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My Rates

1 Year 2.34%
2 Years 2.14%
3 Years 2.34%
4 Years 2.59%
5 Years 2.59%
*Rates subject to change and OAC
AGENT LICENSE ID
501701
Terri Paulovich Mortgage Broker

Terri Paulovich

Mortgage Broker


Address:
#2-10208-10 Street, Dawson Creek, British Columbia

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Whether you are buying your first home or making a move to your next home I'm here to assist you with your mortgage needs.  Fast pre-approvals, personal service, same day appointments or work with me remotely! Assisting clients in Dawson Creek, Fort St John, Chetwynd, Tumbler Ridge, Mackenzie, Prince George, Terrace, Kamloops...... Peace Country Mortgages works hard for you wherever you are!

Do you need to refinance your home and use your equity? I have lenders offering amazing rates for refinancing, call me and let's chat!  OAC, terms & conditions may apply.

Sometimes life happens and you find yourself in a credit situation where you may have a high amount of debt or may be you owe CRA for back taxes.  We do have private lenders for those situations and depending on how much equity you have in your home this might be an option for you! Just call or email me for details.

If you already own a property and it's mortgage renewal time, make sure you give me a call before you sign the renewal from your current bank or lender. There is a good possibility that I can get you a better overall package when we consider term, rate, and early pay out penalties, my goal is to keep as much of your hard earned money in your pocket!  We even have lenders that will switch you for no cost.

Are you thinking of buying an investment property? I can help you with that as well!  We have lenders available that will mortgage more 'doors' than most big banks!

Mortgages, home equity/debt consolidation, refinancing, investment properties, new to Canada, mortgage plus improvements, private or 2nd mortgages - I'm here to help and answer any questions you may have!

Call me anytime 250-219-2323

Dawson Creek, Chetwynd, Tumbler Ridge, Fort St John, Hudson's Hope, Fort Nelson, Prince George, anywhere in Canada you are purchasing I'm the mortgage broker for you!


BLOG / NEWS Updates

Bank of Canada increases overnight rate target to 3/4 per cent

The Bank of Canada is raising its target for the overnight rate to 3/4 per cent. The Bank Rate is correspondingly 1 per cent and the deposit rate is 1/2 per cent. Recent data have bolstered the Banks confidence in its outlook for above-potential growth and the absorption of excess capacity in the economy. The Bank acknowledges recent softness in inflation but judges this to be temporary. Recognizing the lag between monetary policy actions and future inflation, Governing Council considers it appropriate to raise its overnight rate target at this time. The global economy continues to strengthen and growth is broadening across countries and regions. The US economy was tepid in the first quarter of 2017 but is now growing at a solid pace, underpinned by a robust labour market and stronger investment. Above-potential growth is becoming more widespread in the euro area. However, elevated geopolitical uncertainty still clouds the global outlook, particularly for trade and investment. Meanwhile, world oil prices have softened as markets work toward a new supply/demand balance. Canadas economy has been robust, fuelled by household spending. As a result, a significant amount of economic slack has been absorbed. The very strong growth of the first quarter is expected to moderate over the balance of the year, but remain above potential. Growth is broadening across industries and regions and therefore becoming more sustainable. As the adjustment to lower oil prices is largely complete, both the goods and services sectors are expanding. Household spending will likely remain solid in the months ahead, supported by rising employment and wages, but its pace is expected to slow over the projection horizon. At the same time, exports should make an increasing contribution to GDP growth. Business investment should also add to growth, a view supported by the most recent Business Outlook Survey. The Bank estimates real GDP growth will moderate further over the projection horizon, from 2.8 per cent in 2017 to 2.0 per cent in 2018 and 1.6 per cent in 2019. The output gap is now projected to close around the end of 2017, earlier than the Bank anticipated in its April Monetary Policy Report (MPR). CPI inflation has eased in recent months and the Banks three measures of core inflation all remain below 2 per cent. The factors behind soft inflation appear to be mostly temporary, including heightened food price competition, electricity rebates in Ontario, and changes in automobile pricing. As the effects of these relative price movements fade and excess capacity is absorbed, the Bank expects inflation to return to close to 2 per cent by the middle of 2018. The Bank will continue to analyze short-term inflation fluctuations to determine the extent to which it remains appropriate to look through them. Governing Council judges that the current outlook warrants todays withdrawal of some of the monetary policy stimulus in the economy. Future adjustments to the target for the overnight rate will be guided by incoming data as they inform the Banks inflation outlook, keeping in mind continued uncertainty and financial system vulnerabilities. Information note The next scheduled date for announcing the overnight rate target is September 6, 2017. The next full update of the Banks outlook for the economy and inflation, including risks to the projection, will be published in the MPR on October 25, 2017.

Canada Day

This is an opportunity to gather in our communities, from coast to coast to coast, and to proudly celebrate all we have in common. It is an opportunity to celebrate our achievements, which were born in the audacious vision and shared values of our ancestors, and which are voiced in nearly all of the languages of the world through the contribution of New Canadians. Canada Dayis a time to celebrate the heritage passed down to us through the works of our authors, poets, artists and performers. It is a time to rejoice in the discoveries of our scientific researchers, in the success of our entrepreneurs, and to commemorate our history a history in which each new chapter reveals itself to be more touching, more fascinating than the last. In this momentous year marking the 150th anniversary of Confederation, our Canada Day celebrations will be bigger than ever! There will be major celebrations in 19 Canadian cities in addition to the many festivities set to take place in various communities from coast to coast. A full weekend of activities is also on the agenda in Canadas Capital Region to celebrate Canada Day and our countrys anniversary in a spectacular way. As we look ahead, we have every reason to show our pride in being Canadian and to face the future with confidence and enthusiasm. www.canada.ca Activities across Canada Find out what activities are going on in your region and across the country: Click here for a list of activities Interactive Google Map Cickhere to view the googlemap _____________________________________________________________________________________

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