Nanaimo & Vancouver Island Mortgage Blog
Vancouver Islands Best Choice for Brilliant Mortgage Solutions
B Lender vs Private Mortgage in BC - What's the Difference?
August 27, 2026 | Posted by: Sand Dollar Mortgages
A bank decline does not automatically mean your mortgage options have run out. For some borrowers in Nanaimo and across Vancouver Island, the next step may be an alternative lender, often called a B l ...
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Canada Housing Starts Slow: What Buyers Should Know
August 21, 2026 | Posted by: Sand Dollar Mortgages
Canada is still building a significant number of homes, but the latest housing construction numbers show that the pace of new projects is beginning to slow. For Canadians hoping to buy a home, ...
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Canada Is Building More Homes, Why Is Buying Still Hard?
August 5, 2026 | Posted by: Sand Dollar Mortgages
You may have seen headlines suggesting that Canada is building more housing. That sounds like good news for homebuyers, and in many ways it is. More homes are essential to improving housing choice ...
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Should Canadian Homebuyers Purchase Now or Wait for More Housing Supply?
July 24, 2026 | Posted by: Sand Dollar Mortgages
Canadian homebuyers are hearing two different messages. One suggests that more homes are being built and buyers should wait for additional supply. The other warns that slower construction could limit ...
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July 15-2026 - Bank of Canada maintains the policy rate at 2.25%
July 15, 2026 | Posted by: Sand Dollar Mortgages
The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. Canada's economy is showing signs of improvement. Gro ...
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2026 First-Time Buyer Mortgage Rules, What Lower Payments Could Really Mean
July 7, 2026 | Posted by: Sand Dollar Mortgages
Buying a first home in Canada is still a major financial decision. Higher home prices, mortgage qualification rules, down payment requirements, closing costs, and day-to-day affordability all matter. ...
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Renewing Soon? Why Sticky Inflation Could Affect Your Mortgage Strategy This Summer
June 22, 2026 | Posted by: Sand Dollar Mortgages
If your mortgage is coming up for renewal this year, you may be watching interest rate news more closely than usual. That makes sense. A renewal is not just paperwork from your lender, it is a cha ...
read moreJune 10, 2026 - Bank of Canada maintains the policy rate at 2.25%
June 10, 2026 | Posted by: Sand Dollar Mortgages
The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The conflict in the Middle East is now in its fourth ...
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Victoria vs Nanaimo Home Buying in 2026: How to Choose the Right Mortgage Strategy on Vancouver Island
June 8, 2026 | Posted by: Sand Dollar Mortgages
Buying a home on Vancouver Island can feel exciting, personal and a little overwhelming. A buyer looking in Victoria may be comparing condos, townhomes, higher prices, walkable neighbourhoods and tigh ...
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First-Time Buyer GST/HST Rebate, What It Means for New Home Affordability in Canada
June 4, 2026 | Posted by: Sand Dollar Mortgages
Buying a first home in Canada has not been easy. Between higher home prices, changing mortgage rates, stricter qualification standards, and the rising cost of everyday life, many first-time buyers hav ...
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