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My Rates

1 Year 6.79%
2 Years 6.14%
3 Years 5.09%
4 Years 4.94%
5 Years 4.84%
7 Years 6.09%
10 Years 6.24%
*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

BROWSE

PARTNERS

COMPLETE

THE SURVEY

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A FRIEND

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

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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