Mortgages by Luisa

Mortgages by Luisa Luisa Hough is a Mortgage Broker/Agent/Lender in British Columbia (Accredited Mortgage Professional We are here to work for you, not the banks.

It is simple, when purchasing a home and need a mortgage; you can go to a local bank and accept one of their products only available to that institution. Or you can sit down with a Xeva Mortgage Team Member that has access to a wide range of lenders that will be competing for your business therefore offering a variety of products for you to choose from and the best interest rates possible. It is a

benefit to use a member of our Xeva Mortgage Team as we have access to more than 40 lenders including Canada’s largest banks, Credit unions, Trust Companies and private lenders. We give you unbiased advice and take the time to go through all your financing options. Your Xeva Mortgage Team Member will make sure you get the best mortgage available for your needs.

There is a completely different energy that comes with September, isn't there? It always feels like a second New Year.Af...
09/07/2026

There is a completely different energy that comes with September, isn't there? It always feels like a second New Year.

After months of throwing schedules out the window for beach days and summer chaos, settling back into a routine actually feels... kind of nice.

And if you put your home buying or refinancing goals on the back burner this summer, we have some good news.

This autumn is bringing some real opportunity for buyers here in the Lower Mainland!

Things are looking a lot more relaxed than the usual chaotic fall headlines.

Right now in the Fraser Valley, things have actually settled down enough that buyers can take a breath, look at properties, and map out a budget without feeling that crazy pressure to rush.

Whether you’re trying to time your next move or your mortgage renewal is looming, let’s get a game plan together so you can move forward with total clarity.

Let’s chat about what your numbers look like for the season ahead! ☕✨



GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

The final long weekend of the summer is officially here, and we are here for it! ☀️It is so hard to believe that the Sep...
09/04/2026

The final long weekend of the summer is officially here, and we are here for it! ☀️

It is so hard to believe that the September rush is already knocking on the door.

While we absolutely love the high-energy rush of the busy fall market that hits right after the holiday, we are taking the next few days to unplug, relax with our families, and enjoy the last bits of backyard sunshine.

We hope your long weekend is packed with great food, tons of laughs, and the people you love most. Have a safe and happy holiday, everyone! 🥂



GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

The Bank of Canada has held its key interest rate at 2.25%.If you were waiting anxiously for today's announcement, you'r...
09/02/2026

The Bank of Canada has held its key interest rate at 2.25%.

If you were waiting anxiously for today's announcement, you're not alone!

While there was no change to the Bank of Canada's policy rate, this can still be a great time to review your mortgage and financial goals.

Especially if you're planning a purchase, approaching a renewal, or considering a refinance.

The best time to understand your options isn't always when you're forced to make a decision.

Let's talk through your situation and create a strategy that works for where you are now and where you want to go.

Our inbox is always open. 📩



GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

Yeehaw! White Rock just got a whole lot more glamorous, and we are officially obsessed. 🤠✨If you haven’t heard the news ...
08/31/2026

Yeehaw! White Rock just got a whole lot more glamorous, and we are officially obsessed. 🤠✨

If you haven’t heard the news yet, a brand new country clothing store just opened up right here in White Rock…welcome to the neighbourhood, The Rooster Den Co.!

This woman-owned boutique is bringing bold Texas fashion with a serious Western edge straight to the Lower Mainland!

We are talking stunning hand-tooled leather purses, eye-catching jewelry, and high-impact cowgirl chic pieces that refuse to play it safe. ✨

We love seeing female entrepreneurs crush it, and Founder Stephanie has curated an absolute masterpiece of a shop.

Whether you're getting ready for a big country concert, planning a night out, or just want some "tacky-chic" flair added to your daily look, you need to go check them out!

📍 1381 George St Ste 5B, White Rock, BC V4B 4A1
or visit them online at theroosterdenco.com



GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

Unpopular opinion: Your Netflix, Spotify, and gym memberships aren’t stopping you from buying a house. But forgetting th...
08/28/2026

Unpopular opinion: Your Netflix, Spotify, and gym memberships aren’t stopping you from buying a house. But forgetting they exist might not help! 🛑

Of course we all have our streaming services, and nobody is telling you to cut out your gym time or morning coffee run!

