Nicole Hayes - BC Mortgage Expert

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Nicole Hayes - BC Mortgage Expert With over a decade growing my knowledge and experience, I help design the best mortgage strategy for my clients.

I recently met a Mom who is navigating separation and was told she would have to sell the family home. She doesn't.Her b...
09/02/2026

I recently met a Mom who is navigating separation and was told she would have to sell the family home. She doesn't.

Her bank wouldn't count her child support because she hadn't been receiving it long enough. That one policy took her from approved to declined.

What her bank overlooked: a strong salary and a lot of equity in the home she already owns. We used both, and she qualified for a mortgage over $1 million at a great rate, with no lender fees. She'll buy out her ex and can stay put with her kids.

She is absolutely delighted, and we can all imagine why.

Separation is already hard enough without also being told to sell the one place that still feels stable. If your bank says no, that is one lender's rulebook, not the whole market.

If you know someone facing a separation who wants to understand their options before selling, send them my way.

Nicole Hayes | 604-562-5055 | [email protected]

Thank you - I appreciate you for helping me show my gratitude over so many years.
10/10/2025

Thank you - I appreciate you for helping me show my gratitude over so many years.

A+ rates for A+ educators. 👏 Contact me to learn how RFA rewards teachers with exclusive discounts and cashback!Nicole H...
08/29/2025

A+ rates for A+ educators. 👏 Contact me to learn how RFA rewards teachers with exclusive discounts and cashback!
Nicole Hayes - Mortgage Expert
📞 604-562-5055
📩 [email protected]
🌐 www.bcmortgageexpert.com

🌸 Spring is bringing more than just flowers — it’s also bringing momentum and key shifts in the Canadian housing market!...
05/21/2025

🌸 Spring is bringing more than just flowers — it’s also bringing momentum and key shifts in the Canadian housing market!

Here’s what housing experts and economists are forecasting:

🔹 Home construction slowed over the past year, especially in multi-unit starts — but activity is expected to rebound in late 2025 and into 2026, driven by housing policy incentives and strong immigration.
🔹 Home prices are projected to rise by another 5% or more in 2025, with further growth expected into 2026 as borrowing costs ease and demand strengthens.
🔹 Renters, take note: demand is still outpacing supply. Canada’s rental vacancy rate remains near record lows, and rents are expected to climb steadily through 2025.

👉 What does this mean if you’re buying, selling, or investing?

It means having a strategic plan is more important than ever — and I’m here to help you build it.

Ready to make your next move with confidence? Let’s connect.

Nicole Hayes - Mortgage Expert
📞 604-562-5055
📩 [email protected]
🌐 www.bcmortgageexpert.com

Are you making the most of your home's potential? Get free monthly updates on your home's value, uncover ways to reduce ...
03/07/2025

Are you making the most of your home's potential? Get free monthly updates on your home's value, uncover ways to reduce mortgage interest, assess your purchasing power for upgrades, track your home equity for renovations or investments, and monitor your mortgage progress—all in one place. Take charge of your homeownership journey today!

🔗 https://app.ownwell.ca/join/nicolehayes

This morning, the Bank of Canada announced a 0.25% reduction in its benchmark interest rate, bringing it down to 3%. Thi...
01/29/2025

This morning, the Bank of Canada announced a 0.25% reduction in its benchmark interest rate, bringing it down to 3%. This move aims to bolster economic growth amid potential challenges from international trade tensions.

For homeowners and prospective buyers, this rate cut could mean more favorable mortgage rates. It's an opportune time to assess your mortgage options or consider entering the housing market.

As a dedicated mortgage broker, I'm here to help you navigate these changes and find the best financing solutions tailored to your needs. Feel free to reach out with any questions or to explore how this rate adjustment impacts your homeownership goals.



Nicole Hayes - Mortgage Expert
📞 604-562-5055
📩 [email protected]
🌐 www.bcmortgageexpert.com

Ready to leap into homeownership like… 🏃‍♂️💨Hold up! Don’t miss the key steps that make the journey smoother and stress-...
11/22/2024

Ready to leap into homeownership like… 🏃‍♂️💨

Hold up! Don’t miss the key steps that make the journey smoother and stress-free.

If you could skip one step in the home-buying process, which would it be? Let me know below! 👇



Nicole Hayes - Mortgage Expert
📞 604-562-5055
📩 [email protected]
🌐 www.bcmortgageexpert.com

Big News for First-Time Homebuyers in Canada! 🏡Exciting updates are here to make homeownership more accessible:🔹 30-Year...
11/20/2024

Big News for First-Time Homebuyers in Canada! 🏡

Exciting updates are here to make homeownership more accessible:

🔹 30-Year Amortizations
First-time buyers can now opt for 30-year amortizations! This means lower monthly payments, giving you more room in your budget to achieve your homeownership dreams. (New construction is eligible for 30 year amortization for all buyers)

🔹 Higher Insured Mortgage Cap
As of December 15, 2024, the insured mortgage limit will rise from $1M to $1.5M, reflecting today’s housing market. This change allows buyers with less than 20% down to qualify for higher-priced homes.

🔹 Simpler Renewals
The new Canadian Mortgage Charter lets you switch lenders at renewal without requalifying through another stress test. This makes it easier to shop for better rates when it’s time to renew.

These reforms are part of a bold plan to address the housing shortage, build nearly 4 million new homes, and make homeownership achievable for more Canadians.

Thinking of buying your first home? Let’s chat! I’d love to help you navigate these new opportunities.

Nicole Hayes - Mortgage Expert
📞 604-562-5055
📩 [email protected]
🌐 www.bcmortgageexpert.com

10/02/2024

With gratitude I start Tuesday mornings with a group of local business leaders - learning and sharing to support one another and our clients.

Address

242/255 Newport Drive
Port Moody, BC
V3H5H1

Telephone

+16045625055

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