Hiedi Letiec-Mortgage Broker

09/16/2026

🏡 MORTGAGE RATES: WHAT’S HAPPENING RIGHT NOW?

If you’ve been waiting for the “perfect” mortgage rate before making a move, here’s something important to remember:

The rate is only one piece of the mortgage puzzle.

The Bank of Canada is currently holding its overnight rate at 2.25%, while fixed mortgage rates are being influenced by bond yields and broader economic conditions.

That means your best mortgage option isn’t necessarily the one with the lowest rate advertised online.

Your income, credit, down payment, property, mortgage type, lender options and future plans can all affect what makes sense for you.

🔑 My job as a mortgage broker is to look beyond the rate.

I can compare options from multiple lenders and help you understand:
✔️ Fixed vs. variable
✔️ Term options
✔️ Payment differences
✔️ Prepayment privileges
✔️ Penalties
✔️ Overall mortgage flexibility

Don’t just ask, “What’s the rate?”

Ask: “What mortgage actually fits my situation?”

If you’re buying, refinancing, renewing or just curious about what you qualify for, send me a message. 💕

09/10/2026

Before you get a mortgage, ask yourself one question…

👉 Do I actually understand what I’m signing up for?

Your mortgage can affect your finances for years. The rate matters, but so do the penalty, flexibility, payment options, lender, and the strategy behind it.

That’s where having a mortgage broker in your corner can make a difference.

I don’t believe in putting clients into a mortgage just because it has the lowest rate.

I believe in explaining your options, finding what fits your situation, and making sure you feel confident about your decision.

Because buying a home is already a big enough decision.
Understanding your mortgage shouldn’t be the stressful part. 🏡

If you’re thinking about buying, refinancing, renewing, or just want to know what you could qualify for, message me.

📲 Hiedi Letiec | Mortgage Broker

09/09/2026

🚨 STOP CHASING THE LOWEST MORTGAGE RATE.

Yep, I said it. 😅

That rate you saw advertised might look amazing… but a mortgage is about WAY more than the number beside the % sign.

Two mortgages can have the exact same rate, but very different penalties, flexibility, prepayment options, and restrictions.

And the “cheapest” mortgage today could end up costing you more tomorrow.

Before you choose a mortgage, you should understand:

🏡 Fixed vs. variable
💰 Your prepayment options
🔓 What happens if you need to break your mortgage
🔄 Whether it’s portable
📅 What your plans are for the next few years
📈 How the mortgage fits into your bigger financial picture

My job isn’t to simply find you the lowest rate.

My job is to help you understand your options, explain the fine print, and find a mortgage that makes sense for YOUR situation.

Because the best mortgage isn't necessarily the one with the lowest rate.

It’s the one that works for you. ❤️

Thinking about buying, refinancing, renewing, or just wondering if your current mortgage is still competitive?

📲 Let’s chat.

Hiedi Letiec Mortgages
Helping you understand your mortgage, not just sign one.

09/01/2026

🏡 Thinking about buying, refinancing, or just wondering what your mortgage options look like?

Your mortgage should be about more than just the lowest rate. It’s about finding the right strategy for you and your financial goals.

Whether you’re a first-time homebuyer, looking to refinance, purchasing an investment property, or simply want to know where you stand, I’m here to help make the process easier and less overwhelming. 🤍

As a mortgage broker, I work with 40+ lenders to help find solutions that fit your unique situation.

✨ Personalized mortgage advice
✨ Access to multiple lenders
✨ Purchases & refinances
✨ Mortgage renewals & reviews
✨ Construction financing

I’ve also made it easier than ever to learn more and get started!

👉 Visit my website:
www.HiediLetiecMortgages.com

Have questions? Send me a message anytime. I’d love to help you make your next move with confidence. 🏠🔑

Hiedi Letiec | Mortgage Broker

06/02/2026

06/02/2026

🏡 Kelowna Market Update

If you've been thinking about buying a home, now may be a good time to start looking.

There are more homes available on the market than we've seen in recent years, giving buyers more choice and more room to negotiate. While sales have slowed, home prices have remained relatively stable.

Whether you're a first-time homebuyer, renewing your mortgage, or curious about your options, I'm always happy to answer questions and help you create a plan.

📩 Send me a message anytime for a no-obligation mortgage review.

05/07/2026

Buying a home is exciting… but the mortgage process can feel overwhelming fast.

That’s where I come in 😊
As a mortgage broker, I work with multiple lenders to help find options that fit your situation, whether you’re buying your first home, renewing, refinancing, or just wanting to know what’s possible.

✔️ First-time home buyers
✔️ Renewals & refinances
✔️ Self-employed options
✔️ Debt consolidation
✔️ Investment properties

Even if you’re “just looking,” I’m always happy to answer questions with no pressure.

Feel free to message me anytime 🏡

05/01/2026

Buying in BC? Your down payment is NOT your only cost 👇

Most buyers focus on saving their down payment…
and forget about closing costs 💸

Here’s what you also need to budget for:

• Property Transfer Tax (PTT) 😬
(1% on first $200K, 2% up to $2M, more above that)
• Lawyer / Notary fees
• Home inspection + appraisal
• Adjustments (taxes, strata fees, utilities)

And no… you usually can’t add this to your mortgage

Don’t get caught scrambling right before possession day.

Know your full numbers before you shop.

📩 Message me “COSTS” and I’ll break down exactly what you’ll need in BC.

04/15/2026

POV: you’ve been working on your mortgage reel for an hour… nailed the script, lighting was 🔥

…and then ✨everything deletes✨

Cool cool cool, love that for me 🤡
Guess I’ll just go re-record my personality again

04/14/2026

📊 Mortgage Market Update – April 14

We’re seeing a shift in the market right now 👇

🏡 Purchase activity has slowed as higher rates continue to impact affordability
🔄 More homeowners are starting to explore refinancing options
💡 With rates up, some fixed-rate mortgage penalties may have dropped — opening the door for potential switches

What does this mean?
It’s a market where strategy matters more than ever. Whether you’re buying, renewing, or just reviewing your current mortgage, there may be opportunities that weren’t there even a few months ago.

If you’re unsure where you stand, let’s chat and map out your options 📩