Lysa Dixon- Mortgage Specialist

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Canada
Vancouver, BC
Lysa Dixon- Mortgage Specialist

I live, breath and dream mortgages! I also know how important the RIGHT mortgage is to your financia As a Mortgage Specialist, I work for you, not the banks.

Whether you are a first time home owner, a seasoned real estate investor, or just simply curious, it can always be helpful to have a Mortgage Specialist working for you. My goal is to help you achieve YOUR goals- buy your first home, pay off the mortgage faster, pay down debt, free up equity for investment, get that renovation you've always wanted, or build your dream home. More importantly, I know that my customers ARE my business!

09/18/2025

🏡 What does yesterday’s Bank of Canada rate decision mean for home buyers?

➡️ The cut only affects variable-rate mortgages (your payment or amortization changes when the prime rate moves).
➡️ Fixed rates aren’t directly impacted—they move more with the bond market.

For a $599,000 home with the minimum down payment-
📉 A lower variable rate = lower monthly payments + more buying power.

✨ And speaking of homes- Sandra Ens - Vancouver Real Estate is hosting an Open House tonight at 5pm. Perfect timing to see what today’s market could mean for you! https://sandraens.com/featured/101-2910-ontario-street-vancouver-bc-v5t-2y6/

09/17/2025

📢 Bank of Canada Rate Announcement

The Bank of Canada has lowered its key interest rate by 0.25% to 2.50%.

✅ Variable rate mortgages will see immediate benefits, as lower rates reduce interest costs.
✅ Fixed rate mortgages remain unchanged for now, but lower bond yields could bring more competitive fixed options in the weeks ahead.

💭 Deciding between fixed and variable depends on your long-term plans, risk tolerance, and cash flow comfort.

If your mortgage is coming up for renewal—or you’re considering a new purchase—now is the time to review your options. I’d be happy to help you navigate today’s market and find the right fit.

05/03/2025

🏡✨ Cohousing Open House Day! Sunday May 4 ✨🏡
This is a quick conversation I had with realtor Sandra Ens - Vancouver Real Estate about a few things to look for when buying into a cohousing community, and- most importantly, we bust some common myths and misconceptions.
👉 Spoiler alert: Cohousing is NOT a title or ownership structure—it’s a way of living. Whether it’s strata, condo, or freehold, leasehold, cohousing is about community, connection, and shared values.
💬 Thinking about exploring a cohousing community? We’d love to help guide you.

https://cohousing.ca/event/national-cohousing-open-house-day/

https://www.eventbrite.com/e/open-house-at-little-mountain-cohousing-tickets-1317600401269?aff=oddtdtcreator&utm_campaign=LMC+Open+House+for+National+Cohousing+Week+-+May+4th%21&utm_medium=email&utm_source=newsletter

05/01/2025

🌸 Happy May 1st, Vancouver! The cherry blossoms are fading, the patios are buzzing, and if homeownership’s on your mind, you’re not alone. 🏙️

Mortgage rates have started to level out, making it a great time to explore your options—especially if that one-bedroom-plus-den is calling your name.

Whether you're tired of renting or just ready for in-suite laundry and a place to put your bike that isn’t your living room, we’re here to help.

💬 Let’s chat about how you can own a piece of Vancouver—without losing your sense of humour.

04/17/2025

🏦💬 Interest rates stayed put — so what does that mean for you?�I joined realtor Sandra for a quick chat about yesterday’s Bank of Canada rate announcement and what it means for mortgages and lines of credit.
If you're wondering:�
🔹 Should I refinance now?�
🔹 Is my HELOC rate changing?�
🔹 If I am up for renewal, what are my next steps?
Watch the video and drop your questions in the comments!�Do you think the next move will be a cut — or another hold?
Sandra Ens - Vancouver Real Estate

01/29/2025

📉 Big News: Bank of Canada Cuts Interest Rates! 💰

The Bank of Canada has just announced a rate decrease, making borrowing cheaper for some Canadians. Whether you're looking to buy a home, finance a big purchase, or pay down debt, this rate cut could mean savings for you! 🏡💳

So, what does this mean for you?

