Tara Sales Mortgage Broker

Tara Sales Mortgage Broker
Purchases โ€ข Refinances โ€ข Renewing โ€ข Renovations โ€ข Construction
๐Ÿ“๐พ๐‘Ž๐‘š๐‘™๐‘œ๐‘œ๐‘๐‘  ๏ผ† ๐‘ ๐‘ข๐‘Ÿ๐‘Ÿ๐‘œ๐‘ข๐‘›๐‘‘๐‘–๐‘›๐‘” ๐‘Ž๐‘Ÿ๐‘’๐‘Ž๐‘ 
๐Ÿ“†๐‘†๐‘โ„Ž๐‘’๐‘‘๐‘ข๐‘™๐‘’ ๐‘Ž ๐‘๐‘œ๐‘›๐‘ ๐‘ข๐‘™๐‘ก ๐‘ก๐‘œ๐‘‘๐‘Ž๐‘ฆ๏ผ๐ฟ๐‘–๐‘›๐‘˜ ๐‘๐‘’๐‘™๐‘œw

09/02/2026

๐Ÿฆ ๐๐€๐๐Š ๐Ž๐… ๐‚๐€๐๐€๐ƒ๐€ ๐‡๐Ž๐‹๐ƒ๐’ ๐€๐“ ๐Ÿ.๐Ÿ๐Ÿ“%

The Bank of Canada announced today that it is holding its overnight rate at 2.25% โ€” meaning no change for variable-rate borrowers right now.

So, what does this actually mean for your mortgage?

๐Ÿ  Variable-rate mortgage?
No immediate change as a result of todayโ€™s announcement.

๐Ÿ”‘ Shopping for a home?
Donโ€™t let a rate hold put your plans on hold. Your purchasing power depends on much more than just the Bank of Canada rate.

๐Ÿ“… Mortgage coming up for renewal?
This is a great time to start reviewing your options. You donโ€™t need to wait until your lender sends you a renewal offer.

๐Ÿ’ฐ Considering a refinance?
If your goal is to consolidate higher-interest debt or improve monthly cash flow, it may be worth running the numbers.

And remember: fixed mortgage rates donโ€™t move directly with the Bank of Canada rate. Theyโ€™re influenced more heavily by the bond market, so fixed rates can still move even when the Bank holds.

The next Bank of Canada rate announcement is scheduled for October 28, 2026.

Wondering what todayโ€™s decision means for your mortgage specifically?

๐Ÿ“ฉ Send me a DM. Iโ€™m happy to look at the numbers and help you build a plan.

Tara Sales | Mortgage Advisor

09/01/2026

๐Ÿก ๐–๐ก๐ž๐ง ๐ข๐ญ ๐œ๐จ๐ฆ๐ž๐ฌ ๐ญ๐จ ๐ฒ๐จ๐ฎ๐ซ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐š๐ฉ๐ฉ๐ฅ๐ข๐œ๐š๐ญ๐ข๐จ๐ง, ๐ฆ๐จ๐ซ๐ž ๐ข๐ง๐Ÿ๐จ๐ซ๐ฆ๐š๐ญ๐ข๐จ๐ง ๐ข๐ฌ ๐›๐ž๐ญ๐ญ๐ž๐ซ ๐ญ๐ก๐š๐ง ๐ฅ๐ž๐ฌ๐ฌ.

One of the biggest mistakes you can make is leaving something out because you donโ€™t think it matters โ€” or because youโ€™re worried it could affect your approval.

That debt youโ€™re planning to pay off.
That property you co-signed for.
That line of credit you rarely use.
That recent job change.
That borrowed portion of your down payment.

It can all matter.

And finding out about it before we submit gives me options. Finding out after the lender reviews your file can mean recalculating your qualification, changing the mortgage strategy, or dealing with delays when timelines are already tight.

Thereโ€™s no benefit to trying to make your application โ€œlook better.โ€

Give me the whole picture, and let me figure out the best way to structure it. Thatโ€™s what Iโ€™m here for.

๐Ÿ“ฉ Thinking about buying, refinancing or renewing? Letโ€™s go through the numbers before you make your next move.

08/31/2026

We canโ€™t wait for our next NSBIA Business Mixer! ๐ŸŽ‰
๐Ÿ“… September 22nd | 4โ€“6 PM
๐Ÿ“ Hacienda Cielito lindo Mexican Restaurant
THERE WILL BE LIMITED INVITES - SO RSVP AND YOU MUST BE ON THE LIST!
Come connect with our local business community and enjoy an evening filled with great conversations, new connections, amazing food, inspiring speakers & fabulous door prizes! ๐ŸŒฎโœจ
Our Mixers are open to all NSBIA Business Members! Not a member yet? Weโ€™d love to welcome you as our guest for up to TWO of our Business Mixers โ€” come see what weโ€™re all about!
โœจ Build relationships. Grow your network. Support local. โœจ
Come mix, mingle & make connections โ€” weโ€™d love to see you there! โค๏ธ RSVP [email protected]
I have an opening for a SPEAKER spot if you would be interested let me know! You would have up to 5 minutes to speak to the local businesses about what you do! They go fast so contact me ASAP!

