Danielle McIntosh - Mortgage Planner

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Danielle McIntosh - Mortgage Planner

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Danielle McIntosh - Mortgage Planner, Mortgage brokers, 103-1245 W Broadway, Vancouver, BC.

02/22/2023

𝑻𝒆𝒔𝒕𝒊𝒎𝒐𝒏𝒊𝒂𝒍! ✨

Thank you J&M for your 5-star google review! It was pleasure working with you on your mortgage renewal🏡💰

If you have an upcoming renewal, make sure you are speaking with a mortgage professional and exploring your options. You absolutely do not need to renew with your current lender just because you have all your banking with them. In fact, I am a believer in diversifying your products amongst different institutions.

01/17/2023

𝑻𝒆𝒔𝒕𝒊𝒎𝒐𝒏𝒊𝒂𝒍 𝑻𝒖𝒆𝒔𝒅𝒂𝒚! ✨

Another amazing google review from one of my first time home buyers. Thank you Ciara, It was pleasure working with you and being apart of your first home purchase. 🏡

01/09/2023

Guess WHAT?! 🏡💰

Now is a GREAT time to buy! Not only are you getting it at a lower price point, BUT your monthly payment is roughly the same as it would’ve been if you purchased a property at the peak of the market.

Remember, just because interest rates are high right now, doesn’t mean they will be high forever. Take this opportunity to get in at a lower price point and borrow LESS.

If you’ve been waiting on the sidelines and just not sure where to start. Let’s connect! I’d be happy to educate you on the current market and where interest rates are at currently.

Creating real estate wealth does not happen over night, it is compounds over TIME. So, the sooner you get into the market the more TIME you have to create wealth. 🏡💰

Buying NOW perks
•lower prices available
•less competition
•less down payment required, due to lower home prices
•refinance once interest rates come back down

12/09/2022

ＭＯＲＴＧＡＧＥＴＩＰ

Document collection is an important part of the application process. The lender, or bank will be request a series of documents to verify your income and down payment. They will also want to review the property documents to ensure the subject property is in adequate condition.

During our initial phone call we will go over the document requirements, so you will be fully prepared once you find that perfect home. Making it a seamless process from initial phone call to funding.

Any questions?! Send me a DM, or book a call with the link in my bio.
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12/07/2022

ＢＡＮＫＯＦＣＡＮＡＤＡＡＮＮＯＵＮＣＥＭＥＮＴ

Canadas central bank increases its overnight target rate by 50 basis points, as they continue quantitative tightening. This is the banks seventh consecutive increase in 2022 and brings the policy interest rate to it’s highest since 2008. Although this rate hike was expected, most experts we’re forecasting a 0.25% increase.

The Bank stated “we are resolute in our commitment to achieving the 2% inflation target and restoring price stability for Canadians”. Given this, it is possible we could the Bank continue their quantitative tightening in early 2023.

The next Bank of Canada rate announcement will be held January 25, 2023.

Recommendations:

•If you’re currently in the market to purchase a home. Consider taking a FIXED rate for a shorter term. Ideally, 1-3 year term

•If you’re already in the market and hoping to sell & buy, review your portability options

•If you've been pre-qualified based on an adjustable-rate mortgage, or variable rate mortgage. Check with your bank or mortgage professional to see how your qualification has been impacted

•Variable rate holders with a FIXED payment - Look at increasing your payment, or making a lump sum pre-payment. This is IMPORTANT, to ensure you don't reach your trigger rate, or trigger point and you are still reducing your amortization (time required to pay off your loan)

Have questions? Let’s connect! I offer free no-obligation mortgage reviews. Check the link in my bio for more info.
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11/29/2022

𝑻𝒆𝒔𝒕𝒊𝒎𝒐𝒏𝒊𝒂𝒍 𝑻𝒖𝒆𝒔𝒅𝒂𝒚! ✨

Another outstanding testimonial from some repeat clients. Thank you C&J for your kind words. It’s always a pleasure working with you!

