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My Rates

6 Months 3.10%
1 Year 2.64%
2 Years 2.54%
3 Years 2.84%
4 Years 2.94%
5 Years 2.99%
7 Years 3.69%
10 Years 4.09%
*Rates subject to change and OAC
Lawless Brown Mortgage Team Mortgage Professionals

Lawless Brown Mortgage Team

Mortgage Professionals


Phone:
Address:
109-3550 Saanich Road, Victoria, British Columbia

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Here to help you!

 

The mortgage process can be stressful and overwhelming; we've been there and that's why we are here for you!

 

We have offices in both Victoria and Sidney and meet with clients at whichever location is most convenient.

 

We prefer to think of ourselves as "Mortgage Managers". Not only to ease you through the process step by step but also to educate you before, during and long after the mortgage completes so that you are always able to make those informed decisions. We recognize the stress that is associated with such a major investment and we strive to keep the process running smoothly from start to finish and eliminate any surprises along the way. We look forward to helping you manage your mortgage for as long as you have one!

 

As Mortgage Managers we deal with all clients from the best credit and income to slightly bruised credit or non-verifiable income. We will get to know you, your specific situation and needs and work with you to accomplish your goals.

 

The biggest investment of your life can also be a very pleasant experience.

 

Krista & Sherri


BLOG / NEWS Updates

Canadian home sales edge up again in October

According to statistics released by The Canadian Real Estate Association (CREA), national home sales posted a modest monthly increase in October but remain below levels recorded one year ago. Newly introduced mortgage regulations mean that starting January 1st, all home buyers applying for a new mortgage will need to pass a stress test to qualify for mortgage financing, said CREA President Andrew Peck. This will likely influence some home buyers to purchase before the stress test comes into effect, especially in Canadas pricier housing markets. A professional REALTOR is your best source for information and guidance in negotiations to purchase or sell a home during these changing times. Home sales via Canadian MLS Systems edged up 0.9% in October 2017 on the heels of monthly increases in August and September, but remained almost 11% below the record set in March. National sales momentum is positive heading toward year-end, said Gregory Klump, CREAs Chief Economist. It remains to be seen whether that momentum can continue once the recently announced stress test takes effect beginning on New Years day. The stress test is designed to curtail growth in mortgage debt. If it works as intended, Canadian economic growth may slow by more than currently expected.

Tips to take charge of your finances and live within your means

(NC) Are you stressed about money? Being in control of your spending is one way of reducing stress in your life. According to Statistics Canada, most of us are burdened with high levels of household debt. Simply put, too many people are spending more than they earn. They are saving less and not saving enough for retirement. At the same time, people are living longer. Living within your means is not always easy, especially when money is tight, but it is the best way to avoid excessive debt. A heavy debt load makes you vulnerable if you lose your job, have unexpected expenses or interest rates go up on your loans. Here is how you can start: Make a budget. Having a budget that lays out sources of income and monthly expenses can help you commit to a spending plan. Know the difference between your wants and needs. Put your needs first; your wants can wait. Choose your credit card wisely. Pay off the balance in full each month so you can build a good credit history and avoid high interest charges. Think ahead to retirement. Canadians are living to an average age of 86. If you retire at 65, that could mean you are living off savings for 21 years or more. Start saving as soon as you can. Find more tips from the Financial Consumer Agency of Canada online at canada.ca/it-pays-to-know. www.newscanada.com

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