Bank of Canada Starts Hiking Rates, Signalling More To Come

The Governing Council of the Bank of Canada raised the overnight policy rate target by a quarter percentage point in a widely expected move and signalled that more hikes would be coming. This is the first rate hike since 2018. In a cautious stance, the Bank announced it was continuing the reinvestment phase, keeping its overall Government of Canada bonds holdings on its balance sheet roughly stable. 

The Bank’s press release highlighted the major new source of uncertainty provided by the unprovoked invasion of Ukraine by Russia and suggested that it is a new source of substantial inflation pressure. Prices for oil, metals, wheat and other grains have skyrocketed recently. Moreover, this geopolitical distention negatively impacts confidence worldwide and adds new supply disruptions that dampen growth. “Financial market volatility has increased. The situation remains fluid, and we are following events closely.”

The Bank commented that economies have emerged from the impact of the Omicron variant more quickly than expected. Demand is robust, particularly in the US.

“Economic growth in Canada was very strong in the fourth quarter of last year at 6.7%. This is stronger than the Bank’s projection and confirms its view that economic slack has been absorbed. Both exports and imports have picked up, consistent with solid global demand. In January, Canada’s labour market recovery suffered a setback due to the Omicron variant, with temporary layoffs in service sectors and elevated employee absenteeism. However, the rebound from Omicron now appears to be well in train: household spending is proving resilient and should strengthen further with the lifting of public health restrictions. Housing market activity is more elevated, adding further pressure to house prices. Overall, first-quarter growth is now looking more solid than previously projected.”

Canadian CPI inflation has risen to 5.1%, as expected in January, well below the 7.5% level posted in the US.” Price increases have become more pervasive, and measures of core inflation have all risen. Poor harvests and higher transportation costs have pushed up food prices. The invasion of Ukraine is putting further upward pressure on prices for both energy and food-related commodities. All told, inflation is now expected to be higher in the near term than projected in January. Persistently elevated inflation increases the risk that longer-run inflation expectations could drift upwards. The Bank will use its monetary policy tools to return inflation to the 2% target and keep inflation expectations well-anchored.”

The final paragraph of the Bank’s press release speaks with great clarity: “The policy rate is the Bank’s primary monetary policy instrument. As the economy continues to expand and inflation pressures remain elevated, the Governing Council expects interest rates will need to rise further. The Governing Council will also be considering when to end the reinvestment phase and allow its holdings of Government of Canada bonds to begin to shrink. The resulting quantitative tightening (QT) would complement the policy interest rate increases. The timing and pace of further increases in the policy rate, and the start of QT, will be guided by the Bank’s ongoing assessment of the economy and its commitment to achieving the 2% inflation target”.

Bottom Line

The Bank of Canada has made a clear statement regarding the outlook for a normalization of interest rates. We expect a series of rate hikes over the next year. Expect another 25 basis point increase following the next meeting on April 13. The increased uncertainty and volatility arising from the war in Ukraine is front of mind worldwide. Still, it will not deter central banks from tightening monetary policy to forestall an embedded rise in inflation expectations.

The Bank of Canada has postponed Quantitative Tightening, for now, a prudent move in the face of geopolitical uncertainty.

This article is credited to the Sherry Cooper Assoc.

Angela Calla is an 18-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click here to view the latest news on our blog. 

This is a big year for mortgage renewals. You deserve to get the most out of your investment; by adhering to the following tips, you stand a great chance of saving thousands down the road by handling your mortgage renewal the right way

Start planning for the renewal at least four months in advance
You want to give yourself plenty of time to research every available lender and product with the unbiased credit-protecting free service of an independent mortgage professional. While this is always true, it is vital at times when rate hikes are expected, such is the case in Canada currently. With mortgage rates predicted to increase upwards of 1.5 percentage points finding the ideal lender/loan combination with the best terms to navigate changing times is imperative

Understand the difference between fixed and variable rates
Every type of mortgage carries with it a level of risk; determining which type is best for your individual situation is the main challenge. With a fixed, you have peace of mind knowing your rate will never increase throughout the term. However, this also means it can never go down, your penalty can be higher to exit the mortgage, and you pay a higher rate for security. On average, this is approx. 1% so you generally pay more interest upfront, and if you want to change to a fixed, you can at any time. Variable-rate mortgages change with the ebbs and flows of the economy.  The right mortgage strategy is put together when you understand those numbers and how it compares to your emotions on handling changing variables.

