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Ask Marci About Mortgages

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North Vancouver, BC
Ask Marci About Mortgages

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Real mortgage advice. No fluff. No pressure. WHY USE A MORTGAGE BROKER?
- I am a specialist in mortgage products. I am available outside of "bankers hours".

Mortgage Broker with Mortgage Architects helping you navigate buying, refinancing, and renewing with honest guidance, personalized solutions, and over 25 years of industry experience. My role is to act as a link between you and the banks, so that you do not have to spend your valuable time shopping around for the perfect mortgage.
- Mortgage Alliance Meridian Pacific deals with over 50 lenders all across Canada. Best of all, the financial institution almost always pays my fee.
- I understand that your home is likely the most valuable asset you will ever own. I am your "Mortgage Manager". Not only do I know everything that there is to know about mortgages, I can explain it in plain English.
- If your situation requires special attention, I have several equity and private lenders so that every client can find the financing they require. I CAN TAKE CARE OF ALL YOUR MORTGAGE NEEDS AND SAVE YOU TIME AND MONEY!!

10/28/2026

𝐁𝐀𝐍𝐊 𝐎𝐅 𝐂𝐀𝐍𝐀𝐃𝐀 𝐑𝐀𝐓𝐄 𝐀𝐍𝐍𝐎𝐔𝐍𝐂𝐄𝐌𝐄𝐍𝐓!

On October 28, 2026, the Bank of Canada raised its key interest rate by 0.25%, bringing it to 2.50%.

So, what does this mean for you? Let's answer a few common questions!

𝐖𝐢𝐥𝐥 𝐦𝐲 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐠𝐨 𝐮𝐩?
If you have a variable-rate mortgage, you may see an increase in your payment, or more of your payment may go toward interest. If you have a fixed-rate mortgage, your rate stays the same until your term ends.

𝐒𝐡𝐨𝐮𝐥𝐝 𝐈 𝐬𝐰𝐢𝐭𝐜𝐡 𝐟𝐫𝐨𝐦 𝐯𝐚𝐫𝐢𝐚𝐛𝐥𝐞 𝐭𝐨 𝐟𝐢𝐱𝐞𝐝?
It depends on your current rate, the terms of your mortgage, and where fixed rates are today. It's worth having a conversation before making any changes.

𝐖𝐢𝐥𝐥 𝐫𝐚𝐭𝐞𝐬 𝐤𝐞𝐞𝐩 𝐠𝐨𝐢𝐧𝐠 𝐮𝐩?
Possibly. The Bank hasn't ruled out further increases, but has said it will proceed carefully given the uncertainty in the economy.

𝐖𝐡𝐞𝐧 𝐢𝐬 𝐭𝐡𝐞 𝐧𝐞𝐱𝐭 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐂𝐚𝐧𝐚𝐝𝐚 𝐚𝐧𝐧𝐨𝐮𝐧𝐜𝐞𝐦𝐞𝐧𝐭?
December 9, 2026.

There's still a lot of uncertainty, especially around Canada–US trade relations and energy prices.

I've broken down today's announcement, why the Bank raised rates, and what it could mean for homeowners and buyers in my latest blog.

Read the full blog here:https://www.askmarci.ca/bank-of-canada-raises-rate-to-2-5-october-28-2026

And as always, if you have any questions about how this affects your mortgage? Reach out to book a no-obligation mortgage review — we are happy to walk you through your options.

📱 604-816-8950
📧 [email protected]

10/27/2026

Want a clearer picture of where you stand with your home and mortgage?

I now have a free tool that creates a personalized Homeownership Report for you—and keeps you updated monthly.
Your report can give you a snapshot of things like:
• What your home may be worth today
• How much equity you've built
• Where you stand with your mortgage
• Whether there may be opportunities to save
• What your buying power could look like if you're thinking about moving

It's a simple way to stay informed about one of your biggest investments, even when you're not actively buying, selling or renewing.

Click here: https://app.ownwell.ca/join/askmarci

And, of course, if something in your report has you wondering “What does this mean for me?” — 𝑨𝒔𝒌 𝑴𝒂𝒓𝒄𝒊.💬

10/22/2026

Fixed vs. Variable Mortgage. Which one is better?

The answer? It depends on YOU!

There really isn't a one-size-fits-all answer when it comes to choosing between a fixed or variable mortgage.

It's about more than just the interest rate. We need to look at your comfort level, your future plans, and what makes the most sense for your situation.

Are you comfortable with rates changing? How long do you plan to stay in your home? Could you be moving or paying off your mortgage before the term is up?

