Janette Roch - Your Trusted Mortgage Professional

Janette Roch - Your Trusted Mortgage Professional Purchasing or Renewing? Dominion Lending Centres (DLC) is the fastest growing mortgage brokerage -company in Canada. My Service Commitment:

1. Thank you!

Mortgage guidance built on 23 years of experience - contact me for unbiased, free advice before signing anything
(because your MORTGAGE needs a good home too!)

Call or text (250) 588-1919 ------- [email protected] Having been in banking since the age of 18, and brokering for over 10 years, I've have built a substancial referral based business. No obligation conversations are available - do

n't sign anything from your Bank until you have a quick chat with me, you won't regret it! My Mission Statement:

To serve you, the consumer, as an expert facilitator through the complex mortgage origination process, using innovative financing solutions and unbiased alternative sources in order to provide the most efficient and cost-effective solution that will fit with YOUR financial goals and circumstances....NOT the Banks. To consult and educate the borrower regarding the options available through our various lenders which will in turn enable them to make an informed decision on the program that will best fit their needs

2. To facilitate all aspects of the mortgage transaction from application through closing and any communication required post-closing, minimizing any stress associated with the transaction.

3. To establish CLIENTS for LIFE by earning their trust through efficient, highly personalized service and quality advice; thereby creating “raving fans” who will return with future business, and spread the word on my behalf.

4. To protect and promote the interest of my client at all times, by handling every detail with the highest degree of confidentiality, professionalism and integrity. Your referrals are my GREATEST Compliment.

For those of you who are tracking the Bank of Canada rate announcement dates - the schedule for 2027 has just come out! ...
07/28/2026

For those of you who are tracking the Bank of Canada rate announcement dates - the schedule for 2027 has just come out! Mark your calendars..

The Bank has released its full 2027 monetary policy calendar, locking in dates now

07/15/2026

Bank of Canada Holds Rate at 2.25%

As widely expected, the Bank of Canada has left its policy rate unchanged for the sixth consecutive announcement.

For homeowners, this means:

• Variable-rate mortgages will remain unchanged for now
• HELOC and line-of-credit rates should also stay where they are
• Fixed mortgage rates may still move independently, as they are influenced more by the bond market than by the Bank of Canada’s overnight rate

The Bank continues to take a cautious, wait-and-see approach as it balances higher inflation against slower economic growth and ongoing global uncertainty.

The next Bank of Canada rate announcement is scheduled for September 2, 2026.

Whether your mortgage is renewing soon, you are considering a purchase, or you are wondering whether fixed or variable makes the most sense, this is a good time to review your options.

Feel free to contact the RochMortgage Team for a no-obligation mortgage review or renewal comparison, we'd love to work with you!

The Bank of Canada announced today that it is holding its overnight rate steady at 2.25% for the fifth consecutive meeti...
06/10/2026

The Bank of Canada announced today that it is holding its overnight rate steady at 2.25% for the fifth consecutive meeting, which means Prime rate is also expected to remain unchanged at 4.45%.

While this was expected, it reflects the continued balancing act between a softer Canadian economy, ongoing affordability challenges, and inflation pressures tied to energy costs and global uncertainty.

For homeowners and buyers, this means we likely won’t see major rate relief in the immediate future, but there is also NO strong signal that rates are headed higher right now either. Fixed rates will continue to be influenced by bond markets, while variable-rate borrowers remain in a holding pattern.

If you are renewing, buying, refinancing, or just wondering how this affects your mortgage strategy, please reach out. Even when the market feels uncertain, you do not have to navigate it alone.

The RochMortgage Team
[email protected]
Cal or text 250.588.1919

Today, the Bank of Canada once again held the policy rate at 2.25%. This is the bottom of the Bank's estimate of the neutral overnight rate, where monetary policy is neither expansionary nor contractionary. With inflation hovering at 2.8% and core inflation falling to 2.0% (as of April data), the Go...

No change from the Bank of Canada! Prime rate will therefore remain at 4.45%. Inflation is under control, but with glo...
03/18/2026

No change from the Bank of Canada! Prime rate will therefore remain at 4.45%.

Inflation is under control, but with global uncertainty and rising energy prices, we’re in a bit of a wait-and-see moment.

We’re seeing fixed rates start to inch up, while home prices are still down from their peak - which could create a really great window of opportunity for buyers.

If you’ve been thinking about making a move, or your mortgage is coming up for renewal - it’s a good time to explore your options and get a plan in place.

Here when you need us!

Janette Roch, MBI
RochMortgage Team

Today, the Bank of Canada once again held the policy rate steady at 2.25%. This is the bottom of the Bank's estimate of the neutral overnight rate, where monetary policy is neither expansionary nor contractionary. With inflation hovering just under 2% and core inflation falling to 2.3%, the Governin...

03/17/2026

Hey! Question for you - have you or anyone you know ever considered a Reverse Mortgage? Did you know this is a product I help arrange ALL of the time and my clients absolute love it??

If you have equity in your house and are struggling in ANY way with debts, making ends meet, or just wish you could go on that cruise, help the grand kids go to college / buy a house - remember - it's YOURS to spend.

Call me. No obligation. I will explain in plain language how it all plays out and give you an amortization schedule that shows how you can live your best retirement life - and STILL have PLENTY left to give as an inheritance.

Right now I have a 4.99% one year special available until the end of March - great opportunity to just try it to see if its for you or not.

We are here for you!

Janette Roch 250-588-1919
[email protected]
RochMortgage Team

How cool! I just found out I’ve been granted the Master Club Award – which means I have hit the Top 5% of all Dominion ...
02/05/2026

How cool! I just found out I’ve been granted the Master Club Award – which means I have hit the Top 5% of all Dominion Lending Centres Brokers in Canada (4,200 of us last I checked). I also received the 2025 #1 in units and volume from Bluetree Mortgages West. Honestly… I’m pretty humbled 💙

This definitely is not a “me” thing, it’s a we thing. NONE of this would be possible without my amazing team of Nicole's (I love you guys!), my clients for trusting me with such big life decisions, and my friends, family and referral partners for always having my back.

In April of this year, I’ll hit 23 years as a mortgage broker (wow time files😳) and I’m so grateful that I still get to do what I LOVE doing -- with those I genuinely care about.

Thank you ALL for being part of the journey. I've still got a lot of steam left, so call me anytime if you need me!

Janette

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Victoria, BC

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