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My Rates

6 Months 5.95%
1 Year 1.84%
2 Years 1.54%
3 Years 1.54%
4 Years 1.79%
5 Years 2.04%
7 Years 2.84%
10 Years 2.79%
*Rates subject to change and OAC
AGENT LICENSE ID
501701
Terri Kettner Mortgage Broker

Terri Kettner

Mortgage Broker


Address:
Home Office, Grande Prairie, Alberta

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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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BLOG / NEWS Updates

Housing market continues to moderate in June

Statistics released today by the Canadian Real Estate Association (CREA) show national home sales were down between May and June 2021. Home sales recorded over Canadian MLS Systems fell by 8.4% month-over month in June 2021, marking the third straight monthly slowdown since activity hit an all-time record back in March. While sales are now down a cumulative 25% from their peak, and below every other month in the last year, June transactions still managed to set a record for that month. Month-over-month declines in sales activity were once again quite broad-based, with sales moderating in around 80% of all local markets, including almost all large markets across Canada. The actual (not seasonally adjusted) number of transactions in June 2021 was up 13.6% on a year-over-year basis and marked a new record for that month. While there is still a lot of activity in many housing markets across Canada, things have noticeably calmed down in the last few months, said Cliff Stevenson, Chair of CREA. There remains a shortage of supply in many parts of the country, but at least there isnt the same level of competition among buyers we were seeing a few months ago. As these conditions continue to evolve over the summer and fall, your best bet is to consult with your local REALTOR for information and guidance about buying or selling a home at this stage in the cycle, continued Stevenson.

Record rise of home prices in May

In May the TeranetNational Bank National Composite House Price IndexTM was up 2.8% from the previous month, the largest monthly rise since the index series began in 1999. It was led by four of the 11 constituent markets: Ottawa-Gatineau (4.9%), Halifax (4.3%), Hamilton (3.7%) and Toronto (3.4%). Rises were more moderate for Vancouver (2.3%), Winnipeg (2.2%), Montreal (2.2%), Victoria (2.1%), Calgary (1.4%), Quebec City (1.2%) and Edmonton (1.2%). It was a third consecutive month in which all 11 markets of the composite index were up from the month before. The May rise was consistent with the increase in number of home sales over the last several months as reported by the Canadian Real Estate Association. For a ninth straight month, the number of sale pairs entering into the 11 metropolitan indexes was higher than a year earlier. The unsmoothed composite index, seasonally adjusted, was up 2.1% in May, suggesting that the uptrend of the published (smoothed) index could continue. The May composite index was up 13.7% from a year earlier, for a 10th consecutive acceleration and the strongest 12-month gain since July 2017. The 12-month rise was led by five markets Halifax (29.9%), Hamilton (25.5%), Ottawa-Gatineau (22.8%), Montreal (17.6%) and Victoria (15.3%). Toronto matched the countrywide average at 13.7%. Lagging that average were Vancouver (11.9%), Winnipeg (10.4%), Quebec City (9.8%), Calgary (4.5%) and Edmonton (3.6%). Besides the Toronto and Hamilton indexes included in the countrywide composite, indexes exist for seven smaller urban areas of the Golden Horseshoe Barrie, Guelph, Brantford, Kitchener, St. Catharines, Oshawa and Peterborough. In May all seven were up from the previous month and from a year earlier. The 12-month gains ranged from 27.6% for Brantford to 31.4% for Barrie. Source: https://housepriceindex.ca/2021/06/may2021/

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