These are all important things to consider.

And here's my rule of thumb: If a variable rate is going to keep you up at night, it might not be the right fit for you.

The goal isn't just to find a good rate. It's to find a mortgage that works for YOU.

Not sure which direction to go? Let's have a conversation and look at your options. 💬

📱 604-816-8950
📧 [email protected]

10/20/2026

Thank you so much for your kind words, Andrea! ❤️

Taking the time to understand my clients, their goals, and what matters most to them is such an important part of what I do.

A mortgage renewal isn't just about finding a new rate. It's about looking at the bigger picture and making sure the decisions we make today support your plans for the future.

I'm so glad you felt informed and confident throughout the process. Thank you for trusting me with your mortgage renewal and for taking the time to share your experience!

Have a mortgage renewal coming up? Let's talk about your options. 💬

10/16/2026

Maybe you love your neighbourhood and your home—but you've outgrown the space.

Now you're wondering: Do we spend the money to renovate, or would we be better off moving?

A big renovation can make your current home work for you again, but before investing that kind of money, it's worth looking at the bigger financial picture.
We can look at the equity you've built, what accessing that equity could look like, the potential cost of the renovation, and what the numbers might look like if you sold and purchased something that already meets your needs.

The decision isn't just about which option costs less today. It's also about your plans, your mortgage, and what makes sense for you financially.

Before you start knocking down walls—or scrolling through listings—let's run the numbers. 💬

10/13/2026

Selling your home before your mortgage term is up? What happens next depends on the mortgage you have.

You may need to pay a prepayment penalty to break your mortgage early, but that isn't always your only option.

If you're buying another home, your mortgage may be portable, meaning you could potentially take your existing mortgage with you to the new property. Depending on your situation, there may be other options worth looking at too.

The important thing is to understand your mortgage before you list or make your next move, so you know what costs or options you could be working with.

Thinking about selling? Ask Marci. Let's look at your mortgage first. 💬

10/08/2026

Bridge financing is probably one of the most misunderstood concepts.

A bridge is when you have sold your current home and the sale is firm, and you've purchased your new home and that purchase is also firm. So, you have two firm contracts—but the closing dates don't line up.

That's when we can provide bridge financing to help cover that gap.

A bridge is not when you haven't sold your current home yet, but you need the money to close on your new home. That's a whole different type of financing.

We can help with that too, but it's not a bridge. In that situation, you actually need two mortgages.

Have questions about buying and selling at the same time? Ask Marci. 💬

10/05/2026

𝐓𝐫𝐲𝐢𝐧𝐠 𝐭𝐨 𝐢𝐦𝐩𝐫𝐨𝐯𝐞 𝐲𝐨𝐮𝐫 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞? There are a couple of things to keep in mind.

First, make sure you're making your payments on time. Another important factor is how much of your available credit you're using.

A good guideline is to try to keep your balances around one-third of your available limit or less.

For example, if your credit card has a $1,000 limit and you're regularly carrying a $900 balance, you're using most of the credit available to you. Increasing your limit to $2,000, while keeping your spending the same, could lower your credit utilization.

The important part? A higher limit isn't an invitation to spend more. The goal is to keep the balance lower in relation to the credit you have available.

If you have questions about your credit or how it could affect your mortgage application, Ask Marci. 💬

604-816-8950
[email protected]

10/01/2026

Thank you so much for the kind words, Blaire! ❤️

Helping my clients find a mortgage that’s right for them is always the goal. That means looking at the whole picture, explaining the options, and advocating for you throughout the process.

I truly appreciate your trust and support, and I’m so glad I could be part of your mortgage journey. Thank you for taking the time to share your experience!

Have mortgage questions of your own? Ask Marci. 💬

09/29/2026

Let’s talk about your down payment.

Every lender needs to see a clean 90-day trail showing where your down payment came from. This isn’t about judging your finances—it’s part of anti-money laundering requirements.

One of my biggest tips? Keep things simple. Try not to move large amounts of money between accounts while you’re going through the mortgage process.

If there are deposits over $2,000, we’ll need to show where that money came from and provide the supporting documentation.

Your down payment is one of the most closely reviewed parts of the process, but if we get ahead of it and have everything organized, we can keep it simple.

Questions about preparing your down payment? Ask Marci. 💬

604-816-8950
[email protected]

Address

102/223 Mountain Highway
North Vancouver, BC
V7J3V3

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+16048168950

Website

http://www.askmarci.ca/

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