Do you have a hobby? I'll show you mine!

Christos Gitersos - Mortgage Planner

christos@gitersos.com
604.786.9099
http://www.gitersos.com/

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Attached - Pitt Meadows, Maple Ridge
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Attached - Mission, Abbotsford, Chilliwack, Sardis
Attached - Burnaby, New West
Detached - Burnaby, New West
Detached - Chilliwack, Sardis
Detached - Mission, Abbotsford
Attached - Burnaby, New West
Detached - Tri Cities



Renewal Readiness: Steps You Should Take Every 5 Years

 

I'm adding this one again as renewals are SOOOO important this year.

This is one of the most important renewal years in a very long time, in my whole career for sure, which is 20 years this week. WOW!

All the COVID, extremely low rate, mortgages are coming due this year. You need to plan for the increase in rate and payments and i can help. 

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Many borrowers treat mortgage renewal as a routine task. They receive a notice from their lender, sign it, and move on without asking questions. This can lead to paying much more interest than necessary. A renewal is actually a great chance to negotiate better terms, since lenders want to keep your business. Starting early gives you time to prepare and puts you in a stronger position to ask for a better deal.

To prepare, begin reviewing your finances six to twelve months before renewal. Check your income, credit score, future plans, and monthly budget to see what you can improve. This is also a good time to rethink your mortgage plan, compare rates from different lenders, and review the fine print of your current loan. Some borrowers may even benefit from switching lenders if better options are available. With early planning and careful review, a mortgage renewal can help you save money and set yourself up for the next five years with confidence.

Please contact me for a complimentary and confidential mortgage review  so we can assess your current situation and how you may save when you renew your mortgage.



Thank you!

 

Honoured to be recognized with the Master Club Award 2025, placing me in the top 5 percent of all Dominion Lending Centres mortgage brokers across Canada.

 

This milestone reflects a year of consistency, hard work, and a strong commitment to the clients and partners who trust me every day. Grateful for the support along the way and proud to represent Marstel Mortgage Planning and Dominion Lending Centres.

 

Thank you to everyone who played a part in this journey. Onward and upward.



What's your pass time hobby?!

 

Mine....Well, I've always had a love for EDM music and putting on events. I did many in the late 90's and early 2000's. Then life happened, kids, family, 'real' work and so forth. 

I have had a major miss for it, for years, so my brother and I, with help from my sister, are gathering to put on one in a few weeks. 

If you have any interest, come on out, would be amazing to see you there!

Get Tickets – Sound Over Silence

Sorry, shameless plug here on my newsletter! Then again, this spot is usually reserved for something that is happening in my life, so here you go!

I know many of you aren't even close to us here in the lower mainland, so sorry for giving you some hope of something fun to do! HA



Be rewarded for being awesome!

 

You can earn up to $2,700 just for referring your family, friends or co-workers.

The more you refer the more you make. Just for referring a name you'll get $20 cash so you can do with it as you please!

Some more information here http://www.gitersos.com/client-appreciation/

This year has been so overwhelming with the support I've received. I have many amazing people who have received quite a bit and I can't be more thankful! 

2025 saw a lot of free money go out, let's see what we can do in 2026!



Bank of Canada Holds Policy Rate Steady

 

By Dr. Sherry Cooper - Chief Economist for the DLCG Group

January 28, 2026

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 Governing Council sees the current overnight rate as appropriate, “conditional on the economy evolving broadly in line with the outlook published today. Inflation was 2.1% in 2025, and the Bank expects inflation to stay close to the 2% target over the projection period, with trade-related cost pressures offset by excess supply.”

According to the press release, “Economic growth is projected to be modest in the near term as population growth slows and Canada adjusts to US protectionism. In the projection, consumer spending holds up, and business investment gradually strengthens, with fiscal policy providing some support. The Bank projects growth of 1.1% in 2026 and 1.5% in 2027, broadly in line with the October projection. A key source of uncertainty is the upcoming review of the Canada-US-Mexico Agreement.”

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