Heidi Hamano Mortgages

Heidi Hamano Mortgages Mortgage Specialist with TMG The Mortgage Group helping clients with a wide range of mortgages.

First-time home buyer, refinance, renewal, construction, and alternative mortgage.

The Costs No One Talks About Enough 🏡Buying a home involves more than a down payment and mortgage payment.Things like le...
06/18/2026

The Costs No One Talks About Enough 🏡

Buying a home involves more than a down payment and mortgage payment.

Things like legal fees, property tax adjustments, home inspections, moving expenses, and those first few purchases for your new home can add up quickly.

The good news? These costs are easier to manage when you plan for them ahead of time.

A big part of my job is helping you understand the full picture so there are fewer surprises along the way.

It's never too late to set a new goal, dream a new dream, or take the first step toward something you've always wanted.Y...
06/15/2026

It's never too late to set a new goal, dream a new dream, or take the first step toward something you've always wanted.

Your timeline is your own!

Whether you've owned your home for six months or sixteen years, a few simple habits can save you time, money, and stress...
06/12/2026

Whether you've owned your home for six months or sixteen years, a few simple habits can save you time, money, and stress down the road.

Here are 3 things every homeowner should know:
🏠 Know your mortgage renewal date before it sneaks up on you. Reviewing your options early can help you secure a better strategy and avoid last-minute decisions.
🔧 Small maintenance issues rarely stay small. Tackling repairs early can prevent bigger and more expensive problems later.
💰 Keep an eye on your home equity. As your mortgage balance decreases and your home's value changes, you may have opportunities to refinance, renovate, or consolidate debt.

Homeownership is a journey, and a little knowledge can go a long way.

The Bank of Canada held its overnight rate at 2.25% today, keeping the prime lending rate at 4.45%.For borrowers with va...
06/11/2026

The Bank of Canada held its overnight rate at 2.25% today, keeping the prime lending rate at 4.45%.

For borrowers with variable-rate mortgages, adjustable-rate mortgages, or lines of credit, there is no immediate change.

For those buying a home, this continued rate stability provides some certainty as we move through the summer market. For homeowners facing renewal this year, it’s a reminder that your mortgage strategy matters just as much as the rate itself.

While the headline inflation rate rose to 2.8%, the Bank made it clear that much of that increase is tied to higher energy prices rather than widespread inflation across the economy. In fact, core inflation measures have eased back toward the Bank’s 2% target.
Housing activity is showing signs of improvement, but affordability remains top of mind for many Canadians. Whether you’re buying, renewing, or exploring refinancing options, now is a good time to review your plan and understand what’s available.

Sometimes the most meaningful goals take the most time.Whether you're building a career, raising a family, or working to...
06/08/2026

Sometimes the most meaningful goals take the most time.

Whether you're building a career, raising a family, or working toward a home of your own, every step forward counts.

Many people assume they'll be in their "forever home" right away, but most homeowners move several times throughout thei...
06/05/2026

Many people assume they'll be in their "forever home" right away, but most homeowners move several times throughout their lives.

Your first home doesn't have to be your dream home. Sometimes it's simply the first step toward it.

One of the biggest surprises for home buyers is learning that just because you're approved for a certain amount doesn't ...
06/04/2026

One of the biggest surprises for home buyers is learning that just because you're approved for a certain amount doesn't mean you have to spend it.

A lender's approval is based on qualifying guidelines, but your comfort level is about much more than that. Monthly cash flow, lifestyle goals, travel plans, childcare costs, retirement savings, and future financial priorities all matter.

For some buyers, purchasing below their maximum approval creates flexibility and peace of mind. For others, stretching a little further may make sense depending on their goals.

The right budget isn't the highest number on an approval letter. It's the number that allows you to enjoy your home while still feeling confident about your finances.

A mortgage strategy should fit your life, not just your qualification.

Some goals feel out of reach until the day they become reality.Whether you're saving for a down payment, paying down deb...
06/01/2026

Some goals feel out of reach until the day they become reality.

Whether you're saving for a down payment, paying down debt, rebuilding credit, or planning your next move, progress often happens one small step at a time. The important thing is to keep moving forward.

The things that seem impossible today may become the milestones you're celebrating tomorrow.

Outdoor season is here ☀️Time for a little backyard dream-building. Tell me your picks below 👇
05/29/2026

Outdoor season is here ☀️

Time for a little backyard dream-building. Tell me your picks below 👇

Insured and uninsured mortgages are structured differently, and understanding the difference can impact your rate, down ...
05/27/2026

Insured and uninsured mortgages are structured differently, and understanding the difference can impact your rate, down payment, and long-term strategy.

Generally:
• Insured mortgages require less than 20% down and include mortgage default insurance
• Uninsured mortgages require 20% or more down and do not include insurance premiums

The right option depends on your goals, budget, and overall financial picture.

Address

105-1385, West 8th Avenue
Vancouver, BC
V6H3V9

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+16042507649

Website

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