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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

CMHC 2025 Housing Market Outlook

From CMHC Highlights Foreign trade risks and immigration changes add significant uncertainty to the outlook. We expect economic activity to be modest in 2025, picking up in 2026 and 2027. Housing starts will slow down from 2025 to 2027 mainly due to fewer condominium apartments being built but total starts will remain above their 10-year average. Rental apartment construction will remain high but may slow in 2027 as demand eases. Ground-oriented homes (detached, semi-detached, row homes) may recover slightly, especially in more affordable options like row houses. We expect housing sales and prices to rebound as lower mortgage rates and changes to mortgage rules unlock pent-up demand in the short term. In the longer term, stronger economic fundamentals will support this rebound. The recovery will be uneven, with slower progress in less affordable regions and in the condominium apartment market. Rental markets are expected to ease with higher vacancy rates slowing rent growth. Renter affordability will improve gradually, with more noticeable changes happening later in the forecast period. https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/market-reports/housing-market/housing-market-outlook?utm_medium=emailutm_source=email-e-blastutm_campaign=2025-01-housing_market_outlook_2025

Statistics Canada: Measuring unmet housing need and housing instability in households with roommates and extended family

Highlights In 2021, 1.65 million households comprised of roommates or extended family sharing living space. These households were about evenly split between those with roommates and those with extended family, each group representing about 800,000 households. One in five households with roommates or extended family members (21.7%) was living in a crowded dwelling, compared with 3.4% of other households. In contrast, households with roommates or extended family members (16.7%) were less likely to be in unaffordable housing than other households (21.5%). About 900,000 people lived with extended family without contributing to housing costs, and almost half (47.5%) of them had no income or an income of less than $30,000. Just under 400,000 people lived with non-relatives without contributing to housing costs, and over one-third (36.6%) of them were living in poverty. Estimates of the number of people in shared housing experiencing housing instability or unmet housing need varied depending on the criteria used to define these concepts. One estimate suggested that 71,000 people had several risk factors for housing instability or unmet housing need, including living with non-relatives, not contributing to housing costs, having an income of less than $30,000 or living in poverty, and residing in a crowded dwelling. Another estimate indicated that just under 1.7 million people could be experiencing housing instability or unmet housing need when defined solely by living in a crowded dwelling. https://www150.statcan.gc.ca/n1/pub/46-28-0001/2025001/article/00001-eng.htm

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