Jodie Kristian - Mortgage Specialist

11/04/2026

Getting a mortgage should feel like you have someone in your corner, not like you’re trying to figure everything out on your own.

Our job is to help you understand your options, answer the questions you didn’t know you needed to ask, and find a mortgage strategy that makes sense for your life, your goals, and your plans for the future.

From your first conversation through to closing day, we’re here to help make the process clearer and a whole lot less overwhelming.

11/02/2026

Home is so much more than an address.

It’s where routines become traditions, milestones are celebrated, and some of our favourite memories are made. Whether you’re dreaming about your first home, your next home, or simply enjoying the one you already have, there really is something special about having a place that feels like yours. 🏡

10/30/2026

A secondary suite can be more than extra space. It could also play a role in how you finance your home.

Depending on the property and lender guidelines, rental income from a secondary suite may be considered when qualifying for a mortgage. How much can be used, and how it’s calculated, can vary by lender, which makes choosing the right mortgage strategy especially important.

Whether you’re considering a basement suite, in-law suite, or another rental setup, it’s worth exploring the financing before you start making offers.

Buying a home with a secondary suite? We’ve got a mortgage for that.

10/28/2026

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.

10/26/2026

Sometimes the best things are already around us. We just need to slow down long enough to notice them. 💙

A good reminder as we head into a new week to appreciate the little wins, the people around us and the progress that might be easy to overlook.

10/23/2026

What would you choose: more room in your monthly budget, or a faster path to mortgage-free? 🏡

Depending on your mortgage, there may be ways to structure your payments and amortization around what matters most to you. A lower payment could create more monthly cash flow, while a more aggressive repayment strategy could help reduce your mortgage balance sooner and potentially save on interest over time.

There isn’t one right answer. The better option is the one that fits your budget, priorities, and longer-term plans.

That’s the point of the “What If” Mortgage Game. Sometimes changing one piece of the mortgage can change the bigger picture.

10/21/2026

Your bank may have a mortgage option for you, but that doesn’t automatically mean it’s the only option worth considering.

Mortgage professionals can compare options from multiple lenders and look beyond the advertised rate to things like penalties, prepayment privileges, portability and flexibility.

Because a great mortgage isn’t simply about getting a low rate. It’s about finding financing that works for your life today and where you may be headed next.

10/19/2026

Confidence doesn’t always mean having every answer. Sometimes it’s simply trusting yourself enough to take the next step.

Whether you're working toward a personal goal, a financial milestone or a new chapter, don't underestimate how far a little persistence and belief in yourself can take you.

10/16/2026

Your mortgage maturity date isn't necessarily the only time you can make a change.

Homeowners may consider refinancing during their mortgage term to consolidate debt, access equity, renovate, restructure payments or make other changes to their financing.

But breaking an existing mortgage can come with a prepayment penalty and other costs, so the numbers need to make sense.

Before assuming you have to wait, let’s look at what changing your mortgage now would actually cost and whether the potential benefits justify it.