But when lenders calculate your Debt-to-Income (DTI) ratio, those sneaky little auto-renews, like unused gym memberships and forgotten app subscriptions, can quietly chip away at your overall borrowing power.

Lenders look at the cold, hard numbers, and those small monthly subtractions add up faster than you think, especially for the ones you forgot you were paying for and don't use!

🌟 Here is your quick weekend homework: Do a fast, 5-minute audit of your bank statements. Check for any active subscriptions you haven’t actually used in the last 30 days and hit cancel. It’s an incredibly easy way to instantly clean up your financial profile before a lender takes a peek!

Before you panic and start canceling the apps you actually love, just start with canceling the ones you don't use.

We’ll look at what lenders actually care about so you can keep streaming guilt-free.

Our inbox is always open whenever you're ready to chat! ☕️



GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

There is a very specific type of panic that sets in when we pull a client's final bank statements right before closing, ...
08/26/2026

There is a very specific type of panic that sets in when we pull a client's final bank statements right before closing, only to realize they went a little too hard on a summer shopping spree.

If you are planning to buy a home or renew your mortgage in the Fraser Valley over the next few months, please consider this your official, loving public service announcement.

Here are three things you should absolutely NOT do right before or during your mortgage application:

➡️ The 'New Car' Trap: We get it. Driving through the Valley with the windows down in a brand-new truck or EV sounds amazing.

But that new $800/month car loan will instantly tank your borrowing power and could literally kill your home approval. Wait until the keys to your house are in your hand!

➡️ The Career Plot Twist: We are all for fresh starts, but switching from a stable salary to a brand-new, commission-based side hustle mid-application makes underwriters break out in hives.

If you’re planning a big career move, talk to us before you hand in your two weeks' notice.

➡️ The Mystery Cash Flow: Suddenly moving large, unexplainable lumps of cash between accounts without a paper trail looks incredibly suspicious to an audit team. Keep your bank statements boring, clean, and entirely predictable.

We live for the thrill of solving complex financial puzzles, but we’d highly prefer not to solve a self-inflicted emergency at the eleventh hour! 😉

Keep your finances beautifully boring this summer so we can get you approved without the stress.

Planning a move or renewal soon and want to make sure your files are perfectly prepped?

DM us and let's build a safe game plan together!



GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

Saving for a down payment around here can feel like a total mountain to climb, but if you’ve been putting money away int...
08/24/2026

Saving for a down payment around here can feel like a total mountain to climb, but if you’ve been putting money away into an RRSP, the government’s Home Buyers’ Plan (HBP) can help you reach the peak a lot faster.

The HBP allows first-time buyers to safely withdraw from their retirement savings to fund a down payment completely tax-free!

Here is what you actually need to know:

✨ Who qualifies: If you haven’t owned a home (or lived in one owned by a spouse) in the past four calendar years, you are eligible.

✨ The limits: You can withdraw up to $60,000 as an individual, or a massive $120,000 as a couple. Just ensure the money has been in your RRSP for at least 89 days before making the withdrawal.

✨ The payback: It is an interest-free loan from your future self. You get a 5-year grace period before repayments start, and then 15 years to pay it back into your account. The CRA tracks everything on your annual Notice of Assessment.

Using your RRSP is a smart strategy to boost your down payment, lower your total mortgage amount, and keep your monthly payments exactly where you want them. 📉

✨ Thinking about breaking into the local market this year?

📲 Get in touch with us and let's map out a plan together!

We hear it all the time: "What exactly is the mortgage stress test, and why is it shrinking my budget?"Let’s break it do...
08/21/2026

We hear it all the time: "What exactly is the mortgage stress test, and why is it shrinking my budget?"

Let’s break it down in plain language so you can plan with confidence...

The stress test is a federal rule that requires you to prove you can handle your mortgage payments at a higher interest rate than what you’ll actually pay.

Think of it like a financial safety net!

