Shelby Bragg Mortgage Broker

06/12/2026

Summer is one of the best times of year to take on home renovations. Longer days, warmer weather, and easier access to outdoor spaces make it ideal for tackling projects that improve both comfort and value. Whether you are planning to sell in the future or simply want to enjoy your space more, the right home renovations can make a noticeable difference.

If you are looking to make the most of the season, these five projects are practical, impactful, and well suited for summer conditions.

Discover five home renovations perfect for summer to boost comfort, improve efficiency, and add value to your home with practical seasonal upgrades.

06/10/2026

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.

The conflict in the Middle East is now in its fourth month. The resulting increases in energy prices and disruptions in global supply chains are weighing on global economic growth and pushing up inflation. At the same time, the US administration continues to propose new tariffs and trade policy uncertainty remains elevated.
https://loom.ly/w364AUU

Automatically view the rate announcement the moment it is published.

06/10/2026

A low appraisal can be frustrating, especially when you are in the middle of buying or refinancing a home. It can feel like a setback, but it is more common than many people think. When an appraisal comes in below the agreed purchase price or expected value, it can affect your financing and how the deal moves forward. The good news is that you have options.

Understanding what a low appraisal means and how to respond can help you stay in control of the situation.

Got an appraisal that came in too low? Learn your options, from renegotiating to covering the gap, and how to move forward with confidence.

06/05/2026

Buying or selling a home is one of the biggest financial decisions most people will make. While it is possible to go through the process on your own, working with the right real estate agent can make a significant difference in both the experience and the outcome. The key word here is right. Not all agents bring the same level of expertise, communication, or value.

Choosing the right real estate agent is not just about convenience. It is about protecting your interests and making confident decisions at every stage.

Learn why choosing the right real estate agent matters and how the right guidance can improve your home buying or selling experience.

06/03/2026

If you are planning to buy a home, you have likely heard about mortgage pre-approval early in the process. It is often recommended as a first step, but many buyers still wonder whether it is actually required. The short answer is no, a pre-approval is not mandatory. However, skipping it can make the home buying process more difficult, less predictable, and in some cases, more stressful.

Understanding what a pre-approval does and how it fits into your home buying journey can help you decide how to move forward.

Is mortgage pre-approval mandatory? Learn why it is not required but still essential for budgeting, confidence, and making stronger offers when buying a home.

06/02/2026

Viens nous voir cette fin de semaine :)

06/02/2026

One year ago, we opened the doors to our new location in Moncton at 93 Victoria Street. We’re incredibly grateful for the support we’ve received from our clients, business partners, and community over the past year. Thank you for supporting us so warmly and allowing us to continue helping families achieve their homeownership goals. We’re excited for what’s ahead and would love to welcome clients and business partners to stop by and visit us at our Moncton office anytime.

05/29/2026

Managing multiple debts can feel overwhelming, especially when payments, interest rates, and due dates are all different. This is where debt consolidation can help. At its core, debt consolidation is a strategy that combines several debts into a single payment, often with the goal of making repayment simpler and more manageable.

But what does debt consolidation actually do for you in a practical sense? Understanding the real impact can help you decide if it is the right move for your situation.

Learn what debt consolidation does, how it simplifies payments, lowers interest, and helps you manage debt more effectively.

05/27/2026

Buying a home is a major milestone, but it can come with unintended consequences if your budget is stretched too far. One of the most common situations homeowners face is becoming house poor. This happens when a large portion of your income is tied up in housing costs, leaving little room for anything else.

While owning a home builds equity, being house poor can quietly impact your overall financial health in ways that are easy to overlook at first.

Learn how being house poor impacts your finances and how to keep your home affordable while maintaining savings, flexibility, and long term financial health.

05/22/2026

Green energy upgrades have become a major topic for homeowners across Canada. From heat pumps to solar panels and improved insulation, many people are asking whether these investments are actually worth the cost. The answer is not always straightforward. Green investments can offer long term savings and environmental benefits, but they also come with upfront costs that need to be carefully considered.

If you are thinking about making your home more energy efficient, it is important to weigh both the financial and practical impact.

Are green energy investments worth it? Learn the costs, savings, and benefits of energy efficient upgrades to decide what makes sense for your home.