Unify Financial
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05/13/2026
Here's one I correct all the time:
When the Bank of Canada moves its rate, fixed rates don't automatically follow. Only variable rates react to BoC decisions.
Fixed rates actually follow the 5-year Government of Canada bond yield. If that yield moves, fixed rates can shift based on their movements.
On April 24, BoC held at 2.25%, keeping Prime at 4.45%. So nothing changes for either variable or fixed clients right now.
BoC did mention that rising oil and gas prices might influence future decisions, but nothing is set in stone.
If you're unsure how your mortgage works or what rate news means for you, Unify Financial can walk you through it.
Unify Financial | Mortgage Brokers
Chilliwack, BC
604-316-3599 | [email protected]
www.unifyfinancial.ca
Most people think your credit score or your income is what makes or breaks a mortgage approval. It's actually neither.
The number lenders look at the closest is how much of your income is already spoken for. Car payments, credit cards, lines of credit, student loans.
All of that gets stacked against what you bring in each month to see if you can comfortably take on a mortgage.
The good news? This is one of the few approval factors you actually have control over. Paying down a credit card or holding off on financing that new vehicle can shift your borrowing power faster than people realize.
If you want to know where your number sits before you start looking at homes, reach out.
We'll walk through it together.
Unify Financial | Mortgage Brokers
Chilliwack, BC
604-316-3599 | [email protected]
www.unifyfinancial.ca
04/30/2026
Thinking of buying this spring? 🌱🏡
The market moves fast, and the buyers who feel the most confident are the ones who started with a plan.
That is where we come in.
You find the home. We'll handle the numbers, the lenders, and the plan that fits your life.
From the first call to keys in your hand, you'll have someone in your corner. Whether this is your first home, your second, or just exploring what is possible, you do not have to figure it out alone.
Want to start the conversation? Reach out anytime, or try our Canadian Mortgage Calculator on our website to get a quick sense of where you stand.
Unify Financial | Mortgage Brokers
Chilliwack, BC
604-316-3599 | [email protected]
www.unifyfinancial.ca
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Address
201-46126 Yale Road
Chilliwack, BC
V2R4E4
Opening Hours
| Monday | 8am - 5pm |
| Tuesday | 8am - 5pm |
| Wednesday | 8am - 5pm |
| Thursday | 8am - 5pm |
| Friday | 8am - 5pm |
