My Rates

6 Months 7.55%
1 Year 6.99%
2 Years 6.44%
3 Years 5.69%
4 Years 5.49%
5 Years 5.29%
7 Years 6.39%
10 Years 6.44%
*Rates subject to change and OAC
Tammy Austin Mortgage Consultant

Tammy Austin

Mortgage Consultant

4462G West Saanich Road, Victoria, British Columbia







I have been lucky enough to grow up in Victoria and also very fortunate to have been able to raise my 2 kids here. I was self-employed for several years, to ensure a flexible schedule and with that flexibility came a strong involvement in my community. We live in a true paradise and with our paradise comes a unique real estate market.

When deciding on a later-in-life career change, becoming a Mortgage Broker was an easy decision for me. I love everything about the real estate industry. I enjoy connecting with people and I look forward to helping you achieve your home ownership goals. Whether you are purchasing for the first time or renewing or refinancing for personal or investment reasons, helping you succeed is my goal. I have always believed that investing in our real estate market is one of the smartest financial choices that you can make and in today's market, controlling your living situation is equally important. As a Mortgage Broker, I work with various lenders and just like every person is unique, so is their financial situation. I am here to help you find the best fit for your current and future needs. I work for you and only you.

I am here to help you achieve your goals and I look forward to sitting down with you and creating a plan for your success.


BLOG / NEWS Updates

Population in Canada: A Monthly Snapshot

ON TRACK IN SOME AREAS, A BUMPY ROAD AHEAD IN OTHERS Population growth continues to surge. Mays Labour Force Survey data reported a 3.6% (S.A.A.R.) increase in the 15 year old+ population compared to April. This 97,600 increase since the release of last months report maintained the trend of robust population growth through 2024 so far, with the last three months averaging growth of 3.7% (S.A.A.R.). Compared to May of last year, Canadas 15+ population is up by almost 1.1 million. The increase in the labour force population is down by roughly half when compared to Aprils explosive growth numbers, although m/m growth of 3% (S.A.A.R.) is still significantly high, especially when compared to pre-pandemic levels. A quarter of the year recorded, a quarter of the goal reached. Canada admitted another 34,785 permanent residents among its major categories in March, totalling 121,620 admissions for the year so far, approximately 25% of the annual goal of 485,000 the federal government set for 2024. https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.canada-and-us-economics-.economic-commentary.population-growth.-june-10--2024-.html

Further Rate Cuts on the Horizon: Scotiabank’s Forecast Tables

From Scotiabank We expect the Bank of Canada to cut by 25bps at each of the next three meetings. Inflation is on a good downward path though growth in the interest rate-sensitive parts of the economy remains surprisingly strong. Positive risks to the outlook for growth and inflation remain as interest rates come down. We are particularly mindful of the response in real estate markets and household spending. Any materialization of upside risks would imperil future rate cuts. Rate cuts have finally begun in Canada. With inflation hopefully on a sustained downward path despite the interest rate-sensitive parts of our economy performing surprisingly well, it is now clear that the Bank of Canada has decided rate relief is necessary. That is great news for borrowers if the Bank of Canada follows through with additional cuts. We think they will, though we remain concerned about upside risks to inflation given rising wages and falling productivity, the surprising strength in consumption, the serial over-stimulation by the federal and provincial governments, and the potential for a housing market rebound. As a result of the latest decision and the communications around that we are changing our Bank of Canada view and now expect that Governor Macklem will cut the policy rate at each of the next three meetings, for a total of 100bps of cuts this year. https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.global-outlook-and-forecast-tables.scotiabank%27s-forecast-tables.2024.june-6--2024.html


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