11/19/2022

Let’s talk MORTGAGE RENEWALS! Not sure whether should renew, transfer/switch or refinance? Read below to see the best option for you. 👇🏼

Are you carrying high interest and want to consolidate into your mortgage, or take out some extra $$$ for your home renovation project, or extend the amortization to increase your monthly cash flow? Then, 𝐑𝐄𝐅𝐈𝐍𝐀𝐍𝐂𝐈𝐍𝐆 will be your best option.

Are you looking to renew your mortgage, and don’t require any extra money or an extended amortization, but want to make sure you’re getting the BEST interest rate and pre-payment privileges? Then, 𝐓𝐑𝐀𝐍𝐒𝐅𝐄𝐑𝐑𝐈𝐍𝐆/𝐒𝐖𝐈𝐓𝐂𝐇𝐈𝐍𝐆 your mortgage to a new lender is your best option.

In some cases, your existing lender will offer competitive interest rates. If this is the case, then you should 𝐑𝐄𝐍𝐄𝐖 directly with your existing lender.

When should you start exploring your options?

• When you’re approximately 6-13 months out from your renewal date, contact your MORTGAGE BROKER. We can hold interest rates for up to 120days and if it makes sense, you can transfer or refinance your mortgage before your renewal date.

I offer FREE-no obligation mortgage reviews. We will explore your wants / needs and come up with a solution that will be best suited for your long and short term goals.
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11/11/2022

“In Flanders fields the poppies blow Between the crosses, row on row, That mark our place, and in the sky, The larks, still bravely singing, fly Scarce heard among the guns below.” – John McCrae

10/26/2022

Bank of Canada Announcement:

Canadas central bank increases its overnight target rate by 50 basis points. Although inflation has improved (slightly) we are no where near the central banks 2% target. Forecasts suggest we could see a further 0.25% hike at the next meeting in December.

Recommendations:

•If you’re currently in the market to purchase a home. Consider taking a FIXED rate for a shorter term. Ideally, 1-3 year term

•If you’re already in the market and hoping to sell & buy, review your portability options

•If you've been pre-qualified based on an adjustable-rate mortgage, or variable rate mortgage. Check with your bank or mortgage professional to see how your qualification has been impacted

•Variable rate holders with a FIXED payment - Look at increasing your payment, or making a lump sum pre-payment. This is IMPORTANT, to ensure you don't reach your trigger rate, or trigger point and you are still reducing your amortization (time required to pay off your loan)

Have questions? Let’s connect! I offer free no-obligation mortgage reviews. Check the link in my bio for more info.
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07/13/2022

ＭａｒｋｅｔＵｐｄａｔｅ

Canadas central bank increases its overnight target rate by a whopping 100 basis points. While we anticipated another aggressive increase to combat inflation, this is the largest climb since 1998 and the central bank doesn’t appear to be finished. How high will it go?! This is what we’re all wondering.

How will you be impacted by this aggressive move? See below 👇🏼

In the coming days, banks and other lenders will increase their Prime rate by 1%. If you’re a adjustable rate mortgage holder or line of credit holder, you will be impacted by this increase. Your discount to Prime won’t change, but your net rate and payment will adjust accordingly.

If you’re a variable rate holder with a static payment, your payment will remain the same, but the amount going towards principal versus interest will adjust. Be mindful that ALL variable rate mortgages have a “trigger rate” and “trigger point”. How do you find your trigger rate? Contact your mortgage professional and they should be able to provide it to you, assuming they obtained a copy of your loan agreement.

The next meeting is scheduled for September 7th, 2022 and it is very likely we will see a further increase.

Have questions? Let’s connect! I offer free no-obligation mortgage reviews. Check the link in my bio for more info.
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06/19/2022

Happy Fathers Day! 🍻♥️

I personally want to wish my Dad a happy Father’s Day. Although our DNA may be different, he is the one who raised me and helped me grow into the strong, independent and loving person that I am today. THANK YOU for all the love and support you have provided our family, we love and adore you. Have a wonderful day! 🏌️‍♂️⛳️🍻

Address

103-1245 W Broadway
Vancouver, BC
V6H1G7

Website

http://www.daniellemcintoshmortgages.ca/

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