Pippa Fogarty, AMP at Ideal Mortgage Solutions

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Pippa Fogarty, AMP at Ideal Mortgage Solutions

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For ALL your mortgage needs - home ownership is a reality! https://application.scarlettnetwork.com/App/IFMS/FOGARTYP/en-ca/69651

Are you:
A first time home buyer, Needing to be pre-approved
Looking to consolidate debt (gain 1 low monthly payment)
Looking to refinance (possibly to do some renovations)
Needing to renew or transfer an existing mortgage (for a better interest rate)
As an accredited mortgage professional for Ideal Mortgage Solutions, I work for you and secure you with the mortgage that is right for you. To start your hone buying journey click on the link below and begin your online mortgage application!

10/28/2026

🇨🇦🏡 BANK OF CANADA RATE UPDATE: NO NEED TO PANIC!

📢 The Bank of Canada has increased its policy rate by 0.25 percentage points, marking its first rate increase since July 2023; as it balances inflation risks, a slowing economy, and ongoing trade uncertainty.

Here’s what you need to know👇

📈 Prime Rate to Increase to 4.70%

With this announcement, the
prime rate is expected to rise to 4.70%.

💳 Have a variable-rate mortgage or line of credit?

You can expect your interest
rate to increase by 0.25%.

🏡 Is this a reason to panic Absolutely not!

While rate changes can create
uncertainty, it’s important to keep things in perspective. Variable-rate mortgages are still a valid option for many Canadians, with variable rates currently coming in significantly lower than available fixed rates in many cases.

💡 The key is finding what works best for YOU.

Every homeowner’s financial
situation is different. Your comfort with risk, budget, future plans, and mortgage terms all play a role in choosing the right option.

✨ Don’t make decisions based
on headlines alone. Stay informed, review your options, and make a plan that fits your financial goals.

% Please note; if you are on a fixed rate, the Bank of Canada rate announcements do not apply to your rate.

The next Bank of Canada announcement is on December 9th.

🤝 Have questions about variable versus fixed rates? Let’s talk!
We are here to help you understand your options and feel confident about your next move.

- Pippa Fogarty Team -
Forallyourmortgageneeds.ca

10/11/2026

🧡🍂
Happy Thanksgiving from the Pippa Fogarty Team! 🍂🧡

Whether you’re gathering around
the table, making memories at home, or enjoying the beauty of the season, we hope your Thanksgiving is filled with love, laughter, and plenty of reasons to be thankful!

From our team to your family,
wishing you a wonderful Thanksgiving filled with all the things that make a house a home. 🦃🍁

With gratitude,
The Pippa Fogarty Mortgage Team 🤍

09/29/2026

✨ A Night to Remember ✨

What an incredible evening at our Annual Awards Gala last weekend! 🥂✨
I’m truly honoured and grateful to have received the Ruby Award — a recognition that means so much to me.

A heartfelt thank you to Indi Mortgage and my amazing team for the support, encouragement, and belief in me. To my incredible industry partners, thank you for being such an important part of the journey.

And most importantly, thank you to my clients. 🏡❤️ Your trust in me to help you navigate one of life’s biggest financial decisions is something I never take for granted. Every referral, conversation, and opportunity to help people achieve their homeownership goals means the world to me.

This award is a reflection of the people I’m fortunate enough to work with every day. Here’s to continuing to serve, grow, and celebrate together! 🥂

Ruby Award ✨ Grateful. Proud. Inspired.

09/01/2026

☀️ Well… summer sure knew how to keep us on our toes!

Between mortgage approvals, paperwork, rate questions, “can we make this work?” conversations (spoiler alert: we LOVE trying 😏), and everything else life decided to throw our way… it was a BUSY one!
And it wasn’t all mortgages around here. We had some pretty big things happening with our team, too! 🥂✨

💍 Our very own Janaya got married! We absolutely loved celebrating her and watching one of our favourite team members start this exciting new chapter. 🤍
📚 And Sydney passed her mortgage exam! 🎉 We couldn’t be more proud of her and all the hard work she put in to make it happen.

