you is not their best number — it is their most profitable number for them. One conversation with a broker changes that math.

If you are on the fence about buying in Halifax this spring — watching rate announcements from the sidelines is usually the wrong move. A window of stability is not a guarantee.

That is the honest read on this morning's news.

(902) 209-4518 | craigspicer.com

Address

610 Wright Avenue Unit 2
Dartmouth, NS
B3B0H8

Telephone

+19022094518

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