Jennifer Brophy - Whistler & Squamish Mortgage Broker

Jennifer Brophy - Whistler & Squamish Mortgage Broker Jennifer and the Sea to Sky Mortgage team support the Sea to Sky Corridor, Squamish, Whistler and Pem

Grateful to be recognized in the top 5% again this year, and also being voted #1 by the Pique Readers Choice Awards. Th...
02/07/2026

Grateful to be recognized in the top 5% again this year, and also being voted #1 by the Pique Readers Choice Awards. Thank you to my clients and partners for the continued trust and support.

🏡 First-Time Home Buyers: How to Boost Your Down PaymentIf you’re planning to buy a home 90+ days from now, this strateg...
01/20/2026

🏡 First-Time Home Buyers: How to Boost Your Down Payment

If you’re planning to buy a home 90+ days from now, this strategy will help you grow your down payment 👇

💡 Example: Turning $40,000 into $51,320

➡️ Bob already has an RRSP and contributes an additional $40,000
➡️ The $40K comes from $25,000 in savings plus a $15,000 early gift from his parents
➡️ Bob has enough RRSP contribution room and stays within the $60,000 per-person Home Buyers’ Plan (HBP) limit
➡️ He contributes the $40K to his RRSP and leaves it there for at least 90 days
➡️ Bob earns $100,000/year, and this contribution generates $11,320 in tax savings
➡️ A few months later, Bob withdraws the $40K tax-free under the HBP and combines it with his $11,320 tax refund

🎉 Result: A $51,320 down payment using smart tax strategy — not extra debt.

📌 Bonus:
Couples can now access up to $120,000 combined under the HBP in 2026.
This strategy can be used at any time during the year, but with the RRSP deadline for 2025 contributions approaching (March 2, 2026), using it sooner means getting your tax refund faster.

SmartMoney

🏡 First-Time Home Buyers (2026): How to Boost Your Down Payment Using Your RRSPIf you’re planning to buy a home 90+ days...
01/20/2026

🏡 First-Time Home Buyers (2026): How to Boost Your Down Payment Using Your RRSP

If you’re planning to buy a home 90+ days from now, this strategy will help you grow your down payment 👇

💡 Example: Turning $40,000 into $51,320

➡️ Bob already has an RRSP and contributes an additional $40,000
➡️ The $40K comes from $25,000 in savings plus a $15,000 early gift from his parents
➡️ Bob has enough RRSP contribution room and stays within the $60,000 per-person Home Buyers’ Plan (HBP) limit
➡️ He contributes the $40K to his RRSP and leaves it there for at least 90 days
➡️ Bob earns $100,000/year, and this contribution generates $11,320 in tax savings
➡️ A few months later, Bob withdraws the $40K tax-free under the HBP and combines it with his $11,320 tax refund

🎉 Result: A $51,320 down payment using smart tax strategy — not extra debt.

📌 Bonus:
Couples can now access up to $120,000 combined under the HBP in 2026.
This strategy can be used at any time during the year, but with the RRSP deadline for 2025 contributions approaching (March 2, 2026), using it sooner means getting your tax refund faster.

SmartMoney

🚨 Key Dates for Canadian Economic Indicators Driving 2026 Bank of Canada Rate Decisions 🇨🇦🔑 Labour Force Survey / Jobs R...
01/17/2026

🚨 Key Dates for Canadian Economic Indicators Driving 2026 Bank of Canada Rate Decisions 🇨🇦

🔑 Labour Force Survey / Jobs Report
👉 Cooling job growth or easing wage pressures could strengthen the case for rate cuts.

🔑 CPI Inflation Report
👉 Continued disinflation or inflation returning to target keeps the door open for policy easing.

