Katelyn Aubut Mortgages

Katelyn Aubut Mortgages A mortgage is one of the largest investments you’ll make in your life. I’m here to help you feel confident and informed every step of the way.

If you're house hunting in British Columbia's Lower Mainland or Calgary, this week's numbers are worth a look. Sales in...
09/03/2026

If you're house hunting in British Columbia's Lower Mainland or Calgary, this week's numbers are worth a look.

Sales in the Lower Mainland were down 6.7% in July and remain nearly 19% below the ten-year average. Calgary sales dropped 9%, largely because there are more condos listed than there are buyers right now. When fewer people are competing for the same homes, sellers tend to be more open to negotiating on price, conditions, and timelines.

That kind of breathing room is real buying power, especially if you've felt priced out or rushed in the past. It gives you more time to think things through and more say in how an offer comes together.

Are you house hunting in one of these markets right now?

𝑲𝒂𝒕𝒆𝒍𝒚𝒏 𝑨𝒖𝒃𝒖𝒕 - 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑩𝒓𝒐𝒌𝒆𝒓
𝑷𝒐𝒘𝒆𝒓𝒆𝒅 𝒃𝒚 𝑻𝒉𝒆 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑯𝒐𝒖𝒔𝒆
📍 Alberta 🇨🇦
📧 [email protected]

09/03/2026

Okay, but this is your reminder not to let the interest rate make the decision for you before you’ve even looked at the numbers. 👀🏡

I talk to people all the time who assume they can’t afford to buy right now — but when we actually break down what a purchase could look like, they’re often surprised by the monthly payment.

Because yes, the interest rate matters. But it’s only one piece of the puzzle.

Purchase price, down payment, property taxes, mortgage insurance (if applicable), amortization and the rate all work together to determine what your monthly payment actually looks like.

And at the end of the day, that’s the number that has to fit comfortably into your budget.

You don’t have to wait for the “perfect” interest rate to start exploring your options. Sometimes it’s worth running the numbers before deciding homeownership isn’t in the budget.

𝑲𝒂𝒕𝒆𝒍𝒚𝒏 𝑨𝒖𝒃𝒖𝒕 - 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑩𝒓𝒐𝒌𝒆𝒓
𝑷𝒐𝒘𝒆𝒓𝒆𝒅 𝒃𝒚 𝑻𝒉𝒆 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑯𝒐𝒖𝒔𝒆
📍 Alberta 🇨🇦
📧 [email protected]

The Bank of Canada held its key rate at 2.25% today, the seventh hold in a row. 📊 Inflation crept up a bit this year, bu...
09/02/2026

The Bank of Canada held its key rate at 2.25% today, the seventh hold in a row. 📊

Inflation crept up a bit this year, but that's mostly due to higher energy prices, not an overheating economy. The Bank's core numbers (the ones that strip out those swings) are sitting close to its 2% target, so it's choosing patience over quick changes.

What this means for you:
🏠 Variable-rate and HELOC payments stay the same
🔑 First-time buyers get to keep planning with stable numbers
📈 Anyone renewing soon has one less surprise to worry about

The next scheduled update is October 28, 2026.

Curious how this affects your specific mortgage? Send me a message, I’m happy to walk through it.

If a mortgage has been sitting somewhere on your mental to-do list, this is your reminder to finally ask the questions. ...
09/01/2026

If a mortgage has been sitting somewhere on your mental to-do list, this is your reminder to finally ask the questions.

Maybe you’re wondering if buying a home is actually realistic right now. Maybe your renewal is coming up and you’re not sure whether you should just sign the offer your lender sends. Maybe you’ve thought about refinancing, or you simply want to know what your options look like.

You don’t need to have everything figured out before talking to a mortgage broker — that’s kind of the point.

Sometimes a quick conversation is all it takes to get a clearer picture of where you stand and what your next steps could look like.

No pressure. No obligation. Just real answers and options that make sense for you.

If there’s something mortgage-related you’ve been wondering about, my inbox is always open.

𝑲𝒂𝒕𝒆𝒍𝒚𝒏 𝑨𝒖𝒃𝒖𝒕 - 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑩𝒓𝒐𝒌𝒆𝒓
𝑷𝒐𝒘𝒆𝒓𝒆𝒅 𝒃𝒚 𝑻𝒉𝒆 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑯𝒐𝒖𝒔𝒆
📍 Alberta 🇨🇦
📧 [email protected]

Here's a stat worth celebrating: mortgage affordability just improved for the tenth quarter in a row. National Bank dat...
08/31/2026

Here's a stat worth celebrating: mortgage affordability just improved for the tenth quarter in a row.

National Bank data shows the mortgage payment on a typical home has dropped to 51.1 percent of median income, the best level we've seen in a while. At the same time, July home sales eased slightly compared to last year, which sounds like mixed news but actually points to a market that's leveling out rather than overheating.

For buyers who've been waiting for a clearer sign, this combination, easing sales alongside genuinely improving affordability, is exactly the kind of steady progress worth paying attention to. It doesn't mean the same story everywhere, but the national trend is a real, fact-based reason for optimism.

Has affordability been the thing holding you back from making a move?

