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Mortgage Talk with Rob Jennings
Why Waiting to Lock In Your Variable Rate Often Backfires
I’ve watched this pattern play out dozens of times over the past year.A client calls. They have a variable rate mortgage. They’ve been watching the news. They know rates have been climbing. But…
Mortgage Broker vs Bank in St. John’s: Which Saves You More Money?
Introduction to the Mortgage Renewal Process Picture this: you've been diligently paying down your mortgage, each payment like a chisel sculpting your financial future. Then, like clockwork, the end of your mortgage term appears on the horizon, presenting you with a...
What Does a Mortgage Broker Actually Do for You?
You walk into your bank. The mortgage specialist smiles, pulls up their screen, and shows you a rate.One rate. One lender. One option.You sign because you trust your bank. You’ve been with them for…
Bank Offering Early Mortgage Renewal? Read the Fine Print First
I’ve been getting calls from clients who sound confused.Their bank called them. Six months before their renewal date. Offering to lock in a rate early.The pitch sounds helpful. “Rates might go up….
Renewal Ready: The Newfoundland Homeowner’s Mortgage Playbook
I’ve been watching something unfold in the Canadian mortgage market. Most homeowners don’t realize it’s happening.The turning point is here.After two years of anxiety about mortgage renewals and…
Variable Mortgages Rise in 2025, But Fixed Still Wins: Your Step-by-Step Guide to Choosing Wisely
I’ve watched the mortgage market shift more in the past 18 months than in the previous decade combined.The Bank of Canada dropped its benchmark rate to 2.25% from a high of 5.0% in June 2024. The…