West Coast Broker

Home
Canada
Vancouver, BC
West Coast Broker

Call Website Contact the business

Certified Mortgage Broker | Strategic Mortgage Planning Beyond the Rate| Certified Reverse Mortgage Consultant | CPCA® | EPC

As a dedicated mortgage broker serving the Lower Mainland and across Canada, I specialize in personalized mortgage solutions tailored to your needs. I help you save time, energy, and money. Proud mom of two girls, stepmom to one, and dog lover, I believe in a balanced life with daily yoga and healthy living. Contact me today for a no-obligation review of your mortgage options.

📞 778-858-9848 | 🌐 westcoastbroker.ca

11/03/2026

Variable rates rose after last week's Bank of Canada increase, while fixed rates held steady. Mortgage experts say the race between fixed and variable for the lowest 5-year cost has just shifted.

11/02/2026

A new month is a good opportunity to ask yourself whether you're still moving in the direction you want to go.

Maybe your priorities have changed. Maybe something that made sense a year ago no longer fits. Or maybe there's a goal you've been putting off because you're not quite sure where to begin.

You don't need to have every detail figured out to make a change.

Sometimes a different direction starts with one decision, one conversation or one small adjustment.

Here's to a productive November and making choices that move you closer to where you want to be.

10/30/2026

There are plenty of things that can make a mortgage feel scary.

A surprise penalty. Finding out your “great rate” came with restrictive terms. Missing a condition before closing. Discovering you didn't budget enough for closing costs.

Your credit score, however, doesn't need to be one of the mysteries.

Credit scores in Canada generally range from 300 to 900, and while a higher score can open more doors, there isn't one magic number that guarantees a mortgage approval. Lenders consider your credit history alongside your income, debts, down payment, property and the rest of your application.

The truly scary part is making a major mortgage decision without understanding the fine print.

Leave the surprises for Halloween.

10/28/2026

Mortgage planning doesn’t have to be complicated.

Introducing a secure app designed to help you plan, apply, and manage your mortgage with clarity and confidence at every step.

Simple, clear mortgage planning made easier.

Scan the QR code to get started.

10/28/2026

What does a 0.25% rate increase actually mean for your monthly payment?

Today's Bank of Canada announcement brings the overnight rate to 2.50%, with prime expected to increase to 4.70% for most lenders.

For an adjustable-rate mortgage, a 0.25% increase could mean approximately $14 more per month for every $100,000 borrowed, based on a 25-year amortization.

That works out to roughly $42 more monthly on a $300,000 balance or $70 on a $500,000 balance.

But here's what's important: not everyone's payment changes.

Existing fixed-rate mortgages are unaffected during their term, while some variable-rate mortgages maintain the same payment and adjust how much goes toward interest versus principal.

Understanding how your mortgage works is just as important as understanding the rate itself.

Have questions about how today's announcement affects you? Let's review your options.

10/27/2026

Your home is more than where you live. It’s one of your most powerful financial assets.

Stay informed and take control with insights into your home’s value, mortgage options, and ways to potentially save money over time so you can make smarter decisions for your future.

Scan the QR code to get started.

10/26/2026

A good reminder heading into the final week of October: don't take everything quite so seriously.

Plans matter. Goals matter. Being responsible matters. But so does leaving room for the things that make life interesting, spontaneous and fun.

Have a great Monday.

10/23/2026

FACT, sometimes.

If your mortgage is portable, you may be able to take the existing mortgage with you when you sell one property and purchase another. Depending on the lender and your situation, you may also be able to increase the mortgage amount and blend your existing rate with a new rate for the additional funds.

But portability isn't automatic. Timing requirements, qualification, property eligibility and the specific terms of your mortgage all matter.

If you're considering moving before your mortgage term is up, check your options before you list. Understanding the portability rules and potential penalty ahead of time can make a big difference in how you structure the move.

10/21/2026

There’s the housing market everyone is talking about, and then there’s the market that actually matters to you.

Your budget. Your neighbourhood. Your timeline. Your family. Your plans.

Headlines can tell us what's happening broadly, but they can't tell you whether this is the right time for your family to buy, sell, refinance or stay exactly where you are.

That's why I don't believe mortgage advice should start with “the market says...”

It should start with “what do you need?”

Then we build the strategy from there.

[email protected]
westcoastbroker.ca
(778) 858-9848

Address

Vancouver, BC

Telephone

+17788589848

Website

http://www.westcoastbroker.ca/, https://app.ownwell.ca/join/shannon-mayhew, https://app.canadianmortgageapp.com/app/shan

Alerts

Be the first to know and let us send you an email when West Coast Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.