Nichol Kripki - Mortgage Associate, The Mortgage Centre

09/07/2026

I hope your long weekend felt like this!

09/01/2026

Mortgage brokers offer the best coverage. It's transferable and portable to move homes and lenders without cancellation. No bank offers this! Group insurance underwritten up front.

08/20/2026

NEW! Farm Financing Is Here 🌾

Common-sense lending for farmers.

Farms need capital for many reasons—from short-term operating needs to expansion, land purchases and unexpected cash-flow challenges.

I’m excited to now offer farm financing solutions designed around common-sense lending principles and improving long-term financial health.

Financing may help with:

🌾 Short-term operating capital shortfalls
🚜 Farm expansion and increased production
🤝 Partner, shareholder or spousal buyouts
🐄 Additional acreage for cow/calf operations
🌱 Purchasing a neighbouring parcel
🏡 Bridge financing for property acquisitions
💰 Crop-loss carryover or delayed claim payouts

Whether you are looking to grow, acquire, restructure or bridge a temporary financing gap, let’s explore the options available.

Nichol Kripki | Mortgage Associate
📞 306-579-8709

07/24/2026

Do you know about this program & the first time home buyers grant?

Applications for the 2026 Gear Up for School Program are still open! Don’t miss your opportunity to receive a backpack full of school supplies for the 2026-2027 school year.
Visit https://mns.ca/services-and-programs/applications/gearupforschool for all the details!

07/01/2026

🇨🇦 Happy Canada Day 🇨🇦

06/11/2026

Adjustable mortgage rates have historically been lower than fixed = more interest savings. They can be locked into a fixed for a remaining term if the Bank of Canada starts increasing its overnight interest rate again. Knowing this would you take an adjustable interest rate?

What the updated chart suggests
2023 remains the peak pain point for adjustable-rate borrowers, with rates exceeding 6% while many fixed-rate borrowers were still protected by earlier low-rate terms.
2024–2025 shows the crossover period where falling prime rates erased much of the fixed-rate advantage.
2026 YTD shows adjustable mortgages regaining a pricing advantage of roughly 0.3–0.5 percentage points versus discounted 5-year fixed rates. Current market quotes from brokers and lenders generally support this spread.

One caveat: before about 2010, comprehensive "best discounted rate" archives are sparse. A truly rigorous chart would require historical broker databases (e.g., archived rate sheets from Ratehub, MortgageLogic, or lender rate archives). The 2020–2026 section is much more reliable because there is abundant published broker-rate data available.

06/10/2026

June 10, 2026 no change.

06/05/2026

Mike, thank you so much for your review. It was a pleasure helping you navigate the mortgage application process. I appreciate the trust you placed in me and I'm trilled I could be part of your homeownership journey. Wishing you all the best in your new home!

06/03/2026

Thank you for your kind words and review. Although I wasn't able to help you at this time, it was a pleasure getting to know you and explore your options. I truly appreciate your trust and wish you all the best moving forward.

06/02/2026

Anyone else looking for healthy quick and easy meals? Always a struggle to keep it fresh. Where's your go to for new meal ideas?

Kung pao chicken is the best 30-minute Chinese stir-fry dinner at home. Juicy chicken bits are tossed in a glossy tangy-sweet-savory sauce, then served over warm rice to soak up all that delicious flavor! ➜ (Recipe in comments)