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My Rates

6 Months 3.50%
1 Year 2.34%
2 Years 2.24%
3 Years 2.44%
4 Years 2.49%
5 Years 2.49%
7 Years 3.44%
10 Years 3.84%
6 Months Open 3.20%
1 Year Open 3.20%
*Rates subject to change and OAC
AGENT LICENSE ID
134200
Trish Balaberde Mortgage Broker

Trish Balaberde

Mortgage Broker


Phone:
Address:
#200 - 1505 Harvey Ave , Kelowna, British Columbia

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VERICO mortgage specialists are Canada’s Trusted Experts and will be with you through the life of your mortgage.  As your broker my goal is to help you understand and successfully finance your home.  I am not tied to any one lender and will work with you, educate you and provide independent advice on the financial options that will assist you in deciding what is right for your situation. Getting the best rate is important.  So is choosing the right term and product.  You know your goals and my knowledge and experience will provide the insight on why you will choose one lender over the other.                 

I work with several lenders (more choice means competitive rates and terms) and after consultation with you I can quickly narrow down a list of those that suit you best making the choice for you easy and convenient.   You can be assured I will negotiate on your behalf and you can count on my knowledge to secure competitive rates and terms that will benefit you.  Let me investigate to see if there is an alternative to better suit your needs.

Whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — with 16 years experience I am the VERICO Mortgage Advisor who will work with you to get the right financing from the best lender with the rate and terms best suited to you.  


BLOG / NEWS Updates

Unemployment rate unchanged in October

Following two consecutive months of growth, employment held steady in October. The unemployment rate was unchanged at 5.5%. On a year-over-year basis, employment grew by 443,000 or 2.4%, driven by gains in full-time work. Over the same period, total hours worked were up 1.3%. In October, employment increased in British Columbia and Newfoundland and Labrador, and was little changed in the other provinces. Employment was down for men in the core working ages of 25 to 54, and grew for the population aged 55 and over. Employment declined in manufacturing and construction. At the same time, employment was up in public administration and in finance, insurance, real estate, rental and leasing. The number of self-employed workers decreased, while the number of employees in the public sector increased for the second consecutive month.

Canada: Household Credit Growth Continues To Climb in September

CANADIANS BORROWING HAND OVER FIST Total Canadian household credit growth continued to accelerate in September, reaching a pace last seen in mid-2018. Despite a slight deceleration from the previous month to 4.3% at a seasonally adjusted annualized rate (m/m saar), trend growth remains at elevated levels. Both mortgage and consumer credit growth contributed to the 68 bps slowdown from the prior month (46 bps and 22 bps, respectively), but borrowing conditions remain favourable overall with trend growth still in strongly positive territory. RESIDENTIAL MORTGAGE CREDIT EXPANSION CONTINUES ITS ASCENT Residential mortgage credit growth continued on its upward trajectory in September supported by favourable borrowing conditions and strong labour markets. Mortgage loan growth accelerated by 4.9% m/m saar in September, pushing the year-on-year trend growth rate to 4.2% y/ythe fastest pace since mid-2018, marking a well-pronounced recovery in the mortgage-borrowing market. Canadas real estate market looks to be rebounding following a turbulent couple of years due to various policy announcements from 2017 to 2018 designed to cool the market. Mortgage borrowing has picked up through the second half of 2019 with the uptick in demand following a reduction in the mortgage qualifying rate in July and a decline in 5-year mortgage rates. With the Bank of Canada under pressure to continue to provide a stimulative environment following sustained levels of uncertainty, residential mortgage credit growth is expected to remain supported in the foreseeable-future. Strength in Canadian labour markets has also been conducive to a favourable borrowing environment. Septembers surge in job gains contributed to a fall in the unemployment rate to 5.5%. Source: Scotiabank

MY LENDERS

TD Bank Scotia Bank Attain Mortgage First National MCAP B2B Bank
Home Trust Merix Equitable Bank Street Capital CMLS Fisgard Capital
ICICI Bank Optimum  RMG Mortgages Bridgewater Marathon Mortgages