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My Rates

1 Year 6.79%
2 Years 6.14%
3 Years 4.99%
4 Years 4.94%
5 Years 4.69%
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

BROWSE

PARTNERS

COMPLETE

THE SURVEY

REFER

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

NBC Housing Market Monitor: Home sales picked up in June following rate cut

Summary Home sales edged up 3.7% between May and June, the first increase in five months following the beginning of the monetary easing cycle by the Bank of Canada in June. On the supply side, new listings increased 1.5% from May to June, the fifth advance in six months. Active listings rose by 1.2% in June, the third consecutive month of growth and the highest level since March 2020. Meanwhile, the number of months of inventory (active listings-to-sales) decreased from 4.3 in May to 4.2 in June, a level back in line with its pre-pandemic level. Market conditions tightened slightly during the month and remained tighter than their historical average in most provinces. They were balanced in Manitoba and B.C., and softer than average in Ontario. Housing starts decreased 23.5K in June to 241.7K (seasonally adjusted and annualized), a result below the median economist forecast calling for a 254.1K print. Urban starts decreased by 23.2K (to 223.2K) on a decline in the multi-family segment (+23.9K to 180.2K) while the single-family segment was up marginally (+0.7K to 43.0). Starts decreased in Vancouver (-3.0K to 20.6K), Toronto (-19.9K to 34.3K), and Calgary (-1.0K to 22.5K), while they increased in Montreal (+6.6K to 35.0K). At the provincial level, the most pronounced decreases in total starts were registered in Ontario (-19.1K to 67.6K), Alberta (-6.0K to 42.3K), and B.C. (-5.3K to 40.8K). Meanwhile, notable increases were seen in Manitoba (+6.3K to 10.3K), Nova Scotia (+3.2K to 12.1K), and Saskatchewan (+2.8K to 4.6K). The Teranet-National Bank Composite National House Price Index remained stable from May to June, after seasonal adjustments. Five of the 11 markets in the composite index were up during the month: Winnipeg (+3.9%), Edmonton (+2.3%), Quebec City (+1.1%), Calgary (+0.1%) and Toronto (+0.1%). Conversely, prices fell in Hamilton (-2.2%), Halifax (-0.8%), Ottawa-Gatineau (-0.8%), Vancouver (-0.3%) and Montreal (-0.3%), while they remained stable in Victoria. https://www.nbc.ca/content/dam/bnc/taux-analyses/analyse-eco/logement/economic-news-resale-market.pdf

2024 CMHC Mortgage Consumer Survey

Key Takeaways for 2024 Overall, the Canadian mortgage landscape in 2024 was relatively similar to 2023. The rate of mortgages contracted in the last 18 months were stable. Renewing vs buying. Consumers renewing their mortgage increased (62% vs 58% in 2023) whereas repeat buyers and first-time buyers decreased. Significantly more mortgage consumers were impacted this year by rising interest rates (65% vs 50% in 2023). However, most consumers had strategies in place to avoid defaulting on their mortgage. It took an average of 4.2 years for consumers to save for a down payment, with 30% of buyers receiving a gift to help with the cost. While consumers continue to have concerns or uncertainty during the home buying process, the majority (79%) still believe it is a good long-term financial investment. Nearly three times as many buyers this year said high interest rates made them delay buying a home (13% vs 5% in 2023). First-time homebuyers and newcomers were the most likely to postpone. The vast majority of consumers did research before their most recent mortgage transaction, with 52% of consumers researching exclusively online, compared to just 34% in 2023. Going green. Among homeowners who did energy efficient renovations, 93% are satisfied with the results of their renovations and 68% saw savings in their energy/electricity bills. https://assets.cmhc-schl.gc.ca/sites/cmhc/professional/housing-markets-data-and-research/housing-research/surveys/mortgage-consumer-surveys/survey-results-2024/2024-cmhc-mortgage-consumer-survey-en.pdf

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