Janette Roch - Your Trusted Mortgage Professional

How cool! I just found out I’ve been granted the Master Club Award – which means I have hit the Top 5% of all Dominion Lending Centres Brokers in Canada (4,200 of us last I checked). I also received the 2025 #1 in units and volume from Bluetree Mortgages West. Honestly… I’m pretty humbled 💙

This definitely is not a “me” thing, it’s a we thing. NONE of this would be possible without my amazing team of Nicole's (I love you guys!), my clients for trusting me with such big life decisions, and my friends, family and referral partners for always having my back.

In April of this year, I’ll hit 23 years as a mortgage broker (wow time files😳) and I’m so grateful that I still get to do what I LOVE doing -- with those I genuinely care about.

Thank you ALL for being part of the journey. I've still got a lot of steam left, so call me anytime if you need me!

Janette

Bank of Canada Rate Update!

As widely expected, the Bank of Canada held its key interest rate steady this morning.

All eyes now turn to the CUSMA negotiations with the U.S. and Mexico, which will play a major role in determining when - or if - the Bank makes its next move. For now, uncertainty remains the only certainty.

Important reminder:
-----Bank of Canada rate decisions impact VARIABLE (floating) mortgage rates only.
-----Fixed mortgage rates are driven by the bond market — and for insured (less than 20% down) mortgages, many are still sitting under 4%.

The real estate market is heating up — but it’s not HOT yet. This is often the best window to buy: less competition, more choice, and better negotiating power.

My advice? Don’t wait for the frenzy to return. Now is the perfect time to talk to your Mortgage Broker (PM me!), your Realtor, and your family about building your plan.

More details here on the BOC decision:

Bank of Canada Holds Overnight Rate Steady at 2.25%. Today, the Bank of Canada once again held the policy rate steady at 2.25%. This is the bottom of the Bank's estimate of the neutral overnight rate, where monetary policy is neither expansionary nor contractionary. With inflation hovering just above 2% and core inflation falling to 2.5%, the Governin...

Time for a little honesty moment! ❤️

I’ve been in the mortgage business for 23 years now (how did that happen?!), and I’ve always believed that doing good work and taking great care of people would speak for itself. Because of that, I’ve been pretty humble (okay… shy 😅) about ever asking for reviews.

But times have changed. In the age of AI searches, reviews really do matter - a lot. They help people find me, trust me, and feel confident reaching out.

So here it is… the BIG ask 🙏

If we’ve ever worked together - whether you were a client, realtor, lawyer/notary, lender BDM (yes, all of you! 😄), accountant, credit counsellor, appraiser, insurer, builder, financial planner, or any other professional who helped me make a deal come together, would you be so kind as to leave me a Google review?

You can simply click the number of stars 🌟 you feel I deserve (5 would absolutely make my day of course!) and adding a note is always appreciated - but completely optional.

Thank you for the trust, the teamwork, the referrals, and the relationships over the years. I’m incredibly grateful for the community around me and truly wouldn’t be here without you all. 💙

Janette :)

Review link (with thanks!):

Janette Roch, Mortgage Broker - 1353689 BC Ltd. / Dominion Lending Centre Bluetree- Mortgage Minimizer would love your feedback Post a review to our profile on Google

https://www.facebook.com/share/p/17h8LbvwA7/

A quick Mortgage Year in Review!

HAPPY NEW YEAR!