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My Rates

6 Months 3.10%
1 Year 2.34%
2 Years 2.14%
3 Years 2.34%
4 Years 2.59%
5 Years 2.64%
7 Years 3.24%
10 Years 3.79%
*Rates subject to change and OAC
AGENT LICENSE ID
131247
Brenda Joynson Mortgage Consultant

Brenda Joynson

Mortgage Consultant


Address:
103-3550 Saanich RD, Victoria, British Columbia

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     A little bit of my advice could save you thousands and doesn't cost you a nickel!


 

     Whether you're buying a home for the first time, using the equity in your home for investment or pleasure, or your current mortgage is simply up for renewal, it is important that you are making an educated decision with professional unbiased advice.

 

     Dealing directly with large financial corporations leaves many people feeling a bit uncomfortable. It's hard to know whether a bank is giving advice to serve your best interests or their own. I work with a wide variety of Banks, credits unions and large mortgage companies and it's my job to negotiate the right mortgage. I can help you sort through the options and focus on the lender that best meets your goals. Best of all, in most cases, there is no charge for my services.


BLOG / NEWS Updates

Bank of Canada maintains overnight rate target at 1/2 per cent

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Uncertainty about the global outlook is undiminished, particularly with respect to policies in the United States. The Bank has made initial assumptions about prospective tax policies only, resulting in a modest upward revision to its US growth outlook. Overall, the global economy is strengthening largely as expected and prices of some commodities, including oil, have risen. The rapid back-up in global bond yields, partly reflecting market anticipation of US fiscal expansion, has pulled up Canadian yields relative to the OctoberMonetary Policy Report(MPR). Bearing in mind the important assumptions embedded in its forecast, the Bank projects that Canadas real GDP will grow by 2.1 per cent in both 2017 and 2018. This implies a return to full capacity around mid-2018, in line with Octobers projection. In the context of a projection that is largely unchanged, the Banks Governing Council judges that the current stance of monetary policy is still appropriate and maintains the target for the overnight rate at 1/2 per cent. Governing Council will continue to assess the impact of ongoing developments, mindful of the significant uncertainties weighing on the outlook. Source: Bank of Canada

Canadian Housing Starts Trend Declined in December

The trend measure of housing starts in Canada was 198,053 units in December compared to 200,105 in November, according to Canada Mortgage and Housing Corporation (CMHC). The trend is a six-month moving average of the monthly seasonally adjusted annual rates (SAAR) of housing starts. CMHC uses the trend measure as a complement to the monthly SAAR of housing starts to account for considerable swings in monthly estimates and obtain a more complete picture of the state of Canadas housing market. In some situations analyzing only SAAR data can be misleading, as they are largely driven by the multi-unit segment of the market which can vary significantly from one month to the next. The standalone monthly SAAR for all areas in Canada was 207,041 units in December, up from 187,273 units in November. The SAAR of urban starts increased by 11.8per cent in December to 187,621 units. Multiple urban starts increased by 13.9per cent to 120,750 units in December and single-detached urban starts increased by 8.1per cent, to 66,871 units. In December, the seasonally adjusted annual rate of urban starts increased in Ontario, Quebec and the Prairies, but decreased in British Columbia and in Atlantic Canada.

MY LENDERS

TD Bank Scotia Bank First National National Bank B2B Bank Home Trust
Bridgewater Bank MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank CFF Bank Fisgard Capital  RMG Mortgages Street Capital