Lower mortgage rates: If you have a variable-rate mortgage or are looking to refinance, you might see some relief.
Cheaper loans & credit: Personal loans and credit cards might get more affordable, so it’s a good time to consider your financial plans.
Potential boost for the economy: Lower rates often encourage spending and investment, which could help keep the economy moving.

What are you thinking—will this change how you approach your finances in 2025? Drop your thoughts below! 👇

01/22/2025

🇨🇦 Is Your Mortgage Renewal Coming Up? Here’s What You Need to Know! 🏡✨
Like many Canadians, you might have your mortgage coming up for renewal in the next year or so. Wondering what steps to take and what to consider? 🤔 Let’s break it down:
🔑 Steps to Take:�1️⃣ Start Early: Don’t wait until the last minute—begin reviewing your options 4-6 months before your renewal date.�2️⃣ Evaluate Your Goals: Do you want lower monthly payments, faster repayment, or flexibility for future changes?�3️⃣ Work with a Mortgage Broker: Brokers do the heavy lifting by comparing multiple lenders, negotiating on your behalf, and helping you make informed decisions.
📋 Things to Consider:�
✔️ Current Rates: Mortgage rates may have changed since you last signed—explore what’s available.�
✔️ Your Financial Situation: Has your income, expenses, or credit score changed? These factors can impact your options.�
✔️ Expert Advice: A mortgage broker’s expertise can save you time and money, ensuring you secure the best deal tailored to your needs.
Your mortgage renewal is an opportunity to rethink and reset—don’t miss out on the chance to save! 💡
💬 Thinking about your options? Give me a call and we can chat- let’s make the most of your renewal!

01/21/2025

💰🏡 BC Mortgage Market Update - January 2025
The mortgage market in British Columbia is evolving! Here’s what you need to know to stay ahead:
📉 Mortgage Rates:
Fixed Rates: Mostly holding steady, with a bit of yo-yo-ing over the last week or so.
Variable Rates: Still offering flexibility, but with some caution as the Bank of Canada keeps a close eye on inflation. Will there be another rate decrease on Jan 29?
💼 Borrower Trends:
Many homeowners are exploring refinancing options to consolidate debt or tap into equity.
First-time buyers are increasingly turning to variable-rate mortgages for lower initial payments.
🏠 Pre-Qualification is Key:
Understanding what you qualify for before starting your home search is critical in today’s market. A quick pre-qualification can help you know your budget and give you confidence while shopping.
💡 Tip for Homeowners:�Did you get a new mortgage in the last 2-3 years? It might be time for a mortgage check up- do you still have the best mortgage for you?
Now’s the time to review your mortgage strategy. Questions? Let’s chat! 💬

09/15/2024

Join us Friday, September 13th, 2024 for Episode 19 of the Pursuit:365 Podcast - Real Estate and Finance Fridays, with your host, Shelly Smee.

This week we speak with Lysa Dixon, a Licensed Mortgage Professional based in the lower mainland. Lysa offers knowledgeable and impartial advice based on her many years of experience as a mortgage professional. Different financial institutions and lenders offer a wide range of mortgage rates, terms and conditions. Lysa can simplify this process for you and find the mortgage that best suits your needs. When she is not ‘mortgaging’, she can usually be found chasing her dogs through the forest, knitting up a storm, or hanging out in the common house with a glass of wine and her cohousing neighbours.

09/04/2024

Another rate cut
Call me if you want to discuss!

07/16/2024

With one Bank of Canada rate cut down and more anticipated, I’m having more clients inquire about variable/adjustable rate mortgages,
Is now the time to consider? Here's what you need to know:
Fixed Rate: Offers stability and predictable payments, great for peace of mind.
Variable Rate/Adjustable Rate: If you have a variable rate mortgage, your payments will fluctuate with prime- so you could see your payments go down if the Bank of Canada continues to drop the over night lending rate. With an adjustable rate mortgage, the payment doesn’t change, but the amount going towards principal will go up or down. If the Bank of Canada drops the overnight lending rate, you may end up putting more towards the principal.

Considering the current economic climate, exploring variable or adjustable rates could be strategic. The next rate announcement in July 24, 2024.
Ready to discuss your options? Let's chat!

Address

1111 West Georgia Street #1810
Vancouver, BC
V6E4M3

Website

http://www.lysadixon.com/

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