Jourdane Lal, Mortgage Broker

05/05/2026

Grateful 🙏🏽♥️🤗

Official 2026 Community Voting Awards Platform for Ridge Meadows, BC. Where the community votes for their favourites every year.

10/29/2025

Bank of Canada decreases Prime Lending Rate.
Most Lenders Prime Rate will now be at 4.45%

The Bank of Canada has lowered its benchmark rate by another 25 basis points, bringing it to 2.25%
Lowest since July 2022.

Officials say the move reflects ongoing economic damage from U.S. tariffs but also signalled that rates are now close to where they should be, assuming current forecasts hold.

With back-to-back cuts and signs of stabilization ahead, borrowing conditions are improving — but the window for opportunity may not stay open forever.

10/11/2025

10/08/2025

With my FREE mortgage app you can:

📲 Calculate payments instantly
📲 Track rates in real-time
📲 Estimate Closing Costs
📲 Establish minimum downpayment
ETC, ETC

Whether you’re buying, refinancing, or renewing—this app puts the tools (and me 😉) right in your pocket.

Download Today! Scan the QR code for immediate accesss.

10/06/2025

Are you Self-employed?

Getting a mortgage doesn’t have to be difficult.
Banks often struggle with fluctuating income + write-offs that a Self Employed person has but that’s where Mortgage Broker's Shine!

I am self employed and face the same challenges with my own Mortgages.

I know which lenders are flexible and how to present your file for success.

10/04/2025

When it comes to buying a home, the big question is: what matters more—location or house details? 🏡✨

Some buyers dream of the perfect kitchen or big backyard, while others prioritize being close to schools, work, or family. The truth? Both matter—but knowing which one is most important to you will help guide the right decision.

So… what’s your priority: 📍 location or 🛋️ home features?

10/03/2025

Your mortgage renewal is a chance to save money or achieve other goals—not just a formality.

3 key tips before you sign on the dotted line:

1. Shop Around – Your bank’s first offer isn’t always the best. A broker can compare multiple lenders.

2. Look at More Than the Rate – Terms, penalties & flexibility can save (or cost) you thousands.

3. Think About Your Goals – Planning renovations? Want to pay off debt? Moving soon? Your renewal is the perfect time to restructure.

Ready to renew? Let’s chat.

10/02/2025

Buying a home isn’t just about numbers—it’s about finding the right path for you and your family.

When you work with a mortgage broker like me, you get:
✔️ Access to multiple lenders, not just one bank
✔️ Expert guidance to avoid costly mistakes
✔️ Creative solutions for unique situations (self-employed, first-time buyers, etc.)
✔️ Someone in your corner, negotiating the best fit for your goals

Your mortgage is one of the biggest financial decisions of your life—don’t do it alone. 🏡💛

Contact me to talk about your options.

07/30/2025

In addition to the hundreds of social media posts circulating this morning, here is another one from me to confirm:
The Bank of Canada has held its Prime lending rate.

Many people are sharing the Bank's rate holding at 2.75% but for everyday Canadians, Prime Rate sits at 4.95% with most lenders.

Just as a friendly reminder: Prime Rate changes do NOT equate to changes with Fixed Mortgage Rates. While there can be some impact from overall data and decisions related to the Bank of Canada's decision, Fixed Mortgage Rates are impacted and influenced by daily activity in the Bond Market.

As usual, lots of moving parts when it comes to anything mortgage-related- check in with me if you need any clarity or advice.

Next Bank of Canada meeting: September 17, 2025
Full media release here:
https://www.bankofcanada.ca/2025/07/fad-press-release-2025-07-30/

05/28/2025

First-Time Home Buyers’ GST Rebate: 💸🏡🍁

To lower the upfront cost of buying a new home for young Canadians and spur the construction of new homes across the country, the government is eliminating the Goods and Services Tax (GST) for first-time home buyers on new homes up to $1 million and reducing the GST for first-time home buyers on new homes between $1 million and $1.5 million.

If you are a first-time home buyer, you may be eligible for a FTHB GST Rebate if:

you buy a new home from a builder;
you build, or hire someone else to build, a home on land you own or lease; or
you buy shares of a co-operative housing corporation

Source: canada.ca 🇨🇦