𝑲𝒂𝒕𝒆𝒍𝒚𝒏 𝑨𝒖𝒃𝒖𝒕 - 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑩𝒓𝒐𝒌𝒆𝒓
𝑷𝒐𝒘𝒆𝒓𝒆𝒅 𝒃𝒚 𝑻𝒉𝒆 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑯𝒐𝒖𝒔𝒆
📍 Alberta 🇨🇦
📧 [email protected]


Bond markets had a wild week, and mortgage rates came along for the ride. Here's the connection: fixed mortgage rates c...
08/30/2026

Bond markets had a wild week, and mortgage rates came along for the ride.

Here's the connection: fixed mortgage rates closely follow the yield on government bonds, which is essentially the return investors earn on government debt. When that yield climbs, lenders raise fixed rates to match. This week, renewed trade tensions pushed Canada's five-year bond yield higher, and fixed rates on three to five year terms followed with increases of 10 to 20 basis points (a basis point is just one one-hundredth of a percent).

If you're shopping for a home or holding a pre-approval, this is a great reminder of why a rate hold matters. It locks in today's rate while you search, so a bump like this one doesn't change your budget. And because so much of this move was tied to short-term trade headlines, it could shift again just as quickly.

Are you currently holding a rate, or thinking about locking one in?

𝑲𝒂𝒕𝒆𝒍𝒚𝒏 𝑨𝒖𝒃𝒖𝒕 - 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑩𝒓𝒐𝒌𝒆𝒓
𝑷𝒐𝒘𝒆𝒓𝒆𝒅 𝒃𝒚 𝑻𝒉𝒆 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑯𝒐𝒖𝒔𝒆
📍 Alberta 🇨🇦
📧 [email protected]


If you've been dreading your mortgage renewal, here's some good news. A recent survey found most homeowners have been m...
08/28/2026

If you've been dreading your mortgage renewal, here's some good news.

A recent survey found most homeowners have been managing their higher renewal payments better than expected, even coming out of the ultra-low-rate era. At the same time, CMHC, the federal housing agency that tracks this kind of data, reports more borrowers are choosing variable-rate and shorter-term mortgages as that renewal pressure starts to ease.

If you've been putting off your renewal conversation because you're bracing for the worst, this is worth hearing. You likely have more options than you think.

Have you been dreading your renewal more than you probably need to?

𝑲𝒂𝒕𝒆𝒍𝒚𝒏 𝑨𝒖𝒃𝒖𝒕 - 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑩𝒓𝒐𝒌𝒆𝒓
𝑷𝒐𝒘𝒆𝒓𝒆𝒅 𝒃𝒚 𝑻𝒉𝒆 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑯𝒐𝒖𝒔𝒆
📍 Alberta 🇨🇦
📧 [email protected]


Here’s a number worth celebrating: mortgage affordability just improved for the tenth quarter in a row. National Bank d...
08/27/2026

Here’s a number worth celebrating: mortgage affordability just improved for the tenth quarter in a row.

National Bank data shows the mortgage payment on a typical home has dropped to 51.1% of median income, the longest stretch of improvement on record, even though affordability is still below historical norms. July home sales dipped 5.3% from a year ago, though sales actually ticked up slightly month over month, a sign the market is steadying rather than falling apart.

This steady trend means more Canadians are edging closer to being able to afford a home, even if headlines about softer sales sound discouraging.

Does knowing affordability is trending the right way change how you think about buying?

𝑲𝒂𝒕𝒆𝒍𝒚𝒏 𝑨𝒖𝒃𝒖𝒕 - 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑩𝒓𝒐𝒌𝒆𝒓
𝑷𝒐𝒘𝒆𝒓𝒆𝒅 𝒃𝒚 𝑻𝒉𝒆 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑯𝒐𝒖𝒔𝒆
📍 Alberta 🇨🇦
📧 [email protected]

08/26/2026

Not saying these keep me up at night… but I’m also not not saying that 👀🏡😂

Fixed rates are sitting near a 52-week high right now, after a recent jump in bond yields pushed the 5-year Government o...
08/26/2026

Fixed rates are sitting near a 52-week high right now, after a recent jump in bond yields pushed the 5-year Government of Canada yield to its highest level in a year.

At the same time, CMHC reports more borrowers are choosing variable-rate and shorter-term mortgages as the pressure from renewing at much higher payments starts to ease. There’s a silver lining buried in here too: homeowners breaking a mortgage right now could see a smaller penalty, since higher current rates shrink the gap lenders use to calculate it.

Fixed versus variable is genuinely split right now, which means it’s worth a real conversation instead of defaulting to whatever was popular last quarter.

Which way would you lean right now, fixed or variable?

𝑲𝒂𝒕𝒆𝒍𝒚𝒏 𝑨𝒖𝒃𝒖𝒕 - 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑩𝒓𝒐𝒌𝒆𝒓
𝑷𝒐𝒘𝒆𝒓𝒆𝒅 𝒃𝒚 𝑻𝒉𝒆 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑯𝒐𝒖𝒔𝒆
📍 Alberta 🇨🇦
📧 [email protected]

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Innisfail, AB

Telephone

+14036518225

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