Blog - Vibe Mortgage

Prime Rate Unchanged. For Now

By Scott Tremblay on April 18, 2018

It seems variable mortgage rates will be standing pat, for now, as the Bank of Canada announced today it will be keeping the target for the overnight rate as-is, at 1.25%. How this relates to your variable rate mortgage or line of credit is a consumer prime lending rate of 3.45% for most banks. The […]

Housing demand in Saskatoon should increase

By Scott Tremblay on January 8, 2018

There are some good economic signs for Saskatchewan in 2018 & 2019. Many economists expect Saskatchewan to lead the country in economic growth. Potash has seen strong demand, increasing throughout 2017 and into 2018. This has led to increasing sales and profits. This is a good sign going forward. Agriculture has been a strong point […]

Interest Rates Scaring you?

By Scott Tremblay on August 10, 2017

Interest rates scaring you? It is true that mortgage interest rates have come up over the last month. Keep in mind that this is a very small increase, and we’re still in an ultra-low rate environment. We’ve also seen increases before only to see them decrease again. But rates have risen, and we may see […]

Graduate Retention Program - First Home Plan

By Scott Tremblay on March 10, 2017

First Home Plan - Graduate Retention Program Using the post secondary graduate tax rebate in advance for the use toward down payment. The best down payment program to hit Saskatchewan in a while. Recent post secondary graduates will be thinking about the Graduate Retention Program at this time of year as they file their income […]

Own vs. Rent

By Scott Tremblay on November 10, 2016

A friend asked me the other day to give my perspective on renting vs. owning. I thought about this, and came up with many great advantages to own and a few good reasons to rent. Then I got to thinking. Who cares what I think. Everyone has their own unique plans and situation. This is […]

Canada Child Benefit to Counter new Mortgage Stress Test

By Scott Tremblay on October 26, 2016

The changes announced by the Finance Minister were put in place to ensure that home buyers can afford to hang onto their home if interest rates are higher when their mortgage matures down the road. While I feel they went a little to far on this test, it is not entirely a bad idea. Regardless […]

Child Tax Benefit - the Mortgage Broker Advantage

By Scott Tremblay on April 1, 2016

For many families, Child Tax Benefits are a very important part of monthly income that often allows one parent to stay home or work less hours. It is also a great benefit for a single parent as well. But in both cases, a lower employment income can create an issue when they are looking to […]

The Value of Having Options

By Scott Tremblay on June 10, 0201

With banks tightening up their lending guidelines, a client who gets a decline from their bank is given a very definite decline. This can be devastating. Many people don't know that they may be approved at another lender, or are frustrated and do not want to go through the process again. If I run into […]

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Saskatoon, Saskatchewan
S7K 2M5

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