How the math actually works:
Lenders look at your application and test your finances at the greater of:

1. Your actual contract rate + 2%
2. The benchmark floor rate of 5.25%

For example, if we lock you into a 5-year fixed mortgage at 4.39%, the bank calculates your maximum affordability as if your rate were 6.39%. Even though your real payments will be much lower, this buffer ensures you won't be overextended if life or rates shift later on.

How it impacts your homebuying power:
The stress test does lower the total mortgage amount you qualify for on paper. Without it, you might qualify for a $600,000 home, but with it applied, your target budget might look closer to $500,000.

But don't panic! It doesn't mean your homeownership goals are out of reach. It just means we need to get strategic.

We can often look at:
✨ Boosting your down payment using tools like the FHSA or HBP.
✨ Aggressively paying down smaller, high-interest consumer debts.
✨ Potentially even looking into alternative lenders who have different qualification rules.

Psst... real estate insider tip: If you are just renewing your current mortgage and switching to a new lender without changing your balance or amortization, you don't even have to pass the stress test anymore!

Navigating all these rules is so much better when you don't have to do it alone.

We’re here to run the numbers, shop the options, and find a budget that actually fits your lifestyle, not just a bank's spreadsheet.

Curious what your actual, stress-tested buying power looks like right now? Get in touch with us! ☕️



GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

We love talking about fresh starts, but one of our absolute favourite "aha!" moments happens when we chat with homeowner...
08/19/2026

We love talking about fresh starts, but one of our absolute favourite "aha!" moments happens when we chat with homeowners who are 55+ and realize they are sitting on a literal goldmine…their own living room. 🏡

If you’ve lived in the Fraser Valley for a while, your home equity has likely grown beautifully.

But what good is all that equity if it’s locked up in the drywall while you’re trying to stretch your monthly cash flow?

Enter the Reverse Mortgage.

Think of it as the ultimate financial plot twist for your mid to late 50s, 60s, and beyond.

Here is why we love this tool for adding some serious freedom to your lifestyle:

✨ Tax-Free Cash, No Payments: You can unlock a chunk of your home’s value as tax-free cash, and the absolute best part? There are zero monthly mortgage payments required.

✨ Keep Your Home: You maintain full ownership of your home and get to stay exactly where you are, near your community and neighbours!

✨ Bypass the Red Tape: Unlike traditional mortgages, there is no stressful income verification and no credit score grilling. Underwriters make this one beautifully simple.

Whether you want to take a big trip, help your kids with a down payment on their first condo, or just boost your monthly fun budget, your home can fund it.

You’ve worked incredibly hard for your home, so let's make sure your home is finally working hard for you! 🤍

Curious about how a reverse mortgage actually works? Let’s chat!



GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

08/17/2026

It’s so much fun to dream about that perfect condo in White Rock or a sleek townhome in South Surrey.

But if you want to turn those late-night screenshots into a real set of keys, your very first major milestone is securing your mortgage pre-approval. 🗝️

We love educating our clients on the steps it takes to get you into your home.

If you want to stop guessing what comes next, here is what the pre-approval process looks like when we work together:

✨ Step 1: The Initial Strategy Call: Instead of walking into a single bank and hoping for the best, we connect to look at your unique goals. As independent brokers, we get to shop your application around to dozens of different lenders to find the absolute best fit for your budget. 🫱🏻‍🫲🏼

✨ Step 2: Gathering the Paperwork: To prove your financial strength to lenders, we bundle up your documents. We'll help you organize your proof of income (like pay stubs and letters), document your down payment savings (or a family gift letter), map out any existing debts, and verify your ID.

✨ Step 3: The Credit Check & Stress Test: We pull your credit report to assess your score, ideally looking for a 680 or higher to unlock the best conventional rates in Canada. From there, we run your numbers through the stress test guidelines to calculate your true, safe borrowing power. 📈

✨ Step 4: Locking in Your Rate: Once everything is verified, you receive an official pre-approval! This document states your maximum loan amount and locks in your interest rate for up to 120 days. If interest rates rise while you are out house hunting, your budget is completely protected. 🔒

✨ First-time buyers: Are you ready to stop scrolling and start planning? Send us a DM to kick off your pre-approval journey!



GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

Address

#106, 2626 Croydon Drive
Surrey, BC
V3S0S8

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm

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