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My Rates

6 Months 3.14%
1 Year 2.89%
2 Years 2.54%
3 Years 3.09%
4 Years 2.99%
5 Years 2.99%
7 Years 3.79%
10 Years 4.09%
6 Months Open 6.00%
1 Year Open 3.95%
*Rates subject to change and OAC
AGENT LICENSE ID
MW-1311216
Nina McNamara Mortgage Associate

Nina McNamara

Mortgage Associate


Phone:
Address:
Box 65021, Mission Hill Plaza, St. Albert, Alberta

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What sets me apart from most is that I take the time to find out what your future financial plans are and I take into consideration your long-term goals. There’s much more involved than simply finding the lowest mortgage rates.

A mortgage is a long-term commitment that can have an impact on your long-term financial decisions. I have the tools to build you a customized mortgage plan; a unique mortgage plan that includes the features and options that you require for your specific situation.

Once I’ve built you a mortgage plan that fits your financial future and I’ve determined which type of mortgage product is best for you, I negotiate directly for you with competing lenders to get you the very best rate.

So if you are in need of obtaining a mortgage for a new purchase, re-financing, line of credit, a new build or an investment property contact me. Or if you would simply like to discuss mortgage options please do not hesitate to contact me and I can enlighten you on the products that we offer. Keystone Mortgage Corporation works with a variety of lenders whom offer products for Residential, Commercial and Agricultural purchases.

Nina McNamara


BLOG / NEWS Updates

Vancouver the main driver of the Composite in December

Vancouver the main driver of the Composite in December says Teranet and National Bank of Canada Without Vancouver, the Composite index would have declined for a fourth month in a row. The strength of Vancouver’s index is consistent with continued tight home resale market conditions. Toronto’s index declined for a fifth consecutive month, but the unsmoothed index (see note on methodology on next page) rose for a second month in a row (middle chart). Unless the unsmoothed index relapses in January, the sequence of declines in the smoothed index should then be interrupted. However this improvement is likely to prove temporary, as it might have resulted from buyers rushing to avoid the new bylaws on qualification for an uninsured mortgage (implemented in January 2018). This view is supported by the increase in Toronto home sales in November and December compared to previous months (bottom chart). Therefore, a resumption of the downward price trend early this year cannot be excluded. Please click on the link below to access the full report: 201712 TNB monthly commentary

Bank of Canada increases overnight rate target to 1 1/4 per cent

The Bank of Canada today increased its target for the overnight rate to 1 1/4 per cent. The Bank Rate is correspondingly 1 1/2 per cent and the deposit rate is 1 per cent. Recent data have been strong, inflation is close to target, and the economy is operating roughly at capacity. However, uncertainty surrounding the future of the North American Free Trade Agreement (NAFTA) is clouding the economic outlook. The global economy continues to strengthen, with growth expected to average 3 1/2 per cent over the projection horizon. Growth in advanced economies is projected to be stronger than in the Banks October Monetary Policy Report(MPR). In particular, there are signs of increasing momentum in the US economy, which will be boosted further by recent tax changes. Global commodity prices are higher, although the benefits to Canada are being diluted by wider spreads between benchmark world and Canadian oil prices. In Canada, real GDP growth is expected to slow to 2.2 per cent in 2018 and 1.6 per cent in 2019, following an estimated 3.0 per cent in 2017. Growth is expected to remain above potential through the first quarter of 2018 and then slow to a rate close to potential for the rest of the projection horizon.

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