Colman & Associates - Mortgage Consultants

Colman & Associates - Mortgage Consultants Personalized mortgage solutions that work for you. Customize your mortgage to fit your needs. New Purchases, Refinancing, Renewing and Renovating

Backpacks packed, lunches ready, routines back in motion. September is all about getting organized, and your mortgage ca...
09/08/2026

Backpacks packed, lunches ready, routines back in motion. September is all about getting organized, and your mortgage can be part of that reset too.

If it’s been a while since you reviewed your mortgage, now may be a good time to look at where things stand. Your financial goals may have changed, you may have built more home equity, or your mortgage renewal could be getting closer.

We can help you review your current mortgage, explore your mortgage options, and see whether anything is worth revisiting.

Add one more thing to your September plans. Connect with your Mortgage Broker today for a mortgage review.

Seven decisions. Seven holds.The Bank of Canada has once again maintained its policy rate at 2.25%. While the headline r...
09/02/2026

Seven decisions. Seven holds.

The Bank of Canada has once again maintained its policy rate at 2.25%. While the headline rate remains unchanged, homebuyers and homeowners still have individual mortgage decisions to make based on their budget, goals, term, and financing needs.

Connect with your Mortgage Broker to put today’s Bank of Canada announcement into context for your mortgage.

Open or closed mortgage: which one makes sense for you?An open mortgage gives you more flexibility to pay off your mortg...
09/01/2026

Open or closed mortgage: which one makes sense for you?

An open mortgage gives you more flexibility to pay off your mortgage early without a prepayment penalty, which can be helpful if you expect to sell, refinance or receive funds you want to put toward your mortgage. A closed mortgage typically has prepayment limits but may offer other advantages depending on your needs.

There’s no one-size-fits-all answer. We can help you compare the features, costs and flexibility of each so you can choose a mortgage that fits your plans.

Not sure which way to go? Connect with your Mortgage Broker today and find the right fit for you.

A mortgage renewal shouldn’t be an automatic signature. Rates, financial goals and mortgage needs can change significant...
08/27/2026

A mortgage renewal shouldn’t be an automatic signature. Rates, financial goals and mortgage needs can change significantly from one term to the next.

Before renewing, it’s worth reviewing the current rate, reconsidering the mortgage structure and comparing options from other lenders.

Renewal coming up? Connect with your Mortgage Broker before signing to see what options may be available.

Buying a new build comes with a different financing process than buying an existing home. Deposit schedules, longer clos...
08/25/2026

Buying a new build comes with a different financing process than buying an existing home. Deposit schedules, longer closing timelines and lender requirements can all affect how your mortgage needs to be structured.

The right strategy helps keep your financing aligned from purchase agreement to closing day.

Planning to buy new construction? Connect with a Mortgage Broker today and build a financing strategy around your timeline.

Mortgages don’t have to feel complicated.From understanding rates and terms to navigating lender options and the fine pr...
08/20/2026

Mortgages don’t have to feel complicated.

From understanding rates and terms to navigating lender options and the fine print, the right mortgage guidance can turn an overwhelming process into a clear path forward.

Less confusion. More clarity. Connect with your Mortgage Broker today and make your next mortgage move simpler.

You work hard for your home. Your mortgage should work just as hard for you.As your life, goals and finances evolve, a m...
08/18/2026

You work hard for your home. Your mortgage should work just as hard for you.

As your life, goals and finances evolve, a mortgage that once fit may not fit the same way today. Renewal is your opportunity to make sure it still does.

Renewal approaching? Connect with your Mortgage Broker today and make sure your mortgage is still working for you.

A stronger mortgage application can start well before it’s time to apply.Taking an early look at credit, existing debt, ...
08/13/2026

A stronger mortgage application can start well before it’s time to apply.

Taking an early look at credit, existing debt, income, down payment savings, and overall budget can help identify areas worth working on before a mortgage application is submitted. The more time there is to prepare, the more opportunity there may be to strengthen the overall financial picture and understand available mortgage options.

Mortgage planning doesn’t have to begin when the perfect home appears.

Connect with your Mortgage Broker early to build a plan and prepare for your future mortgage application.

Land transfer tax is an important cost to plan for when buying a home, and the amount can vary depending on where the pr...
08/11/2026

Land transfer tax is an important cost to plan for when buying a home, and the amount can vary depending on where the property is located.

In many parts of Canada, land transfer tax is charged when ownership of a property changes hands. Some first-time home buyers may also qualify for rebates or exemptions, which can reduce the amount owing at closing. Understanding the rules in your province or municipality can help you build a more accurate home buying budget.

Connect with your Mortgage Broker today to understand how land transfer tax may apply to your purchase and what other closing costs to plan for.

The mortgage stress test is designed to help you prepare for homeownership, not just qualify for a mortgage.When you app...
08/06/2026

The mortgage stress test is designed to help you prepare for homeownership, not just qualify for a mortgage.

When you apply for a mortgage, you’ll need to qualify at a higher rate than the one on your mortgage. This helps determine whether you could still comfortably manage your mortgage payments if interest rates were to rise in the future. Understanding how the mortgage stress test affects your borrowing power and home buying budget can help you plan with greater confidence.

Connect with your Mortgage Broker to learn how the mortgage stress test may affect your mortgage options and home buying journey.

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209-755 McGill Road
Kamloops, BC
V2C0B6

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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