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My Rates

1 Year 1.84%
2 Years 1.54%
3 Years 1.54%
4 Years 1.64%
5 Years 1.60%
7 Years 3.14%
10 Years 3.54%
*Rates subject to change and OAC
AGENT LICENSE ID
12406
BROKERAGE LICENSE ID
12406
Rachael Beemer PRINCIPAL BROKER

Rachael Beemer

PRINCIPAL BROKER


Address:
2140 Victoria Street, Stroud, Ontario, L9S 1K4

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Rachael's experience and knowledge are two key factors for clients who have switched their mortgages from their bank to My Better Mortgage™.

Her wide array of personal experiences assists her in resonating with a drastic range of circumstances. Rachael takes a personal interest in each and every client and goes above and beyond her job description to ensure that her clients are receiving the very best service and the most suitable mortgage product.

Rachael utilizes her experiences and community connections to ensure that every client's concerns are addressed and well taken care of.

Her focus is to help families become debt free and financially independent! Rachael is always available to her clients - the relationship doesn't end when your mortgage transaction closes. Rachael invests her heart into every client.  


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BLOG / NEWS Updates

BMO Survey: Rising Recession Concerns Among Canadians Sidelining Prospective Homebuyers

Half believe owning a home is less attainable than in 2024. 43% of homeowners say they could not have purchased their home without family assistance. The latest BMO Real Financial Progress Index reveals that while over two thirds (67%) of homebuyers are waiting for interest rates to drop before purchasing a home a 5% decrease from 2024 experts say many more Canadians may take a wait and see approach as concerns about the prospect of an economic recession increased from 60% to 74% from March to April 2025. Canadas housing market remained under pressure heading into the spring, with sales and prices both weakening further, said Robert Kavcic, Senior Economist, BMO Capital Markets. There is some clear underlying weakness as inventory builds and investors remain absent. Suffice it to say, homebuyers are losing confidence and motivation, especially in areas of B.C. and Southern Ontario. The BMO survey examines how concerns about the economy have influenced Canadians homebuying decisions: Revisiting Rates: Over two-thirds (67%) of prospective homeowners believe rates affect their buying decisions. Two in five (38%) Canadians are waiting for rates to drop to 3% or lower before purchasing or refinancing home. In addition, 44% admit they are unsure about the rate they would be comfortable with to move forward with buying or refinancing their home. Missed Momentum: When looking at the current housing market, 56% of prospective homeowners feel they missed their moment to buy a home. Two-thirds (66%) of Millennials feel they had missed their homebuying moment more than any other generation. Challenged Confidence: While 59% of Canadians believe homeownership is one of their greatest life aspirations, half (50%) believe owning a home is less attainable than it was 12 months ago, and two-thirds (66%) are less confident that they will own a home in their lifetime compared to five years ago. Deferred Demand: Among the 38% of homebuyers planning on purchasing a home in the near future, only 14% plan to in 2025 and a quarter (24%) plan on doing so in 2026 or later. Location, Location, Location: More than half (52%) of aspiring homebuyers would consider moving to a different province or country in order to afford buying a home. https://newsroom.bmo.com/2025-05-05-BMO-Survey-Rising-Recession-Concerns-Among-Canadians-Sidelining-Prospective-Homebuyers

CREA: Canadian Housing Demand and Prices Slide Further in March

Canadian home sales fell on a month-over-month basis once again in March 2025, as rising tariff turmoil and uncertainty is keeping home buyers on the sidelines. Sales activity recorded over Canadian MLS Systems sank 4.8% month-over-month in March 2025. Along with declines in each of the three previous months, national home sales are now down 20% from their recent high recorded last November. Up until this point, declining home sales have mostly been about tariff uncertainty. Going forward, the Canadian housing space will also have to contend with the actual economic fallout. In short order weve gone from a slam dunk rebound year to treading water at best, said Shaun Cathcart, CREAs Senior Economist. While the largest of these declines have been seen in Ontario and British Columbia, sales are down over the last few months in all but a handful of small markets across the country. On a non-seasonally adjusted basis, the overall Canadian sales total for March 2025 fell 9.3% year-over-year and was the lowest for that month since 2009. https://stats.crea.ca/en-CA/

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