I'm your local mortgage broker in the North! My official company address of the brokerage I'm signed up with is out of Burnaby but I live & work here in the Peace Region locally! I'm licenced to provide mortgage services throughout the province of BC & AB so if you live in or near Dawson Creek, Grande Prairie or live in Edmonton or Vancouver I can assist you! Shop for a home with confidence, get preapproved first!
One application, one credit check and I shop for the very best rates and terms available! I have access to over 30 lenders and mortgage rates can change daily so get your application in and have the rate held from 90-120 days!
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, Grande Prairie, Edson, Beaverlodge, Whitecourt......
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 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 or 780-518-7908 with any questions or to fill out an application over the phone. In person meetings are by appointment only because I work from my home office or work with me remotely!
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CREA: Home Sales in Canada End 2025 Quietly
The number of home sales recorded over Canadian MLS Systems declined 2.7% on a month -over-month basis in December 2025.
On an annual basis, transactions totalled 470,314 units in 2025, a decrease of 1.9% from 2024. The year was characterized by a tariff -induced flight of buyers back to the sidelines in the first quarter, followed by a decent sales rally mid -year, and a bit of a stall to finish off 2025.
There doesnt appear to have been much rhyme or reason to the month - over-month decline in home sales in December, which was simply the result of coincident but seemingly unrelated slowdowns in Vancouver, Calgary, Edmonton, and Montreal, said Shaun Cathcart, CREAs Senior Economist. For that reason, it would be prudent for market observers to resist the temptation to trace a line from the end of 2025 into 2026. Rather, we continue to expect sales to move higher again as we get closer to the spring, rejoining the upward trend that was observed throughout the spring, summer, and early fall of last year.
December Highlights:
National home sales declined 2.7% month -over-month.
Actual (not seasonally adjusted) monthly activity came in 4.5% below December 2024.
The number of newly listed properties dropped 2% on a month -over-month basis .
The MLS Home Price Index (HPI) dipped 0.3% month-over-month and was down 4% on a year-over-year basis.
The actual (not seasonally adjusted) national average sale price was virtually unchanged ( -0.1%) on a year-over-year basis.
https://www.crea.ca/media-hub/news/home-sales-in-canada-end-2025-quietly/
TD Provincial Economic Forecast: The New "R-Word"… Resilience
From TD Economics
Relative to our September projection, weve upgraded our 2025 growth forecasts across most regions, partly on the back of data revisions that showed economies entering the year with stronger momentum than expected. We continue to see PEI, AB, SK and NF as growth leaders this year, lifted by goods-producing industries. Meanwhile, QC, MB and ON are the likely laggards, weighed down by the trade war.
For 2026, we see commodity-producing provinces outperforming again, but their margin of outperformance is likely to shrink amid moderately lower commodity prices, most prominently crude oil. Meanwhile, with the trade war proving less damaging than initially feared, provinces more geared to U.S. trade like ON, MB, QC, and NB have seen upgrades to their 2026 growth forecasts.
Provincial exports have improved mildly since the peak of the trade shock in Q2-25, but limited trade-data access has clouded recent recovery trends. We assume that current tariff rates as well as the USMCA exemptions remain in place over the forecast horizon. The outcome of USMCA renegotiations is a risk to the outlook.
Job markets in most provinces have turned in a more resilient performance than we had expected in September. Downside surprises in unemployment rates have been most pronounced in ON, AB, QC, NB, and PEI. While we could see job markets stumble again over the next few months, were expecting unemployment rates to broadly peak by Q1-2026 before drifting lower thereafter.
Significant regional variations will exist as Canadas housing market continues its gradual improvement next year. Price growth is likely to lag significantly in Ontario and, to a lesser extent, B.C., reflecting loose supply/demand conditions. In contrast, Quebec and the Prairies are likely to see firmer price gains, underpinned by tight conditions, and decent affordability (in the Prairies).
Population growth is projected to continue to decelerate sharply across provinces in response to recent changes in federal immigration policy. These changes are constraining labour force growth, limiting upside in provincial jobless rates and pressuring down rents and to a lesser extent consumer spending. Provinces most exposed to these effects include ON, B.C. and QC due to their higher non-permanent resident (NPR) shares.
https://economics.td.com/provincial-economic-forecast
CMHC: 2025 Year-In-Review
From CMHC
Structural barriers continue to slow progress
Policies on funding, zoning reform and the Housing Accelerator Fund have contributed to progress on housing. However, delivery remains slow due to structural barriers like long permitting times and inconsistent zoning, even as policy momentum builds. Innovation and scaling in private and non-profit sectors are crucial to boosting productivity.
Canada must double housing starts annually by 2035 to close the supply gap. While momentum is growing, bold action and stronger coordination are needed to turn plans into results.
Canadas housing delivery system
Even with incentives, Canadas build pipeline is slow to respond. There are signs of progress in some markets like Montral and Ottawa, but system-wide barriers remain. To accelerate delivery and close the supply gap, we need faster approvals, modernized permitting, better municipal data and scalable innovation in construction. Scale remains a key challenge across much of the construction sector.
Shifts in housing starts and rental markets
Housing starts were strong early in 2025 but slowed down later in the year. Toronto and Vancouver were hit hardest, with year-over-year numbers going down. Among key reasons for the slow-down were high interest rates, labour and material shortages, developer uncertainty and the cancellation of marginal projects. Meanwhile, starts remained strong in Alberta.
2025 saw the first meaningful easing in rental conditions but affordability remains tight. Rental market indicators are moving in the right direction overall, with vacancy rates going up and rent growth slowing, showing that the market is balancing out. However, we need to consider sustaining the market and rental supply in the long term.
https://www.cmhc-schl.gc.ca/observer/2026/2025-year-in-review