📅 Mark your calendars and stay tuned for updates on these critical releases shaping the 2026 rate outlook! 📊

🚨 Key Dates for Canadian Economic Indicators Driving 2025 Bank of Canada Rate Decisions 🚨🔑 Labour Force Survey/Jobs Repo...
01/16/2025

🚨 Key Dates for Canadian Economic Indicators Driving 2025 Bank of Canada Rate Decisions 🚨

🔑 Labour Force Survey/Jobs Report:
👉 Weaker job numbers & slower wage growth = potential for lower rates.

🔑 CPI Inflation Report:
👉 Lower inflation trends = room for rate cuts.

📅 Mark your calendars and stay tuned for updates on these critical releases! 📊

I’m thrilled to share that I’ve been awarded the Diamond Award, recognizing me as one of Canada’s top 5% of Mortgage Bro...
01/13/2025

I’m thrilled to share that I’ve been awarded the Diamond Award, recognizing me as one of Canada’s top 5% of Mortgage Brokers across Canada! 🏆

This incredible milestone is only possible because of the trust and support of my amazing clients and referral partners. Helping so many first-time homebuyers achieve their dreams of homeownership in 2024 has been especially rewarding. 🏡

Here’s to more milestones, meaningful connections, and opportunities to serve you with excellence.

Thank you for being part of this journey! 🙏💼

The liberal government announced plans that will take impact on December 15th; here’s the Coles notes:➡️ The price cap f...
09/16/2024

The liberal government announced plans that will take impact on December 15th; here’s the Coles notes:

➡️ The price cap for insured mortgages will leap to $1.5 million from $1 million

➡️ All first-time insured buyers can get a 30-year amortization

➡️ All insured new-build buyers can get a 30-year amortization

🧐 Curious about deferring your property taxes? You might qualify for the Property Tax Deferral Program if:✅ You have chi...
06/12/2024

🧐 Curious about deferring your property taxes?

You might qualify for the Property Tax Deferral Program if:

✅ You have children
✅ You are 55 +
✅ You are a surviving spouse
✅ You have a disability
✅ And the property is your primary residence.

If a deferral would be helpful for your cash flow right now, click the link in my story to learn more and see if you qualify.

🎗️Property taxes are due July 2nd. ✅ Don’t forget to apply for the grant if you’re eligible. ✅ Double check if you or yo...
06/11/2024

🎗️Property taxes are due July 2nd.

✅ Don’t forget to apply for the grant if you’re eligible.

✅ Double check if you or your lender pays and make sure your account is up to date to avoid penalties

🏦 🇨🇦Here are the key release dates for the economic indicators that will lead the Bank of Canada rate decisions in 2024:...
01/08/2024

🏦 🇨🇦
Here are the key release dates for the economic indicators that will lead the Bank of Canada rate decisions in 2024:

🔑Labour Force Survey/Jobs Report:
Weaker job #’s & slower wage growth = lower rates

🔑CPI Inflation Report:
lower inflation = lower rates

Stay tuned for updates!

Are you feeling the impact of rising rates?🇨🇦The new Canadian Mortgage Charter could help. Here are the six guidelines b...
11/28/2023

Are you feeling the impact of rising rates?

🇨🇦The new Canadian Mortgage Charter could help. Here are the six guidelines banks are expected to follow to help borrowers under financial strain.


1️⃣Allow temporary extensions on the amortization period for mortgage holders.

2️⃣Waive fees and costs that would have otherwise been charged for mortgage relief measures.

3️⃣Exempt insured mortgage holders from re-qualifying under the stress test when switching lenders at the time of a mortgage renewal.

4️⃣ Require banks to reach out to homeowners four to six months in advance of their mortgage renewal to inform them of affordability options.

5️⃣ Allow borrowers to make lump sum payments to avoid negative amortization or sell their principal residence without incurring prepayment penalties.

6️⃣ Waive interest on interest when mortgage relief measures result in mortgage payments that fail to cover interest payments on a loan.

Address

106-7015 Nesters Road
Whistler, BC
V0N1B7

Telephone

+16049059790

Website

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