Janet Laluk - Mortgage Broker

Janet Laluk - Mortgage Broker 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.

Steady Ground for Canadian Homeowners.The Bank of Canada policy rate announcement on September 2nd kept the key rate at ...
09/02/2026

Steady Ground for Canadian Homeowners.

The Bank of Canada policy rate announcement on September 2nd kept the key rate at 2.25 percent, offering a period of stability for home buyers and existing homeowners across the country.

If you currently hold a variable-rate mortgage, your prime rate remains unchanged, keeping your monthly payments steady.

For those planning a home purchase or refinancing in today's market, this rate hold provides a clear baseline to assess your budget.

If you want to discuss how this rate decision impacts your long-term plans, reach out anytime.

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

Understanding home financing language helps you make informed decisions when buying a property.Industry terms like closi...
08/30/2026

Understanding home financing language helps you make informed decisions when buying a property.

Industry terms like closing costs or debt ratios might seem complex, but breaking them down keeps the buying process clear.

Reviewing these definitions early sets a strong foundation for your search. Feel free to contact me if you need help navigating your home loan terms.

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

08/29/2026

Refinancing a mortgage allows homeowners to access equity built over time.

Whether you want to streamline existing debts or finance a renovation project, structuring the loan correctly matters.

Evaluating borrowing costs against your financial plans ensures it makes sense for your household.

Send a message if you want to explore your equity options.

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

Checking your credit bureau report for errors before applying for a mortgage is an effective way to improve your borrowi...
08/27/2026

Checking your credit bureau report for errors before applying for a mortgage is an effective way to improve your borrowing limits.

Inaccurate debt reporting or outdated late payments can lower your overall credit score and restrict your financing options.

Resolving these discrepancies with credit agencies early ensures your mortgage approval accurately reflects your financial health.

Connect with me to check your credit report today.

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

Before you begin browsing homes for sale, setting a firm budget is the best first step.Gathering income papers and revie...
08/26/2026

Before you begin browsing homes for sale, setting a firm budget is the best first step.

Gathering income papers and reviewing credit early prevents unexpected delays later in the buying process.

Having your finances organized gives you confidence when placing an offer.

Reach out anytime if you want guidance on this.

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

08/26/2026

Using a home equity line of credit to construct a secondary suite allows Canadian homeowners to convert property equity into regular monthly rental income.

Adding a legal basement apartment or garage suite increases your overall property value while helping cover mortgage obligations.

Reviewing your borrowing options before starting construction ensures your renovation budget remains structured and affordable.

If you want guidance on this, I can help.

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

If your mortgage renewal is coming up in Canada, you might be seeing variable rates and fixed rates move in different di...
08/25/2026

If your mortgage renewal is coming up in Canada, you might be seeing variable rates and fixed rates move in different directions.

Fixed options react to bond yields, while variable options follow central bank decisions.

Watching both trends gives you a clearer picture when planning your next step.

Send a message if you would like to review your options together.

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

If you are planning to buy a home in Canada while working for yourself, preparing your income documents early makes a si...
08/23/2026

If you are planning to buy a home in Canada while working for yourself, preparing your income documents early makes a significant difference.

Lenders review self-employed income using average net earnings from your last two years of tax filings, whereas salaried employees rely on current employment letters and recent pay stubs.

Gathering your business financial statements and notice of assessments before shopping allows you to set a realistic purchase price.

When you organize these records ahead of time, your pre-approval moves forward without unexpected delays.

If you want guidance on this, I can help.

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

Managing your credit card utilization ratio is one of the fastest ways to strengthen your mortgage approval standing.Len...
08/22/2026

Managing your credit card utilization ratio is one of the fastest ways to strengthen your mortgage approval standing.

Lenders review your credit report to see how responsibly you handle revolving credit lines.

Keeping your running balances below thirty percent of your total credit limit protects your credit score and lowers your total monthly debt ratio.

This simple step can significantly improve your borrowing power when applying for a Canadian home loan.

If you want to review your credit profile before applying, I am happy to help.

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

Investors adding residential units to their real estate portfolio need to evaluate local municipal bylaws carefully.Prop...
08/22/2026

Investors adding residential units to their real estate portfolio need to evaluate local municipal bylaws carefully.

Property appraisers assess home value using long-term residential lease rates whenever short-term rental restrictions exist in a municipality.

Relying on projected nightly booking rates instead of verified long-term lease income can lead to a lower appraisal than expected during the mortgage underwriting process.

Reviewing local zoning regulations early ensures your financing matches your overall investment strategy.

If you have questions about property appraisals, 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

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