Beckie Seifert - Conexus Mobile Mortgage Specialist

04/03/2026

🌿 Let’s Talk Interest Rates — And Why They Matter More Than You Think

Interest rates aren’t just numbers on a page — they shape what your mortgage costs you month‑to‑month and over the long run. With promotions popping up this spring, it’s a great time to understand how rates work and how a rate hold can protect you.

🏡 Why Interest Rates Matter

Your interest rate determines how much you pay to borrow for your home. Even a small difference can impact:

• Your monthly payment
• How fast you build equity
• Your total cost over your mortgage term

A lower rate = more room in your budget and more long‑term savings.

🔒 What’s a Rate Hold?

A rate hold locks in today’s rate for a set period while you shop or prepare for renewal.
If rates rise, you’re protected.
If they drop, you can still take advantage.
It’s peace of mind during a busy season.

📈 Why Now Matters

We’ve started to see rates inch upward again due to broader economic pressures — and that trend can impact both new buyers and anyone coming up for renewal. If a move is on your radar or your term is ending soon, securing a rate hold now is one of the smartest ways to stay ahead of rising costs.

If you’re curious what a rate hold could look like for your situation, I’m here to walk you through it with zero pressure.

📲 306.570.4344
📧 [email protected]

03/20/2026

🏡 First‑Time Buyers: There’s a New Way to Save — Up to $50,000 Back!
If you’re thinking about buying a newly built home, the Government of Canada just made things a lot more affordable. The First‑Time Home Buyers’ GST/HST Rebate is now live — and it can put thousands of dollars back in your pocket.

💡 What You Need to Know
Eligible first‑time buyers can receive a full or partial rebate of the GST/HST on new or substantially renovated homes — up to $50,000.

Builders can apply the rebate directly at closing, reducing the amount you need to bring to the table.

If your builder doesn’t credit it upfront, you can still apply directly through your CRA account or by mailing in the appropriate form (GST190 for builder‑purchased homes).

For owner‑built homes, applications are also available (GST191), as long as construction started on or after March 20, 2025.

🧭 Why This Matters for You
This rebate can significantly reduce your upfront costs — which is often the biggest hurdle for first‑time buyers. Combined with the right mortgage strategy, it can make homeownership more achievable than you might think.

🏦 Thinking About Buying Your First Home?
As a mortgage specialist, I help first‑time buyers understand all the incentives available to them — and how to structure their financing to take full advantage.

Check out the link here

The Canada Revenue Agency (CRA) is now accepting applications for the new first-time home buyers’ (FTHB) GST/HST rebate, one of the ways the Government of Canada is making homes more affordable.

03/06/2026

🏡 Thinking about buying a home? Here’s some good news.

Whether it’s your first home or your next one, you may be able to get in with as little as 5% down.

That means more people can make the move they’ve been dreaming about — without needing a huge upfront cost.

✨ Flexible
✨ Accessible
✨ A real path forward for more buyers

If homeownership has been on your mind, this might be the perfect time to take the next step.

306-570-4344
[email protected]

02/06/2026

Thinking about adding a secondary suite to your home?
Here’s why now is the perfect time to make it happen 👇

🏡 Secondary Suite Incentive Highlights

Receive financial support to help build a legal secondary suite in your home

Increase your property value while creating long‑term rental income

Great option for multigenerational living, mortgage helpers, or investment growth

💰 Extra Advantage with Conexus

We can use the projected rental income from the suite to help you qualify—even before the suite is built

This can significantly boost your borrowing power and make your plans more achievable

🔧 Build It Your Way with Purchase Plus Improvements

Access funds through multiple draws as your project progresses

Enjoy a full 12 months to complete the improvements

Flexible, stress‑free financing designed to support real renovation timelines

📎 Learn more about the Secondary Suite Incentive here:

02/03/2026

🌱 Thinking About Buying a Home This Spring? Start Now! 🏡

Pre‑spring is one of the most underrated times to start your home‑buying journey. While everyone else waits for the “busy season,” you can get ahead of the competition, explore listings with less pressure, and position yourself to move quickly when the perfect home hits the market.

If you’re hoping to make a move this year, now is the moment to:
• Get pre‑approved and understand your budget
• Explore neighbourhoods before the spring rush
• Spot early listings before demand spikes
• Plan your timeline with confidence

Fresh season, fresh opportunities. If you’re curious about what’s available or want to talk strategy, I’m always happy to help you get started 🌟

306.570.4344
[email protected]

01/30/2026

🏡 Planning a Home Renovation? Saskatchewan Homeowners Can Save on Taxes! 💰

If you’re renovating your principal residence in Saskatchewan, the Saskatchewan Home Renovation Tax Credit (HRTC) can help reduce your provincial taxes.

✅ Claim a 10.5% tax credit on eligible renovation expenses
✅ Save up to $420 per year (or up to $525 for seniors 65+)
✅ Covers common projects like kitchens, bathrooms, flooring, basements, windows, and more
✅ Applies to labour, materials, permits, and professional services

Renovation expenses must be incurred on or after October 1, 2024, and the credit is claimed on your annual tax return.

👉 Learn more about the Saskatchewan HRTC here:
🔗 https://www.saskatchewan.ca/residents/taxes-and-investments/tax-credits/home-renovation-tax-credit

💡 Good to know: There are other renovation programs available depending on your situation—such as the federal Home Accessibility Tax Credit (HATC) for seniors or individuals with disabilities, which supports renovations that improve safety and mobility in the home.

Thinking about renovating and wondering how it fits into your mortgage or financing options? Feel free to reach out—I’m happy to help! 😊

Saskatchewan homeowners may save up to $2,100 in provincial income tax by claiming a 10.5% tax credit on up to $20,000 of eligible home renovation expenses.

01/26/2026

Spring is one of the most competitive times to buy a home — but smart buyers start early.

✅ Getting pre-approved now gives you:
• A clear budget
• Stronger offers
• Faster decisions when the right home pops up

When spring listings hit the market, you’ll be ready to shop with confidence instead of scrambling.

A Conexus pre-approval comes fully underwritten meaning the only thing left to review is the home you choose!

If a spring move is on your radar, let’s get you prepared before the rush starts.

📩 Message me anytime — I’m happy to walk you through your options.

— Beckie Seifert
Mobile Mortgage Specialist | Conexus Credit Union
306.570.4344

05/07/2025

Looking at purchasing an acreage this spring? 🌸
At Conexus, we can finance up to 160 acres and outbuildings if you have 20% down or more, don’t have 20% down? Let’s chat anyways and see what we can do for you!
Let’s get you pre-approved and acreage life ready!
* some conditions apply *

04/08/2025

Choose your own adventure!

Conexus is currently offering a quick close promotional rate running until May 31, 2025.

3.89% interest rate available on term years 2-5 with our Value rate mortgage!
We are also covering up to $1,500 in switch fees during this time!

**not available on rental properties, refinance or acreages**

*The Annual Percentage Rate (APR) is the same as the interest rate displayed. Rates are subject to change without notice. Terms and conditions apply.