08/31/2026

๐Ÿ’ฐ ๐–๐š๐ง๐ญ ๐ญ๐จ ๐๐ฎ๐ฒ ๐š ๐‡๐จ๐ฆ๐ž? ๐’๐ญ๐š๐ซ๐ญ ๐–๐ข๐ญ๐ก ๐˜๐จ๐ฎ๐ซ ๐Œ๐จ๐ง๐ž๐ฒ ๐‡๐š๐›๐ข๐ญ๐ฌ.

Getting mortgage-ready isnโ€™t just about having a down payment. The financial habits you build before you buy can make a big difference in what you qualify forโ€”and how comfortable that mortgage feels afterward.

๐‡๐ž๐ซ๐ž ๐š๐ซ๐ž ๐Ÿ“ ๐ฌ๐ฆ๐š๐ซ๐ญ ๐ฉ๐ฅ๐š๐œ๐ž๐ฌ ๐ญ๐จ ๐ฌ๐ญ๐š๐ซ๐ญ:

1. Track your spending โ€” Know where your money is going and where you can create room to save.
2. Build some backup savings โ€” Your down payment isnโ€™t the only expense that comes with homeownership.
3. Manage debt strategically โ€” You donโ€™t have to be debt-free to qualify for a mortgage, but how much debt you carry and the payments attached to it matter.
4. Have a plan โ€” Whether you want to buy in 6 months or 2 years, knowing your numbers early gives you time to prepare.
5. Know your priorities โ€” Your maximum mortgage approval and the payment youโ€™re actually comfortable with donโ€™t have to be the same number.

๐Ÿก Thinking about buying in Kamloops or surrounding areas?

You donโ€™t need to have everything figured out before talking to a mortgage broker. We can look at where you are today, what may need some work, and build a realistic plan to get you where you want to go.

๐Ÿก ๐“๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐€๐›๐จ๐ฎ๐ญ ๐‘๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐ง๐  ๐˜๐จ๐ฎ๐ซ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž?Refinancing can be a great financial toolโ€”but the lowest rate isnโ€™t the only ...
08/27/2026

๐Ÿก ๐“๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐€๐›๐จ๐ฎ๐ญ ๐‘๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐ง๐  ๐˜๐จ๐ฎ๐ซ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž?

Refinancing can be a great financial toolโ€”but the lowest rate isnโ€™t the only thing you should be looking at.

Before making a move, consider:

๐Ÿ’ฐ Your current mortgage penalty
Breaking your existing mortgage can come with a cost. We need to know that number before deciding if refinancing makes sense.

๐Ÿ“‰ Your new interest rate
A lower rate is great, but we need to compare the actual savings against the cost of refinancing.

๐Ÿ’ณ What youโ€™re refinancing for
Paying off high-interest debt? Renovating? Investing? Improving monthly cash flow? The why matters.

๐Ÿ“† Your amortization
Extending your amortization can lower your monthly paymentโ€”but it may also mean paying more interest over time.

๐Ÿ  Your homeโ€™s current value
Your available equity plays a major role in how much you can refinance.

๐Ÿ“Š Your current income + debts
Refinancing means qualifying again, so your income, credit and existing obligations all matter.

โš ๏ธ Fees and closing costs
Appraisal, legal and discharge fees may apply and should be included when we calculate whether the refinance actually puts you ahead.

The question isnโ€™t just, โ€œCan I refinance?โ€

Itโ€™s โ€œDoes refinancing improve my overall financial position?โ€

If youโ€™re considering using your home equity, message me. I can run the numbers and show you what refinancing would actually look like before you make a decision.

๐Ÿ“ฉ Tara Sales | Mortgage Advisor

๐Ÿก BC Homeowners โ€” this is worth setting up.The Land Title and Survey Authority of BC (LTSA) has launched BC Property Con...
08/26/2026

๐Ÿก BC Homeowners โ€” this is worth setting up.

The Land Title and Survey Authority of BC (LTSA) has launched BC Property Connect, a secure online service that connects you digitally to your property.

Why does that matter?

