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My Rates

1 Year 6.24%
2 Years 5.09%
3 Years 4.59%
4 Years 4.64%
5 Years 4.44%
7 Years 5.84%
10 Years 5.89%
*Rates subject to change and OAC
AGENT LICENSE ID
143528
BROKERAGE LICENSE ID
x026191
Taryn Stemler Mortgage Specialist

Taryn Stemler

Mortgage Specialist


Phone:
Address:
2183 240th Street , Langley, British Columbia

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Helping find mortgage solutions to save you time and money.

 

Whether you’re dreaming of a new home, eyeing an investment property, or considering refinancing, rest assured you’re in expert hands. I’m here to champion your interests, not the lenders’. From the initial consultation to the final handshake, my mission is to work tirelessly for you.

 

With just one application, I’ll embark on tailoring the finest financing strategy for you, taking into account your unique circumstances and offering no-obligation, professional advice on your borrowing capacity. My role is to empower you with knowledge, allowing you to make informed decisions as I sift through an array of mortgage options from multiple lenders.

 

We’ll collaborate closely to pinpoint the most advantageous choices, and I’ll be your steadfast ally throughout the application and closing journey. It’s a comprehensive, streamlined process, and in most cases, my compensation comes from the lending institution, ensuring my services are at no cost to you.

 

Reach out for a COMPLETE mortgage solution that puts you first!


BLOG / NEWS Updates

Rates To Keep Falling (If Spending Doesn’t Rebound): Scotiabank’s Forecast Tables

From Scotiabank The Bank of Canada and Federal Reserve should cut policy rates at each meeting for the remainder of the year and well into 2025. Growth is slowing as the impact of past tightening is felt but we expect a gradual strengthening of economic activity as policy rates come down. North American central bankers seem, at this point, to have achieved a soft landing. We remain concerned about potential upside risks to household spending given high savings rates and accumulated savings, solid income growth, the massive gap between supply and demand in the housing market, and historically strong population growth. We assume a gradual improvement in spending but a larger or more rapid rebound in spending could imperil Bank of Canada cuts in mid-2025. The usual disclaimer applies: US election outcomes could lead to significant changes to this outlook. The path forward for interest rates keeps getting clearer. With inflation and growth cooling owing in part to the lagged impacts of monetary policy, central bankers in Canada and the US seem confident in their assessment that interest rates will be cut substantially in coming months. The key questioning surrounding policy rates is the speed at which rates will decline, not whether they will decline from here. Key to that assessment is a view on growth dynamics, inflation, and risks to both. Though growth is weakening in both countries, we believe economies are landing softly and will not require central banks to act in an urgent way to shore up growth. As a result, we expect a gradual pace of cuts in Canada and the US, with two more cuts in Canada this year and three cuts in the US. A multitude of risks exist and while markets and most economists appear to prioritize downside risks to the outlook and interest rates, we continue to believe there are meaningful upside risks to both. https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.global-outlook-and-forecast-tables.scotiabank%27s-forecast-tables.2024.september-10--2024.html

NBC: Bank of Canada needs to step up the pace

From National Bank of Canada Summary Some forecasters, including the Bank of Canada, had high hopes of an economic recovery and a stabilization of the unemployment rate in the second half of the year, in the wake of interest rate cuts. For several months now, we have been arguing that, although interest rates are starting to come down, monetary policy is far too restrictive for this recovery and stabilization to occur, and recent economic data bears this out. With the Canadian economy stagnating in June and July, the 2.8% growth expected in Q3 by the Bank of Canada is now virtually unattainable. As a result, GDP per capita continues its downward trend that began in 2022, illustrating the fact that the economy continues to grow below potential and that excess supply continues to increase. Not only do companies seem to have an excess of inventories, they also seem to have an excess of workers. For now, this is limited to a hiring freeze at the macro level, as evidenced by average job gains of just 6K per month over the past three months. Those trying to enter the job market - young people and newcomers - are the main victims of Canadas weak hiring climate. With widespread inflation a thing of the past in Canada, we believe the door is wide open for the Bank of Canada to return its policy rate to neutral (between 2.5% and 3.0%) as soon as possible. In the meantime, the damage to the labour market could be greater than necessary. We anticipate economic growth of just 0.9% in 2024 and 1.3% in 2025, which would translate into an unemployment rate of around 7.4% by mid-2025. https://www.nbc.ca/content/dam/bnc/taux-analyses/analyse-eco/mensuel/monthly-economic-monitor-canada.pdf

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