MortgagebyRaman

MortgagebyRaman New Mortgage
Renewal
Refinancing
Private Mortgage

01/15/2026

📊 Bank of Canada – Rate Watch 2026

The Bank of Canada will announce its next interest rate decision on
🗓 January 28, 2026 | ⏰ 9:45 AM ET

📅 2026 Bank of Canada Rate Announcement Dates

• January 28, 2026
• March 18, 2026
• April 29, 2026
• June 10, 2026
• July 15, 2026
• September 2, 2026
• October 28, 2026
• December 9, 2026

🔍 What to Expect on January 28

Markets expect the Bank to review inflation, economic growth, and labour data closely.
Most analysts anticipate a rate hold, but the Bank’s tone and guidance will be important for mortgage rates in early 2026.

📌 Rate decisions can impact:
✔️ Variable mortgage rates
✔️ Fixed-rate outlook
✔️ Buying, renewing, or refinancing decisions

📩 Contact us to discuss how upcoming rate decisions may affect your mortgage plans.

—
Mortgage by Raman
Licensed with Benevolent Bancorp Ltd. / Crown Funding

HomeBuyersCanada MortgageByRaman

12/25/2025

🎄 Merry Christmas from Mortgage by Raman!
Thank you to all our clients for trusting us with your home financing needs.
Wishing you and your family happiness, good health, and new beginnings in the year ahead.

ThankYouClients RealEstateCanada

Canadian Home Prices (Oct 2025)BC leads again at $930k, with Ontario at $778k.If you’re planning to buy in 2026, underst...
12/03/2025

Canadian Home Prices (Oct 2025)
BC leads again at $930k, with Ontario at $778k.
If you’re planning to buy in 2026, understanding market trends is the first step.
DM me for mortgage or affordability guidance! 🏡✔️

10/29/2025

🚨 Bank of Canada Just Cut Rates! 🚨

📉 A 25 BPS drop is here — great news if you’ve got a variable-rate mortgage or HELOC.
Your rate just fell, possibly landing between 3.3% and 3.85%.

But wait… is this actually bad news for the economy? 🤔

Here’s what you need to know 👇
1️⃣ The new “neutral range” and what it means for your wallet
2️⃣ Why savers just took another hit 💸
3️⃣ Experts expect two more cuts could be coming soon 👀

10/25/2025

🏠 Canada Housing Market – Oct 2025 Update

📊 Buyer’s Markets:
🔹 Ontario
🔹 British Columbia

🔥 Seller’s Markets:
🔹 Saskatchewan
🔹 Nova Scotia
🔹 New Brunswick
🔹 Newfoundland

⚖️ Balanced Markets:
🔹 Alberta
🔹 Quebec
🔹 PEI

💬 Home buyers finally have more room to negotiate in Ontario & BC, while sellers still hold the power in the Atlantic and Prairie regions.

10/18/2025

Wishing you a bright and prosperous Diwali and Bandi Chhor Divas filled with joy, peace, and success!
– From all of us at Mortgage By Raman

10/14/2025

💰 Understanding Mortgage Types in Canada 🏡

Not all mortgages are the same — and neither are their rates! 👇

🔹 Insured Mortgage → Less than 20% down → Lowest rate 🟩
🔹 Insurable Mortgage → 20%+ down → Lower rate 🟦
🔹 Uninsurable Mortgage → Refinance or $1M+ home → Regular rate 🟨
🔹 Rental/Investment → Not owner-occupied → Higher rate 🟥

✨ The smaller the risk for the lender, the better the rate for you!

📞 Contact Mortgage by Raman to find out which mortgage type gives you the best deal.

10/09/2025

Property sold for $640,000 💥
Same unit was sold in 2022 for $833,000 😱 — a drop of $193,000 in just 3 years!

🏠 Address: 237-9458 Prince Charles Blvd, Surrey BC
⚖️ Court-ordered sale below market value

📉 Real estate can move both ways — timing matters!
📊 Thinking of buying during the dip? Let’s talk strategy.

📞 Raman – Mortgage & Tax Expert
📍 Surrey | BC | Canada

10/06/2025

What a night! 🔥
Sanjay Kapoor & Tulip Joshi brought Bollywood magic to Surrey for the Diwali Celebration 2025 🎇
Massive shoutout to Aamar Dhillon Productions for this unforgettable event at Taj Park Convention Centre! 🙌
”

Address

13588 88 Avenue #219
Surrey, BC
V3W3K8

Telephone

+12362340079

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