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.

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

Bank of Canada Rate Update!As widely expected, the Bank of Canada held its key interest rate steady this morning.All eye...
01/28/2026

Bank of Canada Rate Update!

As widely expected, the Bank of Canada held its key interest rate steady this morning.

All eyes now turn to the CUSMA negotiations with the U.S. and Mexico, which will play a major role in determining when - or if - the Bank makes its next move. For now, uncertainty remains the only certainty.

Important reminder:
-----Bank of Canada rate decisions impact VARIABLE (floating) mortgage rates only.
-----Fixed mortgage rates are driven by the bond market — and for insured (less than 20% down) mortgages, many are still sitting under 4%.

The real estate market is heating up — but it’s not HOT yet. This is often the best window to buy: less competition, more choice, and better negotiating power.

My advice? Don’t wait for the frenzy to return. Now is the perfect time to talk to your Mortgage Broker (PM me!), your Realtor, and your family about building your plan.

More details here on the BOC decision:

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 above 2% and core inflation falling to 2.5%, the Governin...

01/17/2026

Time for a little honesty moment! ❤️

I’ve been in the mortgage business for 23 years now (how did that happen?!), and I’ve always believed that doing good work and taking great care of people would speak for itself. Because of that, I’ve been pretty humble (okay… shy 😅) about ever asking for reviews.

But times have changed. In the age of AI searches, reviews really do matter - a lot. They help people find me, trust me, and feel confident reaching out.

So here it is… the BIG ask 🙏

If we’ve ever worked together - whether you were a client, realtor, lawyer/notary, lender BDM (yes, all of you! 😄), accountant, credit counsellor, appraiser, insurer, builder, financial planner, or any other professional who helped me make a deal come together, would you be so kind as to leave me a Google review?

You can simply click the number of stars 🌟 you feel I deserve (5 would absolutely make my day of course!) and adding a note is always appreciated - but completely optional.

Thank you for the trust, the teamwork, the referrals, and the relationships over the years. I’m incredibly grateful for the community around me and truly wouldn’t be here without you all. 💙

Janette :)

Review link (with thanks!):

Post a review to our profile on Google

01/02/2026

Hey friends 👋

Quick mortgage PSA for anyone with a renewal coming up — or who just got “that letter” from their bank…

Your bank sees a renewal as a formality. I see it as an opportunity to save you money, improve your flexibility, or restructure your mortgage to fit your life today — not five years ago.

Sometimes that means:
• negotiating a better rate
• changing your term or amortization
• pulling equity for renovations, investments, or debt cleanup
• or confirming that your bank’s offer is actually decent (and then pushing them if it’s not 😉)

And sometimes it simply means: “Yep — you’re in great shape. Sign it with confidence.”

Either way — please don’t sign anything until we’ve had a quick chat.
It’s free, no obligation, and could save you a surprising amount of money (or future regret).

If your renewal is coming up in the next 6 months — or if you’ve already received an offer — feel free to message me here or book a quick call. I’m always happy to take a look 🤍

Happy New Year — and here’s to smart financial moves in 2026 ✨

— Janette

📉 Good News on Inflation This Morning!Canada’s inflation numbers came in better than expected today, which is encouragin...
12/15/2025

📉 Good News on Inflation This Morning!

Canada’s inflation numbers came in better than expected today, which is encouraging news for homeowners and buyers.

In simple terms:

Inflation held at 2.2%, slightly lower than forecasts

Core inflation dropped to 2.8%, the lowest level in 10 months

This is the first time since March that key inflation measures are below 3%

Why this matters:
When inflation shows signs of cooling, financial markets tend to react — and they did this morning. 5-year bond yields fell, which is a positive signal for future fixed mortgage rates (not an instant change, but a step in the right direction).

A mixed picture overall:

-- Gas prices and rent increases are easing

-- Grocery prices are still climbing

-- Cell phone bills jumped as promotions slowed

Bottom line:
Today’s report supports a more stable rate environment heading into the Bank of Canada’s next decision in late January.

If you’re renewing, buying, or just keeping an eye on rates, I’m always happy to walk through what this means for your mortgage specifically. [email protected]

Federal Budget 2025 – The new federal budget just dropped, and there are some key updates that could impact homeowners, ...
11/05/2025

Federal Budget 2025 – The new federal budget just dropped, and there are some key updates that could impact homeowners, buyers, and anyone watching the housing market.

The good news: There’s a strong focus on housing supply and infrastructure with roughly $25 billion earmarked over the next five years to help get more homes built and improve affordability across Canada.

What it means:

-More focus on building than on new buyer incentives this time around.

-Large investments in infrastructure may open up new housing opportunities in smaller or growing communities.

-For homeowners, stable policy and fiscal targets could help keep rates from spiking long-term — though short-term affordability is still tight.

If you’d like to dive into the full details, I’ve attached a summary of the Federal Budget 2025: Canada Strong. I'm always happy to chat about how these changes could affect your home plans or upcoming renewals so feel free to message me here - or call 250-588-1919, anytime.

Our plan: Building Canada strong — Part of Budget 2025.

Bank of Canada cuts over 200 jobs - part of a government-wide push to rein in public spending and prepare for economic ...
11/05/2025

Bank of Canada cuts over 200 jobs - part of a government-wide push to rein in public spending and prepare for economic uncertainty driven by United States trade tensions. More below:

The move follows prime minister Mark Carney’s call for a 15% budget cut across federal agencies

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