Tara Webber - Financial Advisor & Mortgage Professional

06/14/2026

Flexibility isn’t just a gym thing. 🧘‍♀️

As a powerlifter, I know what it costs to be rigid when your body needs to move. The same is true with your mortgage.

Here’s something most people don’t know before they sign:

Variable vs. Adjustable — they’re not the same thing.

→ Variable rate (VRM) = your payment stays the same, but the portion going to interest vs. principal shifts with prime rate

→ Adjustable rate (ARM) = your actual payment amount moves up or down with prime rate

Both float with the market. The difference is how you feel it month to month.

And here’s why I love them both over fixed — the penalty.

If life changes and you need to break a fixed mortgage early, you could be hit with an IRD penalty (Interest Rate Differential). In a lower rate environment, this can be tens of thousands of dollars. 😬

I just completed a refinance where the IRD penalty came in at over $17,000 — and it was still the right move for that client. That’s not a scare story. That’s what happens when you actually run the numbers with someone who knows how.

Variable/adjustable penalties? Usually just 3 months’ interest. Full stop.

Life is unpredictable. Job changes. Relationship changes. Upsizing. Downsizing. Your mortgage should be able to bend with you — not break you.

That’s what flexibility in your mortgage strategy looks like. 💪

Questions about whether variable is right for YOU? Drop them below or DM me. 👇

06/04/2026

The bar doesn’t lie. Neither do I.

I’ve been competing in powerlifting for 21 years. You don’t last that long by cutting corners or chasing shortcuts — you last by showing up, doing the work, and playing the long game.

My business is the same way.

I’m not a bank employee. I own my practice. And I plan to be your mortgage and financial advisor 21 years from now.

That means when I sit down with you, I’m not thinking about this transaction. I’m thinking about your next one — and the one after that. I want to do an excellent job for you because I plan to still be here serving you.

No quota. No manager. No branch reassignment. Just me, invested in your outcome for the long haul.

That’s not something your bank can promise you.

💪 The long game is the only game I play.

05/26/2026

05/26/2026

I started lifting at 15 with no plan and no idea what it would become.

Twenty-one years later: multiple world records, championship titles, the lightest woman in history to squat over 700 lbs, and a gym I built from the ground up in Prince George BC.

Xconditioning exists because I wanted to give other people what this sport gave me — not just physical results, but the understanding that you are more capable than you think. That slow progress isn’t failure. That the work itself is the reward.

Everything this place has taught me, I bring to my work as a mortgage broker and insurance advisor. Because building financial strength and building physical strength come from the same place.

And here’s something worth knowing: I’m not a bank employee. I own my business. I’m not going anywhere. The bank you work with today may rotate through three advisors in five years. I’ll still be here in another 21.

This is where I work. This is who I am. Come find me.

05/19/2026

Did your bank do that? 🏦

When a client comes to me for a pre-approval — or walks in with an accepted offer — one of the first things I do is ask if they’ve opened their FHSA.
If they haven’t, we open one. Right then.

Because here’s what that one conversation can be worth:

💰 The FHSA lets first-time buyers contribute up to $8,000 a year — and every dollar is tax-deductible

💰 Depending on your income, that’s potentially $2,000–$4,000 back on your tax return — just from year one

💰 Over the life of the account, you could shelter up to $40,000 from tax going in and tax-free on the way out when you buy

💰 And here’s the catch most people miss: contribution room only starts accumulating the day you open the account

So if you come to me with an accepted offer and closing is 30 days away? We still open it. Because starting the clock now could mean thousands back in your pocket next tax season.

Your bank got you a rate. I got you a rate and looked for every dollar I could put back in your hands.

Did your bank do that?

👇 First-time buyer or know someone who is? Save this. It could be worth thousands.

05/13/2026

In one week I will have realtor Lori Cruddas from Team Powerhouse, insurance broker Carley Chassie from Western Financial and home inspector Mike Webber from Iron Clad Inspections with me to get you ready to purchase your first home!

Thinking of buying a house for the first time? Don't know where to start? 🤔🏠

Join us for the return of First Time Homebuyers Info Session—with two opportunities to attend! You will learn about first time buyer incentives, basic credit tips, how a pre-approval can help you and much more. We will also cover the basic costs you need to be prepared for during the process and at closing.

Drop-ins are welcome, registration is rewarded (with a yummy baked treat). Call 250-563-9251 ext. 100 or come in to either branch to register.

In partnership with .

FIRST TIME HOMEBUYERS INFO SESSION
Ages 19+ | Free drop in
6:00 - 7:30 pm

Two opportunities:
Wednesday, May 20
Bob Harkins Branch, downtown

Thursday, June 18
Nechako Branch, in the Hart

Alt text: There is an arm holding a black sign, with yellow writing that says "Sold," and another arm below holding a book called "Home Buying Kit for Dummies." In the background, there are yellow daffodils, and a black fence.

05/08/2026

That helmet cost $250. It saved my face. 🪖

💥 I’ve been riding these trails since before they all had names. I hit that drop just the week before.

You would never ride those trails without a helmet. Life insurance is the same idea.

You don’t put on a helmet AFTER you crash. You put it on before — when everything feels fine and you think you don’t need it.

The best time to get covered is when you’re healthy and life is good. That’s when it’s cheapest. That’s when it matters most. Don’t wait for the wake-up call. 🙏

👉 Link in bio for a free quote — takes 5 minutes.

05/05/2026

Get a pre-approval before you think you’re ready — here’s exactly why.

A pre-approval always involves a full credit pull — and that credit pull can reveal things you didn’t even know were sitting there, waiting to slow you down. Here are three of the most common surprises we find:

1️⃣ Old collections you forgot about
Small things like a $50 parking ticket can end up in collections and quietly sit on your credit report for years. Catching these early gives you time to clear them up before a lender ever sees the file.

2️⃣ Paid-off loans still showing a balance
This is more common than you’d think. You paid out that loan — but the balance hasn’t been updated on your credit report. Getting the paperwork together to prove it’s paid can take weeks. If you discover this mid-offer, it can hold up your entire mortgage approval.

3️⃣ High credit utilization dragging your score down
If you’re carrying balances across multiple credit cards, your overall utilization may be higher than you realize — and that can lower your score. The good news: this one is fixable. Paying balances down before your application can meaningfully improve your score, but you need time.

💚 Common concern — addressed
Many clients worry that a credit pull will hurt their score. Not to worry! A credit inquiry from a mortgage broker is treated quite differently than one from a car dealership or a retailer. The impact is typically only a few points — and it’s short-lived. Don’t let that fear be the reason you wait too long.

The best time to get a pre-approval is before you think you need one. It gives you a clear picture of where you stand, time to fix what needs fixing, and the confidence to make an offer when the right home comes along — without any last-minute surprises. 🏡

05/03/2026

🏡 First-Time Home Buyer Seminar – Prince George

Thinking about buying your first home but not sure where to start? We’ve got you covered.

Join us May 20th at 6:00 PM at the Public Library for a relaxed, no-pressure seminar designed to walk you through the entire process.

You’ll hear from a full team of pros:
• Mortgage broker
• Realtor
• Home inspector
• Insurance broker

We’ll break down what you actually need to know (no fluff), and there will be plenty of time for questions—so bring them all.

👉 The session runs about 1 hour
👉 Snacks provided if you register ahead of time

Whether you’re just curious or ready to buy this year, this is a great place to start.

📩 Message me to reserve your spot

Spots are limited—because nobody likes standing room only while holding snacks.