Broker Brooke

08/25/2026

Rate options as low as prime minus 1.05% (net rate of 3.40%) - contact me today to see if you qualify! 604-868-9490

Call now to connect with business.

08/17/2026

08/14/2026

04/14/2026

Hi All!⁠
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I have teamed up with my sister and her family (the Bagel Bandits) to raise funds for the Heart and Stroke Foundation this year! I will be completing my usual half marathon and the Conways will be running a 5 km!⁠
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Please join us in supporting a great cause! Link in bio!

04/13/2026

Thinking of investing in real estate?⁠
Here’s why buying property through a holding company in Canada might be a smart move:⁠
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Tax Deferral Opportunities⁠
Retain earnings in your corporation and defer personal taxes, helping you grow your investment faster.⁠
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Asset Protection⁠
Keep your real estate separate from your operating business to reduce liability risk.⁠
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Income Splitting Potential⁠
Strategic structuring may allow you to distribute income to family members in lower tax brackets (with proper planning).⁠
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Estate Planning Benefits⁠
Simplify wealth transfer and maintain control across generations.⁠
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Financing Flexibility⁠
Corporate ownership can sometimes open different lending and partnership opportunities.⁠
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Keep in mind: this strategy isn’t one-size-fits-all. Legal, tax, and lending considerations can get complex—always consult a professional before setting things up.⁠
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Curious if this strategy fits your situation? Let’s chat!

04/13/2026

Variable vs Fixed Mortgage in Canada 🇨🇦 — Why Variable might win right now⁠
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Thinking about locking in or riding it out? Here’s why a variable rate could be the smarter move in today’s economy:⁠
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Rates may be peaking⁠
Many experts believe interest rates are at or near their peak. If cuts happen, variable rates drop — fixed stays locked.⁠
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Lower penalties⁠
Breaking a variable mortgage is usually way cheaper than fixed. Flexibility = freedom.⁠
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Historically cheaper over time⁠
Variable rates have often cost less over the long run compared to fixed (even with ups and downs).⁠
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Benefit from rate cuts instantly⁠
When rates fall, your interest drops without needing to refinance.⁠
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Good for risk-tolerant borrowers⁠
If you can handle some fluctuation, the potential savings can be worth it.⁠
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But remember:⁠
Variable isn’t for everyone. If you need predictability and peace of mind, fixed might still be your best bet.⁠
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What are you choosing right now — fixed or variable?

04/11/2026

The team, The Bagel Bandits, is raising money for a great cause by participating in Servus Edmonton Marathon 2026 on August 16, 2026. They need your help to reach their team goal. Every donation gets them closer!

04/09/2026

Drowning in high-interest credit card debt?⁠
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Your home could be the solution.⁠
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By refinancing your mortgage, you may be able to consolidate those high-interest credit cards into one lower monthly payment — often at a significantly lower interest rate.⁠
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Here’s how it can help:⁠
Reduce the amount of interest you’re paying⁠
Simplify multiple payments into one⁠
Improve monthly cash flow⁠
Create a clearer path to becoming debt-free⁠
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Instead of letting credit card interest work against you, put your home equity to work for you.⁠
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Curious if this strategy makes sense for your situation? Let’s chat and explore your options.

04/09/2026

Mortgage Rate Forecast: 2026–2028⁠
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Thinking about buying, refinancing, or investing? Here’s what experts are watching over the next few years:⁠
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2026: Rates are expected to gradually ease as inflation stabilizes. We may see more consistent movement below recent highs, bringing cautious optimism back to buyers.⁠
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2027: A more balanced market could emerge. If economic growth remains steady, mortgage rates may settle into a “new normal” — not ultra-low, but more predictable.⁠
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2028: Long-term stability could take hold. With inflation under control and markets adjusted, rates may hover in a moderate range, supporting healthier housing activity.⁠
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What this means for you:⁠
• Buyers: Opportunities may improve, but timing still matters⁠
• Sellers: Demand could strengthen as affordability improves⁠
• Homeowners: Refinancing windows may reopen⁠
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Bottom line: The era of ultra-low rates may be behind us, but a more stable and manageable market is ahead.

04/08/2026

Thinking about buying a home in Canada?⁠
One of the biggest factors lenders look at is your debt servicing ratios — basically, how much of your income goes toward debt.⁠
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Here’s a quick breakdown:⁠
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Gross Debt Service (GDS) Ratio⁠
This measures how much of your income covers housing costs (mortgage, property taxes, heating, etc.).⁠
Typically should be ≤ 39%⁠
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Total Debt Service (TDS) Ratio⁠
This includes all your debts (housing + credit cards, car loans, student loans).⁠
Typically should be ≤ 44%⁠
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Why it matters:⁠
The lower your ratios, the more likely you are to qualify for a mortgage — and potentially at better rates.⁠
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Example:⁠
If you earn $6,000/month, your total debt payments should ideally stay under about $2,640.⁠
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Pro tips:⁠
• Pay down high-interest debt first⁠
• Avoid taking on new loans before applying⁠
• Increase your income (even side gigs help!)⁠
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Understanding these ratios can be the difference between approval and disappointment.⁠
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Save this if you’re planning to buy soon