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My Rates

6 Months 6.94%
1 Year 6.09%
2 Years 5.14%
3 Years 4.14%
4 Years 4.39%
5 Years 4.00%
7 Years 4.94%
10 Years 5.19%
6 Months Open 5.45%
1 Year Open 7.20%
*Rates subject to change and OAC
AGENT LICENSE ID
137465
Lynn  McLellan, BA Mortgage Professional

Lynn McLellan, BA

Mortgage Professional


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404- 1688 152nd Street, Surrey, British Columbia, V4A 4N2

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It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.

I'm Equifax certified

I'm certified through the Equifax Credit Professional Program.

BLOG / NEWS Updates

CREA: New Listings Jump to Start 2025 as Tariff Uncertainty Weighs on Sales

Canadian MLS Systems posted a double-digit jump in new supply in January 2025 when compared to December 2024. At the same time, sales activity fell off at the end of the month, likely reflecting uncertainty over the potential for a trade war with the United States. Although sales were down 3.3% on a month-over-month basis in January, this was mostly the result of sales trailing off in the last week of the month. Meanwhile, the number of newly listed homes increased with an 11% jump compared to the final month of 2024. Aside from some of the wild swings seen during the pandemic, this was the largest seasonally adjusted monthly increase in new supply on record going back to the late 1980s. The standout trends to begin the year were a big jump in new supply at an uncommon time of year, as well as a weakening in sales which only showed up around the last week of January, said Shaun Cathcart, CREAs Senior Economist. The timing of that change in demand leaves little doubt as to the cause uncertainty around tariffs. Together with higher supply, this means markets that had been steadily tightening up since last fall are now suddenly in a softer pricing situation again, particularly in British Columbia and Ontario. https://www.crea.ca/media-hub/news/fourth-quarter-housing-data-hints-at-home-sales-rebound-for-2025-2/

NBC Housing Market Monitor: Uncertainty weighs on home sales in January

Summary Home sales decreased by 3.3% between December and January, the second monthly contraction in a row, which can be explained by a slowdown in transactions in the last week of January. On the supply side, new listings surged by 11.0% compared to December, the first increase in four months and the biggest jump since February 2022 (rebound following Omicron wave). Active listings jumped by 4.2% from December to January, the second monthly advance in a row. Combined with the decrease in sales, the number of months of inventory (active listings-to-sales) increased for the second consecutive month, moving from 3.9 in December to 4.2 in January. Market conditions loosened during the month but remained tighter than their historical average in most provinces, while they remained balanced in B.C. and were in favourable to buyers territory in Ontario. Housing starts increased by 3% (+7.2K) in January to 239.7K (seasonally adjusted and annualized), a print below the median economist forecast calling for 252.5K units. The monthly gain was driven by an increase in both urban (+5.6K to 220.6K) and rural (+1.7K to 19.1K) starts. Starts were up in Montreal (+17.8K to 31.4K), Toronto (+17.2K to 29.1K), and Calgary (+0.4K to 21.4K), while they were down in Vancouver (-4.1K to 25.0K) from December to January. On a provincial basis, starts were up the most in Quebec (+16.6K to 58.4K), Nova Scotia (+2.8K to 8.2K), Alberta (+1.4K to 44.8K), and P.E.I. (+1.2K to 2.5K), while they saw the biggest decrease in Ontario (-6.4K to 57.0K), B.C. (-6.5K to 39.0K) and New Brunswick (-3.1K to 1.7K). The TeranetNational Bank Composite National House Price Index remained stable from December to January after seasonal adjustment. Seven of the 11 markets in the composite index rose during the month: Quebec City (+3.2%), Halifax (+0.9%), Calgary (+0.8%), Ottawa-Gatineau (+0.6%), Victoria (+0.6%), Edmonton (+0.6%) and Montreal (+0.4%). Conversely, prices fell in Winnipeg (-1.5%), Hamilton (-1.4%) and Vancouver (-0.6%), while they remained stable in Toronto. https://www.nbc.ca/content/dam/bnc/taux-analyses/analyse-eco/logement/economic-news-resale-market.pdf

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