๐Ÿ”” You can receive property alerts when an application to change your title is submitted โ€” including things like:

* A new mortgage
* A lien
* A transfer
* Certain corrections or other title activity

Think of it as another layer of awareness around one of your biggest assets. If something unexpected is submitted against your title, you have the opportunity to know about it sooner. (Help LTSA)

Youโ€™ll need a verified BC Services Card account, and eligibility currently applies to certain privately owned residential properties in BC. (Help LTSA)

With recent conversations around mortgage and title fraud, this is one of those simple homeowner tools I think is worth knowing about.

๐Ÿ‘‰ Learn more or set up BC Property Connect through LTSAโ€™s BC Property Connect.

Homeownership isnโ€™t just about getting the mortgage โ€” itโ€™s about protecting the asset once you have it.

Have mortgage or homeownership questions? Send me a message. Iโ€™m always happy to help.

08/25/2026

๐Ÿ ๐ƒ๐ข๐ ๐ฒ๐จ๐ฎ ๐ค๐ง๐จ๐ฐ ๐ฒ๐จ๐ฎ ๐œ๐š๐ง ๐›๐ž๐œ๐จ๐ฆ๐ž ๐š ๐Ÿ๐ข๐ซ๐ฌ๐ญ-๐ญ๐ข๐ฆ๐ž ๐ก๐จ๐ฆ๐ž๐›๐ฎ๐ฒ๐ž๐ซ ๐š๐ ๐š๐ข๐ง โ€” ๐ž๐ฏ๐ž๐ง ๐ข๐Ÿ ๐ฒ๐จ๐ฎโ€™๐ฏ๐ž ๐จ๐ฐ๐ง๐ž๐ ๐›๐ž๐Ÿ๐จ๐ซ๐ž?

If enough time has passed since you lived in a home you owned, you may qualify again for federal benefits like:

๐Ÿ’ฐ FHSA โ€” up to $40,000 in contributions
๐Ÿฆ RRSP Home Buyersโ€™ Plan โ€” withdraw up to $60,000
๐Ÿ’ต Home Buyersโ€™ Tax Credit โ€” up to $1,500 in tax relief
๐Ÿ—๏ธ New Home GST Rebate โ€” potentially up to $50,000

But hereโ€™s the catch: B.C.โ€™s Property Transfer Tax first-time buyer exemption has different rules and generally doesnโ€™t reset.

Owned before and thinking about buying again?

๐Ÿ“ฒ Message me โ€œFIRST TIME AGAINโ€ and letโ€™s see what you qualify for.

๐Ÿก ๐˜๐จ๐ฎ ๐ช๐ฎ๐š๐ฅ๐ข๐Ÿ๐ฒ ๐Ÿ๐จ๐ซ ๐š $๐Ÿ•๐ŸŽ๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐žโ€ฆ ๐›๐ฎ๐ญ ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐œ๐จ๐ฆ๐Ÿ๐จ๐ซ๐ญ๐š๐›๐ฅ๐ž ๐ฐ๐ข๐ญ๐ก $๐Ÿ“๐Ÿ“๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ.Then $550,000 is your budget.A mortgage pre-...
08/24/2026

๐Ÿก ๐˜๐จ๐ฎ ๐ช๐ฎ๐š๐ฅ๐ข๐Ÿ๐ฒ ๐Ÿ๐จ๐ซ ๐š $๐Ÿ•๐ŸŽ๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐žโ€ฆ ๐›๐ฎ๐ญ ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐œ๐จ๐ฆ๐Ÿ๐จ๐ซ๐ญ๐š๐›๐ฅ๐ž ๐ฐ๐ข๐ญ๐ก $๐Ÿ“๐Ÿ“๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ.

Then $550,000 is your budget.

A mortgage pre-approval tells you what a lender is willing to lend you. It doesnโ€™t tell you what payment fits comfortably into your life.

Thereโ€™s a big difference between qualifying for a mortgage and being comfortable with the mortgage payment.

Before we set your home-buying budget, I want to know:

โ€ข What monthly payment feels comfortable?
โ€ข Do you still want room to travel?
โ€ข Are you saving for retirement?
โ€ข Do you have kids, vehicles, sports, hobbies or other expenses?
โ€ข Do you want breathing room when an unexpected bill shows up?

My job isnโ€™t to get you into the biggest mortgage possible.

Itโ€™s to help you buy a home you love without becoming house poor.

Qualify for X. Comfortable with Y. We shop at Y.

Thinking about buying? Letโ€™s figure out your real number before you start looking at homes.

๐Ÿ“ฒ 250-320-4110
๐Ÿ’Œ [email protected]
๐ŸŒ tarasalesmortgages.com

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348 Tranquille Road
Kamloops, BC

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