Trista Biller - BRX Mortgage

Trista Biller - BRX Mortgage Helping clients build strong financial futures with personalized mortgage solutions. Independent, client-focused, and proudly serving British Columbia.

Bank of Canada Update: No Change to Interest RatesThe Bank of Canada has decided to keep its key interest rate at 2.25%....
09/02/2026

Bank of Canada Update: No Change to Interest Rates

The Bank of Canada has decided to keep its key interest rate at 2.25%.

What does this mean?

• Variable mortgage rates are expected to stay the same for now.
• Fixed mortgage rates are influenced more by bond markets, which have been moving up recently.
• Canada’s economy is improving, but there is still uncertainty around global events, oil prices, and trade tariffs.

Inflation is sitting around 3%, mainly due to higher gas prices, but most other prices are staying closer to normal levels.

For homebuyers and homeowners, this means it’s still important to have a plan and review your mortgage options regularly. Whether you’re buying, renewing, or refinancing, understanding your options can help you make the best decision.

Have questions about how this impacts your mortgage? Send me a message, I’m always happy to help!

When lenders review your application, they’re looking at your overall financial picture, including:1. Your incomeHow muc...
09/02/2026

When lenders review your application, they’re looking at your overall financial picture, including:

1. Your income
How much you earn matters, but how you earn that income can matter too. Salary, hourly, self-employed, commission and other types of income can all be treated differently by lenders.

2. Your debts
Car loans, credit cards, lines of credit, student loans and other monthly payments are all considered when determining how much mortgage you can qualify for.

3. Your credit history
Your credit score is important, but lenders can also look at your payment history, outstanding balances and how you manage your credit.

The takeaway?
Your mortgage approval isn't based on one magic number. It's about how all of these pieces come together.

And this is exactly why getting a pre-approval before you start seriously house hunting can be so helpful. It gives you a better idea of where you stand and what price range makes sense for you.

Thinking about buying? Let's chat!

08/27/2026

The best days are the ones we get approved! 🥳

These are real questions my clients have asked me recently and they’re questions I think a LOT of people have but may no...
08/24/2026

These are real questions my clients have asked me recently and they’re questions I think a LOT of people have but may not know who to ask.

🏠 “What will my payment be?”
Your payment can depend on more than just the mortgage amount. Your interest rate, amortization, down payment and property taxes can all affect the overall picture.

📈 “What kind of interest rate do I need?”
There isn’t one “perfect” rate for everyone. The right mortgage depends on your financial situation, goals and how long you plan to stay in the mortgage.

🔄 “What will my next mortgage rate be when I renew?”
This one is a big unknown! We can’t predict exactly where rates will be when your renewal comes around, but you also don’t have to simply accept the renewal offer from your current lender. You can compare your options and make sure your mortgage still works for you.

And these are exactly the kinds of questions I’m here to help with.

No question is too basic, too complicated or too early to ask. If you’re wondering about something mortgage-related, send me a message! No obligation, no pressure, just answers.

What mortgage question have you always wanted to ask? 👇

It IS kinda chic 😌✨
08/14/2026

It IS kinda chic 😌✨

Your mortgage payment is about $875/month… but only $1 is going toward principal. What would you do? 👀I recently worked ...
08/10/2026

Your mortgage payment is about $875/month… but only $1 is going toward principal. What would you do? 👀

I recently worked with a client who was in exactly this situation.

They had a second mortgage where, despite making their monthly payments, approximately $1 was going toward the principal each month.

That means the majority of their payment was going toward interest, which essentially was lighting $874 on fire every month. They weren’t making the progress they expected on the debt.

So we started looking at options.

The goal wasn’t simply to find a mortgage. It was to find a solution that would actually improve the client’s financial position without making their interest rate and payments even higher.

We were able to secure a new mortgage at a rate equal to what they were already paying but with a much more manageable structure and a path toward actually paying down the debt.

Same rate. Very different outcome.

This is one of the reasons I always encourage people to look at more than just the rate.

Sometimes the question isn’t “Can I get a lower rate?”

It’s “Is my current mortgage actually working for me?”

And if the answer is no… let’s talk!

Here are 3 things you can do to make the process smoother:🍁 Review your budget – know what monthly payment feels comfort...
08/07/2026

Here are 3 things you can do to make the process smoother:

🍁 Review your budget – know what monthly payment feels comfortable
🍁 Check your credit - small changes can make a difference
🍁bet a pre-approval - understand your options before you start shopping

The biggest mistake buyers make? Waiting until they find their dream home before figuring out their financing. A little preparation now can make the process much less stressful later!

07/31/2026

Waiting for mortgage rates to hit rock bottom before buying? 🤔

It’s a strategy I hear all the time but the reality is, no one knows exactly where rates or home prices will go next.

The best time to buy isn’t when rates are “perfect.” It’s when you’re financially ready and the numbers make sense for your budget.

The good news? If rates come down after you buy, you may have options when it’s time to renew or refinance. But if home prices continue to rise while you’re waiting, that dream home could become even more expensive.

Every situation is different, which is why having a plan is so important.

If you’re wondering whether it makes sense to buy now or wait, let’s chat. I’d be happy to walk through your options, no pressure, just honest advice.

07/29/2026

What can I say? They’re the best of the best! 💁🏼‍♀️

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