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Janet Laluk - Mortgage Broker

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Canada
Pitt Meadows, BC
Janet Laluk - Mortgage Broker

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25+ years of trusted mortgage advice. Fast approvals, expert guidance, and AI-powered service. Local knowledge, national reach. Married with 3 children.

Call today for a no-obligation consultation! Avid cyclist, enjoy jogging, hiking and reading. Have been helping people find the best mortgage financing ssince 1991. I'm in my 32 year as a mortgage broker, prior to that I was an underwriter and financed retail sales which I was my first career after graduating from UBC with a bachelor of commerce degree.

11/02/2026

The Canadian mortgage stress test protects your long-term financial stability.

Navigating your initial pre-approval means understanding how lenders view your income and debts. The stress test ensures that a sudden shift in the economy will not compromise your ability to maintain your home.

While it may adjust your initial budget, it provides peace of mind that your mortgage will remain manageable.

Reach out when you are ready to determine your exact qualifying power.

📞 (604) 671-6258
📧 [email protected]
🌐 loweryourrate.ca

11/02/2026

A low rate feels protective. But carrying high-interest debt elsewhere often outweighs that single number. Restructuring your overall balance can create real breathing room.

Mortgage refinancing decisions should be based on your overall borrowing costs, not just one contract rate.

Many households protect a low rate on their property while managing credit cards, vehicle loans, or lines of credit with double-digit carrying costs.

When you calculate your blended borrowing rate across all obligations, keeping that original mortgage untouched may actually drain your monthly cash flow.

Restructuring your debt into a single payment often reduces your total monthly payout, giving your family practical financial flexibility.

If you would like to run your numbers, let's talk.

📞 (604) 671-6258
📧 [email protected]
🌐 loweryourrate.ca

10/31/2026

Deploying home equity for an investment property requires a clear financial strategy.

Building wealth through real estate means understanding how to use your existing assets safely. We look at your current home value, projected rental income, and overall debt load to ensure your new purchase aligns with your financial goals.

If you are considering a second property, let us review the structural requirements together.

📞 (604) 671-6258
📧 [email protected]
🌐 loweryourrate.ca

10/28/2026

Building your first home down payment requires careful planning.

A solid deposit is the foundation of your mortgage application. It dictates your purchasing power and your long-term carrying costs.

You have options beyond a standard savings account. Programs like the First Home Savings Account or leveraging existing investments can help you reach your target faster.

If you would like to run the numbers on your own timeline, let us talk.

📞 (604) 671-6258
📧 [email protected]
🌐 loweryourrate.ca

10/18/2026

"My friend just got a 4.29% rate, why is mine higher?"

This is one of the most common questions I get as a Canadian mortgage broker. It's easy to assume rate differences come down to bargaining power, but Canadian mortgage pricing is based on a complex risk formula.

Here’s why two people buying homes in the same week can get completely different rates:

1️⃣ Insured vs. Uninsured: Putting less than 20% down requires mortgage insurance, which lowers lender risk—and often results in lower rates than putting 20% down!
2️⃣ Credit Score Tiers: Higher credit scores unlock prime A-lender promotional tiers.
3️⃣ Rate Lock Timing: Fixed rates follow bond yields daily. Locking in 3 weeks earlier can mean a world of difference.
4️⃣ Property Use: Rental properties, refinances, and primary purchases all carry different pricing.
5️⃣ Fine Print: Ultra-low promotional rates often come with restrictive penalty clauses.

Bottom line? Don’t shop for someone else’s rate, shop for the right mortgage term and flexibility for YOUR goals. 🎯

💬 Comment "STRATEGY" or send me a DM to review your rate options today!

📞 (604) 671-6258
📧 [email protected]
🌐 loweryourrate.ca

10/17/2026

Did you get pre-approved for a mortgage earlier this summer? ☀️🏠

Here’s what most buyers don't hear until it's too late: Pre-approvals expire after 90 to 120 days.

That means if you locked in your rate back in May or June, that rate hold and lender approval might already be stale.

Before you write an offer on a house this fall, your financial picture including updated pay stubs, debt ratios, and current rates needs a quick tune-up, so you aren't surprised at closing.

👇 Comment REFRESH (or send me a DM), and I’ll help you update your approval status in minutes!

📞 (604) 671-6258
📧 [email protected]
🌐 loweryourrate.ca

10/15/2026

The average age of a Canadian first-time home buyer is older than ever.

Between stress tests, higher down payment thresholds, and rising living costs, entering the market in your mid-30s or 40s is becoming the new normal across Canada.

Don't let arbitrary age timelines pressure your financial decisions.

Focus on cash flow, solid credit, and the right mortgage structure.

Need help building a realistic purchase plan? DMs are always open! 🇨🇦🏠

📞 (604) 671-6258
📧 [email protected]
🌐 loweryourrate.ca

10/14/2026

This is one of the most confusing surprises a homeowner can get.

You locked in a fixed-rate mortgage contract, but your monthly bank withdrawal suddenly jumped by $50, $100, or more.

What happened?
If your lender collects your property taxes along with your mortgage payment (often called a tax account or escrow account), your total withdrawal consists of two separate parts:

Principal & Interest (This part is fixed and didn't change).

Property Taxes (This part is set by your municipality, NOT your bank).

Why the payment increased:

📈 Municipal Tax Rate Increases: Local cities update their annual tax rates, which increases your overall annual bill.

🏛️ Property Reassessments: If your home's assessed value went up, your property tax bill followed suit.

⚖️ Account Shortfall Adjustment: Lenders review your tax account yearly. If the taxes paid out to the city were higher than what was collected from you, the lender raises your monthly amount to cover the difference and make up for the past shortfall.

The Bottom Line: Your mortgage interest rate didn't change but your property tax bill did!

👇 Confused by a recent payment change on your statement? Send me a DM or drop a comment below, I’m happy to review your lender statement with you and break down the numbers!

📞 (604) 671-6258
📧 [email protected]
🌐 loweryourrate.ca

10/11/2026

Making smart choices during the mortgage approval process saves time and reduces stress.

When you prepare to buy a home, small decisions make a big difference. Choosing the right loan features over chasing the lowest advertised rate protects your budget if your needs change. Gathering a complete set of documents at the start prevents back-and-forth requests with lenders.

Working with a mortgage broker gives you a clear checklist so you can move from pre-approval to full approval with confidence.

If you want help setting up a smooth mortgage approval, reach out anytime.

📞 (604) 671-6258
📧 [email protected]
🌐 loweryourrate.ca

Address

19141 Ford Road
Pitt Meadows, BC
V3Y2P8

Opening Hours

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

Telephone

+16046716258

Website

https://www.loweryourrate.ca/

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