Kimberly Coutts - The Mortgage Maven, Mortgage Broker

12/10/2025

The Bank of Canada held its overnight rate at 2.25% today. Inflation remains close to the 2% target, the labour market is showing signs of improvement, and economic uncertainty—especially around global trade—continues to keep the Bank cautious.

While policy is on hold for now, the Bank made it clear:
If the outlook shifts, they’re ready to respond.

As we head into 2026, staying aware of key announcement dates matters more than ever—especially if you’re planning a renewal, refinance, purchase, or pre-sale closing.

I’ve shared the full list of 2026 rate announcement dates in the post so you can stay ahead, plan proactively, and avoid surprises.

If your renewal is coming up in 2025 or 2026 and you want a personalized projection, reach out anytime.

www.ChatWithTheMortgageMaven.com

04/09/2024

Have you ever wondered what was involved with purchasing a home....other than the fact that you need down payment funds and steady stream of money to pay the mortgage?!

Thanks to carolina_issarealtor for asking me to create a simple yet effective grid to break down the costs of purchasing a $500K, $600K and $700K in today's interest rate environment.

If you're curious about your own numbers or the steps involved in making a purchase, let's connect for a complimentary Discovery Call.
www.ChatWithTheMortgageMaven.com ----> takes you straight to my calendar.

03/13/2024

What a wonderful way to spend International Women’s Day! Grateful for my community of amazing women.

03/06/2024

Thank you so much Northam Law Corporation for the feature! Melissa and team are such a valued extension of my team.

I’m grateful that they take such good care of my clients and the transition from my role to Solicitor is seamless!

Teamwork makes the dream work! 🙌🏽🙏🏽👏🏽

Experience the extraordinary journey of Kimberly, the Mortgage Maven, as she conquers the competitive landscape of mortgages. From earning prestigious awards to overcoming career challenges, immerse yourself in a story of triumph, adaptability, and empowering connections in the dynamic world of entr...

08/12/2023

It’s always a great start to the day when we’re at the Business breakfasts at the Consulate General of Ireland, Vancouver

Huge thanks to our two fantastic guest speakers Sarah Hopkins Real Estate and Kimberly Coutts - The Mortgage Maven, Mortgage Broker, who gave a really insightful talk on the property market in BC for our August Business Breakfast.

Thanks to everyone who joined us in person and online!

07/19/2023

If you’re curious about the market….we’d love to see you at the Business Breakfast!

If you or anyone you know is thinking about purchasing property in BC but don’t know where to start, make sure to grab a free 🎟️ for our August Business Breakfast: "Navigating the Property Market in BC" 📈🏘

This event will feature remarks from leading experts, Tadhg Egan - Barrister & Solicitor at Tegan Law Corporation, and Realtor with Kleaman Commercial Group (RE/MAX Crest Realty); Sarah Hopkins - Licensed Realtor with Keith Roy and Associates at RE/MAX Select Realty; and Kimberly Coutts - The Mortgage Maven, Mortgage Broker

Our Business Breakfast series also provide a great opportunity to network, including an opportunity to introduce yourself at the event! If you are new to Vancouver, the community, or seeking new opportunities, make sure to fill out that section of your order form on Eventbrite.

We look forward to seeing you all on Thursday, August 3.

Registration & info:
https://CGIrlAugBB.eventbrite.ie

07/12/2023

The Bank of Canada has hiked its overnight target rate by 25 basis points to 5%.

What this means is that the Bank of Canada Prime Rate is now 7.2%. The last time we saw a Prime Rate similar to this was in January 2001.

It's been 20+ years!

04/03/2023

5 key tips to ensure that we have the most efficient and smoothest approval possible.

1️⃣ Ensure clients have completed an application and their documents are up-to-date and sent to the Mortgage Broker
2️⃣ Send me the MLS listing so I can call the insurers and even the lenders to ensure there are no red flags. Not all lenders/insurers will lend on unique buildings. It’s my job to play matchmaker and if I can figure it out in advance that’s a bonus.
3️⃣ Pre-Approval Letters or Video’s to confirm that the client has done their due diligence.
4️⃣ Send ALL the documents together - CPS, MLS, Form B, PDS, 2 Years AGM, Strata Insurance, Depreciation Report and any special AGM Minutes
5️⃣ Last but not least, stay in close contact with the Mortgage Broker - if I know an accepted offer is on it’s way, I’ll quite often stay up late so I can have a quick strategy call/exchange with the clients and then submit the file that evening so it’s in the lenders queue first thing in the morning. The early bird gets the work. By the time the lender is in the office they have the complete application and all docs in their inbox.

01/30/2023

Was a fantastic morning with these lovely ladies! Northam Law Corporation & Diane Kunic-Grandjean!

01/19/2023

Just found out I made Top 15% of DLC Brokers of which there are more than 3700. WOOT WOOT!!!

Sending out a MASSIVE THANK YOU & HUGE LOVE to my clients and referral partners who entrusted me with their clients to assist with one of the biggest decisions that we need to make in life.

I wouldn't have achieved this without you so this recognition is really about my circle of amazing clients, referral partners, coaches, mentors, lenders and of course my hubby who is my biggest cheerleader of all!

And remember the best compliment you can give is a referral to a friend or family member.

Bring on 2023!

%mortgagebroker