Monica Romey Real Estate

29/10/2026

📣 The Bank of Canada just raised its policy rate by 0.25% to 2.50%. It’s the first increase since July 2023, after seven holds in a row.
Here’s what that means for you:

🔹 Prime is now 4.70%, so variable-rate mortgages and lines of credit move with it.
🔹 The Bank said more increases may be needed, and it will decide one meeting at a time. The next announcement is December 9.
🔹 If your mortgage renews in the next 6 to 12 months, you may not need to wait. Many lenders let you secure a renewal rate as early as 6 months before your term ends. Terms and penalties vary, so check the details for your mortgage.
Good decisions come from good information. Your timeline, your income and how much certainty you want all shape which product fits, so there isn’t one right answer for everyone.

I’m not a mortgage advisor, but I work with trusted mortgage professionals here in the Fraser Valley and would be glad to connect you. They’ll walk you through your options so you can choose with confidence.

📩 Message me or comment “RENEWAL” and I’ll make the introduction.
Know someone whose renewal is coming up? Share this with them.

26/10/2026

As a realtor and renovator, I get asked this a lot: "Should I redo my kitchen before I sell?" 🔨
My honest answer: it depends on the home and the price point. In my experience, buyers don't fall for fancy. They fall for functional. Space to prep, storage that works, a layout that flows, and plenty of light. In an older home, even something simple like updating cabinet faces or hardware and adding potlights can make the whole room feel fresh.
Two rules I always share:
1️⃣ Keep it mid-range. Cosmetic updates often beat a luxury overhaul.
2️⃣ Match the neighbourhood. A luxury kitchen in a modest-priced area rarely pays back.
Thinking about an upgrade? Message me first, and let's make sure your money works hard. 🏡

23/10/2026

15/10/2026

28 moves taught me a lot about what makes a place feel like home. 🏡

I'm Monica, a Fraser Valley realtor, and this is a little peek behind the scenes. If you're thinking about your next move, or just curious about the area, I'm always happy to chat and spill all my secrets.
Tell me below: what's the one thing you love about your neighbourhood and why it's your favorite? 👇

08/10/2026

Selling this fall? 🍂
Buyers who missed out in the spring are still searching, and many want to be settled in before winter. Swipe through for 4 simple ways to help your home stand out as the days get shorter.
Thinking of selling in the next six months? Let's talk early. No pressure, just a clear plan for how to prepare and get the most out of your home.
Message me and we'll look at your options together, on your timeline." 💬
Monica Romey · REALTOR®

25/09/2026

🏡 OPEN HOUSE ALERT 🏡
Imagine coming home to this. A stunning 4-storey townhome tucked into one of Upper White Rock/South Surrey's most desirable pockets — just one block from Peace Arch Hospital.
Step inside and fall in love: a penthouse loft bedroom paired with a four-season solarium (yes, your own private sunlit retreat ☀️), two spacious bedrooms on the second floor, and a walk-out patio that spills into bright, beautifully landscaped courtyards.
The upgrades are already done for you — new roof (2026), brand new hot water tank, and efficient in-floor radiant heat included in your strata fee. Plus 2 underground parking stalls with direct garage access via the mudroom.
Parks, schools, transit — all just steps away. And yes, your furry friends are welcome too (up to 45cm/16kg) 🐾
Come see it for yourself. This one is a real opportunity to buy into an amazing neighbourhood.

23/09/2026

The allure is real but let me clear up the context that matters. It could save you tens of thousands.

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#​CondoLiving #​HomeBuyingTips

11/09/2026

🏡 #16 -15432 16A Ave sitting on the border of South Surrey/White Rock.
One block from Peace Arch Hospital!
3 Bed | 3 Bath | 2 Secure Underground Parking Stalls
✨ Loft-style bedroom w/ 4-season solarium
✨ 2 generous second-floor bedrooms
✨ Basement mudroom w/ direct vehicle access
✨ New roof (Jan 2026)
✨ Brand-new hot water tank
✨ Efficient radiant heat included in strata fees
✨Pet Friendly
Perfect for hospital staff, healthcare workers, or anyone craving an easy commute and effortless parking. Set in a safe, walkable neighbourhood — close to top schools, parks and amenities.
Your next home is ready. 🔑
DM or comment for a private showing! 📍

02/09/2026

📣🇨🇦The Bank of Canada's message today: the economy is recovering, but not without real pressure points.

Growth is projected at a modest 0.7% this year, rising to 1.8% in both 2027 and 2028. Inflation risk is tilted upward, largely because of the Iran conflict and new tariffs putting strain on refineries and businesses with the potential to spread into other prices.
Here's the calm, rational read: core inflation is still sitting near the Bank's 2% target, and most of the headline inflation increase is just gas prices. That's why we expect the Bank to hold at 2.25% through 2026, even as new Canada-US tariffs add pressure to affected businesses.
But growth-minded buyers and sellers should pay attention to this: strong economic conditions are quietly building the case for the Bank to eventually raise rates toward 2.75%. And with inflation running hot in the US too, bond yields — the real driver of Canadian fixed mortgage rates — are already climbing. That means fixed rates may keep edging up even while the policy rate stays flat.

Whether you're buying your first home, growing into a bigger one, or downsizing into your next chapter, timing and strategy matter more than headlines.
Let's talk through what this means for your specific plans.
Reply or DM me anytime.💬