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Gillian Falk, Mortgage Expert

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Nanaimo, BC
Gillian Falk, Mortgage Expert

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Mortgage broker

10/14/2026

So, what’s happening in Canada’s mortgage market this fall?
The market is shifting, and there are a few things worth keeping an eye on.
• Home sales are expected to finish 2026 below last year, but the current forecast points to a stronger 2027, with sales expected to increase by 3.7%.
• The national average home price is forecast to finish 2026 around $686,710, with modest growth expected into 2027.
• Affordability and housing supply continue to play an important role in the market, but conditions are changing from region to region.

The big takeaway? The Canadian housing market isn't standing still.
For Canadians thinking about buying, selling, renewing or refinancing, this fall is a good time to understand what's happening in the market and how it relates to your own plans.

09/04/2026

🏡 Mortgage rates are moving, but what does that actually mean for you?

With continued uncertainty around mortgage rates, many homeowners are wondering: Should I choose variable or fixed?

The truth is, there’s no one-size-fits-all answer.

While the Bank of Canada has held rates steady, we’ve still seen movement in the mortgage market. We’re also seeing more homeowners consider variable mortgages, especially because of the flexibility they can offer, including the potential to convert to a fixed rate.

But your mortgage rate is only one piece of the puzzle.

Your payment frequency, amortization, other outstanding debt, and overall financial situation can all have a significant impact on the outcome. That’s why it’s important to look at the actual numbers for your household rather than simply choosing whichever rate looks lowest today.

And when it comes to fixed rates, volatility means time can be an asset. Understanding your options early gives you more opportunity to make an informed decision rather than feeling pressured to react.

💡 Take your power back. Dollarize your options.

One conversation with me could potentially save you thousands of dollars and help you make decisions that better protect your wealth and support your long-term financial goals.

Working with me also means having someone who can look at multiple lending options and focus on what makes the most sense for you, rather than being limited to one lender.

Your mortgage decisions matter, and so does having the right person in your corner.

📞 If you’re unsure what your options are, let’s run the numbers and take the guesswork out of it.
Call 250-716-1930 to get started

07/15/2026

The Bank of Canada has left its key interest rate unchanged.

If you’ve been wondering what this means for your mortgage, renewal, or home buying plans, let’s connect.

Every situation is unique, and I’d be happy to explain how today’s announcement may affect you.

Contact me at 250-716-1930 to learn more!

07/10/2026

I’m incredibly honoured and grateful to have been recognized as a 2025 Dominion Lending Centres Master Club Award recipient, placing me among the Top 5% of DLC Brokers.

This achievement isn’t something I could have accomplished on my own. It’s only possible because of the amazing people who continue to trust me with one of the biggest financial decisions of their lives.

To my clients, thank you for putting your confidence in me and allowing me to be part of your homeownership journey.

To my family and friends, thank you for your constant encouragement, support, and for thinking of me whenever someone you know needs mortgage advice. Your referrals mean more than you know, and I never take them for granted.

I also want to thank my amazing realtor, financial planner, lawyer, and industry partners. Your professionalism, collaboration, and referrals have been an important part of this journey, and I’m so grateful to work alongside such incredible people.

I truly love what I do, and I’m so thankful to be able to help people achieve their homeownership goals every day.

Here’s to another year of helping more families, building new relationships, and continuing to earn your trust. Thank you all for being part of this journey. ❤️ xoxo

07/09/2026

🏡 Thinking about buying a home? It’s never too early to start planning.

A few smart decisions today can make a big difference tomorrow, from saving a larger down payment to choosing the right payment schedule.

Whether you’re buying your first home, moving up, or just curious about your options, I’m always happy to answer your questions and help you build a plan that works for you.

📩 Reach out anytime. Let’s make homeownership feel a little less overwhelming.

06/10/2026

📣Bank of Canada Rate Update

As expected, the Bank of Canada announced this morning that it is holding its key interest rate steady.

For homeowners, buyers, and those renewing their mortgages, today’s announcement provides continued stability in the lending environment. While rates remain unchanged for now, market conditions can shift quickly, making it important to stay informed about your options.

Whether you’re purchasing your first home, renewing your mortgage, or exploring refinancing opportunities, I’m here to help you navigate the current market and make informed decisions.

📞 Have questions about how today’s announcement affects you? Let’s connect!

06/09/2026

🏡 Get mortgage-ready in under 60 seconds!
The My Mortgage Toolbox app helps you:�✅ Check affordability�✅ Calculate payments�✅ Explore your options�✅ Get pre-qualified fast
Ready to make your move? Contact us today! 📲

Click this link to start now!!

https://dlcapp.ca/app/gillian-falk/download

06/01/2026

You don’t need to have all the answers before buying your first home.

You just need someone who can help guide you through the process.

From understanding how much you can afford to securing the right mortgage, I’ll help you navigate the journey with confidence and clarity.

If owning your first home is on your vision board this year, let’s make a plan to get you there.

🏡 Your first home starts with a conversation.

📩 Send me an email at [email protected] to discuss your options!

05/27/2026

Teaching teens about money early can make a huge difference later 💡

From budgeting and credit scores to saving for a first car or future home, the habits they build now can shape their financial future for years to come. As mortgage professionals, we know financial confidence starts long before buying a home.

What’s one money lesson you wish you learned sooner as a teenager? 👇

05/20/2026

🏡 Want to pay off your mortgage faster without completely changing your lifestyle? Small changes can make a BIG impact over time.

Here are a few smart strategies:
✔ Increase your payment frequency
✔ Make lump sum payments when possible
✔ Put bonuses or tax refunds toward your mortgage
✔ Review your mortgage regularly to make sure it still fits your goals

The right mortgage strategy can save you thousands in interest and years off your mortgage.

If you’d like to explore your options or create a plan that works for your budget, I’d be happy to help! 📩

Address

3331 Creekside Place
Nanaimo, BC
V9R7C7

Opening Hours

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

Website

https://gillianmortgageexpert.ca/

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