Liz Ross Mortgages

Liz Ross Mortgages Helping BC clients buy homes, save on interest, boost cash flow & sleep better at night. DM me “mortgage” to chat! 🏡✨

05/06/2026

Happy dance because this feels like a big win ☺️

I haven’t been able to run AT ALL for almost 3 months due to a knee injury. So 2 km yesterday and 3 km today (actual run time) with little pain… feels like everything.

Not because of the distance… but because of what it means.

This is your reminder not to compare yourself to anyone else. It’s about your own progress and your own growth.

Happy Cinco de Mayo 🇲🇽🌮🍹 Just here for the tacos… and good mortgage advice when you need it 😉
05/05/2026

Happy Cinco de Mayo 🇲🇽🌮🍹 Just here for the tacos… and good mortgage advice when you need it 😉

04/30/2026

The lowest rate doesn’t always mean best deal… and this is where people get burned 👀

Tomorrow is the third Bank of Canada rate announcement of 2026… and it’s looking like a whole lot of nothing.. again 😅Ex...
04/28/2026

Tomorrow is the third Bank of Canada rate announcement of 2026… and it’s looking like a whole lot of nothing.. again 😅

Expected outcome: no rate change

Which means:
✔️ Prime likely stays around 4.45%
✔️ Variable rates hold steady
✔️ No immediate changes to payments

But don’t let “no change” fool you…

This is actually a really important window if you’re:
• Up for renewal this year
• Thinking about refinancing
• Trying to time a purchase

Because stability = opportunity to make a smart move without pressure

And please… don’t auto-sign your renewal 🙃
That’s how people leave money on the table

If your mortgage is coming up in the next few months, let me take a look and make sure it actually makes sense for you 😊

04/01/2026

🎉 And the winner is… Rachel Nicole!! 🎉

I just did the draw (watch the video!) and I’m so excited for you!! I’ll message you shortly to get your prize to you 😊

Honestly… thank you SO much to everyone who entered, tagged friends, shared, and supported me. Hitting 6 years in this business feels pretty crazy, and I wouldn’t be here without all of you ❤️

I don’t take a single referral, message, or conversation for granted — it truly means everything to me.

And as always, if you or someone you know has questions about buying, refinancing, or renewing, I’m always happy to help. No pressure, just good advice 🙂

03/31/2026

My $250 giveaway is done tonight. Make sure you enter before midnight. I will be posting the winner tomorrow!!!

🎉 6 Year Anniversary Giveaway (Now on Facebook!) 🎉I realized there are a lot of you on here who aren’t on Instagram… so ...
03/23/2026

🎉 6 Year Anniversary Giveaway (Now on Facebook!) 🎉

I realized there are a lot of you on here who aren’t on Instagram… so I didn’t want you to miss out 😊

(if you have entered on instagram you can get additional entries on fb as well now)

I’m celebrating 6 years as a mortgage broker and to say thank you, I’m giving away $250 toward something you’d love!

🍀 One lucky person will win $250 to Best Buy, WestJet, Amazon, IKEA, Urban Barn, Airbnb, Canadian Tire, or a prepaid Visa.

How to enter:

👍 Like this post – 1 entry

📲 Share this post and tag me – 3 entries

👯 Tag a friend who would love to own a home someday (or who just loves free stuff) – 1 entry per friend
(Each tag in a separate comment. Unlimited entries.)

⭐ Leave a Google review (if we’ve worked together) – 5 entries

🏡 Send me a referral – 10 entries

Know someone thinking about buying, renewing, or refinancing? Send them my way and you’ll get 10 bonus entries.

Contest closes at midnight on March 30th
Winner announced March 31st

I’m so grateful for all the support over the years. Every tag, share, and referral honestly means so much ❤️

Giveaway disclaimer:

This giveaway is not sponsored, endorsed, administered by, or associated with Facebook or Instagram. No purchase is necessary to enter. Open to residents of British Columbia aged 18 and older. The winner will be selected at random and contacted via direct message. If the winner does not respond within 48 hours, another winner may be selected. By entering, participants agree to allow Liz Ross Mortgages to announce the winner’s name on social media.

03/20/2026

Okay THIS is actually a big one for first-time buyers 👇

If you’re buying a new build:
👉 No GST on homes up to $1M
👉 Reduced GST from $1M–$1.5M
💰 Potential savings up to $50,000

BUT here’s the important part… timing matters.
Your purchase agreement needs to be signed on or after March 20, 2025 to qualify.

And quick myth-buster 👇
A “first-time buyer” doesn’t always mean you’ve never owned before.

You can still qualify if:
• You haven’t owned a home in the last 4 years
• OR you’ve gone through a relationship breakdown

So yes… a lot more people fit into this than you might think.

This is one of those changes that could actually make getting into the market feel doable again.

If you’re even thinking about buying new, let’s run your numbers and see what this could look like for you.

03/18/2026

The Bank of Canada held its rate again… that’s 3 times in a row 👀

And no, it’s not because everything is “fine.”

A big reason? Global uncertainty — especially around the conflict in Iran and rising oil prices. When oil goes up, inflation tends to follow… and that makes rate cuts harder to justify.

👉 Translation: The Bank is being cautious.
👉 Reality: We’re still in a wait-and-see phase.

Bottom line: rates aren’t dropping just yet, so having a plan matters more than ever — if you want to know what this means for you, reach out and we’ll map out your next move.

12/10/2025

Quick morning update from me. The Bank of Canada held the policy rate again today, so it remains at 2.25%.

And just a little reminder because this one always causes confusion… the policy rate and the prime rate are two different numbers, but prime is affected my the policy rate. Therefore prime rate didn’t move today either, so it’s still sitting at 4.45%.

That means if you have a variable-rate mortgage or a line of credit, nothing changes for you right now.

On the flip side, fixed rates have been creeping upward lately, so if you’re coming up for renewal, looking at a refinance, or thinking about buying in the near future, this is a really good time to get in touch and look at options early. Getting ahead of it always puts you in a better position.

If you want me to run numbers or see what today’s rate landscape means for you, just reach out!

Address

Nanaimo, BC

Website

https://linktr.ee/lizrossmortgages

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