Costin Ionascu, Mortgage Broker

Costin Ionascu, Mortgage Broker Mortgage Renewal, First Time Home Buyer Mortgage, Private Lending, Mortgage Refinancing, Construction

03/12/2026

The conflict in Iran has thrown a curveball at the Bank of Canada. If you’re wondering how this affects your wallet, here’s the quick breakdown:
​🛑 The "Rate Relief" is on hold. While we were hoping for more cuts in 2026, the BoC is now expected to keep the policy rate steady at 2.25% to see how the conflict impacts the global economy.
​⛽ The Oil Effect. War often means higher gas prices. If energy costs stay high, it fuels inflation—which makes it much harder for the Bank to lower rates anytime soon.
​🏠 Fixed Rates are already moving. Even if the official rate stays the same, bond yields are jumping. This means fixed mortgage rates are already starting to tick upward.
​The Bottom Line: We’re in a "wait-and-see" period. Canada’s economy is resilient because we export energy, but your cost of living (and borrowing) might stay higher for longer.

02/12/2026

Also there's no minimum period of time that is required to keep the funds invested! Dm for more info. You could easily save up to $4000 on income tax for a $8000 contribution. Dm for more info

02/06/2026

Jokes aside, I've seen a lot and can definitely help you navigate financing for even the most complex situations.

Merry Christmas from our family to yours! Thank you for your business, referrals and partnership. Wishing you all a pros...
12/25/2025

Merry Christmas from our family to yours! Thank you for your business, referrals and partnership. Wishing you all a prosperous new year! ⛄🎄🎉

11/03/2025

Have you ever wondered whether it's cheaper to own a detached home versus a townhouse on a monthly basis? Here's a quick example where we compare two properties. The result may be surprising to some of you!

10/21/2025

Do you have a team of pros surrounding you? If not, lets get in touch because that is the most important key to helping you reach your goals in life.

10/09/2025

Don't just wish your rent was lower—see what a changing interest rate could do for a potential mortgage payment. The gap between renting and owning is shrinking! Call me, let's look at what's possible. 🏡

10/07/2025

There are a lot of moving parts to divorce-related transactions so its wise to have an experienced advisor to make this the least stressful part of the process. Confidentiality and financial planning is paramount.

Buying a home with a well and septic system? Banks want to make sure that these systems are in good working order as par...
07/16/2025

Buying a home with a well and septic system? Banks want to make sure that these systems are in good working order as part of their mortgage conditions. Here's what you NEED to know:
Well Water
* Test water quality BEFORE buying – always!
* Check well flow rate (gallons per minute) to ensure enough water.
* Inspect the pump, pressure tank, and any water treatment systems.
* Make sure the well is located safely away from potential contaminants.
Septic System
* Get a professional septic inspection – no exceptions!
* Understand the tank and drain field condition (watch for soggy spots or bad smells!).
* Ask about the system's age and last pump date.
* Know the maintenance rules (what not to flush, pumping schedule).
Well and septic systems offer independence but require specific care. Get them professionally inspected and tested to avoid costly surprises!

CMHC projects a 3.5 million home shortage by 2035. This supply crisis means housing prices aren't likely to fall, even w...
07/07/2025

CMHC projects a 3.5 million home shortage by 2035. This supply crisis means housing prices aren't likely to fall, even with interest rate changes. If you're planning to buy in the next year or two, especially in Ontario and BC, it's time to strategize. Prices have softened and we are in a buyers market but don't expect a market crash. Let's talk!

Address

Port Coquitlam, BC

Telephone

+17783888671

Website

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