Safe to say, summer gave us plenty to celebrate — and we’re feeling pretty darn grateful. ❤️
Grateful for the clients who trusted us with their biggest financial decisions.
Grateful for the referrals, the check-ins, the happy dances and the “YOU GOT APPROVED!” messages.
And grateful that we get to do what we do alongside some pretty amazing people. 🏡✨

We hope you made the most of those sunny days, late nights, BBQs, vacations, patios and all the little moments that make summer so good. ☀️🍦

But now September is here… 🍂 (sweater weather?).
Continuing with business, mortgages, and to helping make homeownership dreams happen!

To our past, current and future clients — thank you for being part of our journey. We’re so grateful for every one of you and can’t wait to see what this next season brings.

- Pippa Fogarty Team -

Forallyourmortgageneeds.ca

08/16/2026

Happy happy 6th Birthday to my Jacky Boy! 🥳🎂❤️

08/07/2026

A huge thank you to Amanda White, for holding down the fort while I was away, off and on, over the last couple of weeks! Knowing everything was in such capable hands made it so much easier to disconnect. You stepped up, kept things moving, and handled whatever came your way with a positive attitude and so much care. I really appreciate your reliability, teamwork, and willingness to jump in wherever you were needed. Thanks for being someone the team can always count on—you make a real difference! We appreciate you 💕

07/27/2026

Two lives, one love, one forever -
Mr. & Mrs. Potts ❤️

💕

07/15/2026

🏦 Bank of Canada Holds Interest Rate Steady

The Bank of Canada has kept its policy rate unchanged as it continues to monitor:

📈 Inflation
📊 Economic growth
🌎 Global trade uncertainty

What does this mean?

➡️ The Bank is taking a cautious approach while assessing how the economy responds before making any future rate changes.

➡️ For variable rate holders, and home equity lines of credit, there are no changes to rates or payments.

➡️ The prime rate remains at 4.45%

🏡 For Canadians, affordability remains a challenge. Whether you’re buying your first home or renewing your mortgage, higher borrowing costs continue to impact many households.

💬 If you’re wondering what this means for your mortgage or homeownership plans, we are here to help you navigate your options.

- Pippa Fogarty Team -

[email protected]
forallyourmortgageneeds.ca

📍 Licensed in MB and AB
🇨🇦 Coast to Coast lending

06/10/2026

📣 Grandma, did you hear? There was no change to the Bank of Canada’s policy rate?!

🏦📉 BANK OF CANADA HITS PAUSE... AGAIN

For the 5th straight announcement, the Bank of Canada has held its key interest rate. The prime rate stays at 4.45%.

While this move was expected, the big question remains: When will rates start moving again? 👀

Here’s the quick breakdown:

📊 The Economy
• Canada’s economy shrank slightly in the first quarter (-0.1%)
• Consumer spending is still growing
• Business investment remains weak
• Exports fell while imports climbed

💸 Inflation Update
• Inflation rose to 2.8% in April
• Higher oil prices are a major reason
• Food prices are still rising, but at a slower pace
• Core inflation is sitting closer to the Bank’s 2% target

🏠 Housing & Jobs
• Housing activity has slowed
• Shelter inflation continues to ease
• Employment has been mostly flat this year
• Unemployment remains around 6.6%

🌎 What’s Happening Globally?
• Ongoing conflict in the Middle East continues to impact energy prices and supply chains
• Trade uncertainty and potential new U.S. tariffs remain concerns
• Strong U.S. consumer spending and AI investment are supporting growth south of the border

💭 What Does It Mean?
The Bank believes Canada’s economy is still running below its full potential and isn’t in a rush to change rates. They’re keeping a close eye on inflation, energy prices, and global uncertainty before making their next move.

📅 Next rate announcement: July 15

❓ Have questions about how today’s rate decision could impact your mortgage, renewal, refinance, or home-buying plans? Feel free to reach out-we’re always happy to help and answer your mortgage questions.

- Pippa Fogarty Team -

[email protected]
forallyourmortgageneeds.ca

📍 Licensed in MB and AB
🇨🇦 Coast to Coast lending

05/10/2026

Today we celebrate the mothers, grandmothers, stepmoms, and every incredible woman who shows up with love, strength, and grace — in both the big moments and the quiet ones. 💐

You are the heart of the home and the force behind so many dreams. Today is yours — we hope it’s filled with all the recognition, rest, and love you deserve.

Happy Mother’s Day from all of us at the Pippa Fogarty Team 💛

Address

1525 Grant Avenue
Winnipeg, MB
R3N0M3

Website

http://forallyourmortgageneeds.ca/

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