Consolidate your debts
If you are carrying debt outside your mortgage, absolutely include that into a new mortgage and do a refinance instead of renewal. This way you will get rid of those outside payments, save hundreds if not thousands every month, and if you ever dreamed of moving up the property ladder, retiring earlier, owning an investment property, this will improve your qualifications to give you the options to do so and help you become debt-free sooner. This is your time to do just that and take the equity out with a renewal.

Some other considerations could include:

• Any big purchases such as home renovations
• Paying out a guarantor or gift you received to make your home purchase in the first place
• Or if you just don’t have an emergency fund handy

You can also check out the post we did just on debt consolidation by clicking HERE

Assess and adjust your amortization period if viable
The longer you pay on your mortgage, the more interest you will be compelled to pay. Trimming your loan period by even a couple of years can save a bundle. On the other hand, if you are in a cash crunch, want to save for other investments, or are going through a divorce you may want to take a longer period if available to you while you navigate your agreement.

Buy insurance to protect your assets
This can come in the form of critical illness or life insurance, but both are guaranteed to provide a critical financial safety net in the event of a major life change or emergency.

These five steps will prevent you from making a big mistake when it comes to renewing your mortgage. Ask plenty of questions and go through the process of thinking about not just the immediate future but the next decade; remember, it is your money on the line.

Angela Calla is an 18-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click here to view the latest news on our blog. 

Angela Calla is an 18-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click here to view the latest news on our blog. 

Inflation Ticked Up Again in January

StatsCanada today reported that consumer price inflation rose to 5.1% from year-ago levels in January, compared to 4.8% in December. This was higher than expected but still well below US inflation posted at 7.5% for the same period. Undoubtedly, this puts additional pressure on the Bank of Canada to hike the overnight policy rate target in early March when it meets again, despite the disappointing jobs data last month. Even excluding gasoline, the CPI rose 4.3% y/y last month.

Shelter costs rose 6.2% year over year in January 2022, the fastest pace since February 1990. Higher prices for new homes contribute to higher costs associated with the upkeep of a property or the homeowners’ replacement cost. Higher home prices also tend to raise other owned accommodation expenses. In contrast, lower interest rates bring borrowing costs down—measured in the CPI through the mortgage interest cost index, which includes new and resale home prices.

The owned accommodation index, which measures the ongoing costs of homeownership, increased 6.1% year over year in January. Homeowners’ replacement cost (+13.5%) and other owned accommodation expenses (+14.0%), which includes commissions on the sale of real estate, put upward pressure on shelter prices amid rapid price growth in the housing market throughout the pandemic.

Conversely, mortgage interest costs fell 6.8% year over year in January, putting downward pressure on the shelter index.

Renters also saw a rise in prices, as the rented accommodation index increased 3.2% year over year, contributing to the higher shelter prices Canadians faced in January.

Another highly visible component of rising inflation was the surge in food prices. Shoppers paid more for groceries, as food prices from stores rose faster in January 2022 (+6.5%) than in December 2021 (+5.7%).

Prices for fresh or frozen beef (+13.0%), fresh or frozen chicken (+9.0%), and fresh or frozen fish (+7.9%) rose more in January 2022 compared with December 2021. Margarine (+16.5%) and condiments, spices, and kinds of vinegar (+12.1%) were also up compared with January 2021. Higher input prices and shipping costs because of ongoing supply chain disruptions have contributed to increased food prices. In addition to supply chain disruptions, unfavourable growing conditions have led to higher prices for fresh fruit (+8.2%) and bakery products (+7.4%).

Consumers paid more for alcohol in January 2022, as alcoholic beverages purchased from stores rose 2.9%, following a 1.6% gain in December 2021. Much of this increase stemmed from higher prices for both beer and wine, amid material shortages and increased shipping costs.

Bottom Line

Inflation has now exceeded the Bank of Canada’s 1% to 3% target band for 10 consecutive months. Other central banks have already begun to hike overnight rates from their effective lower bound of 25 basis points introduced in March 2020.

The U.S. Federal Reserve is preparing to raise interest rates in March, and last Friday’s jobs report fueled speculation it may need to move aggressively. The Bank of England just delivered back-to-back hikes, and some of its officials wanted to act even more forcefully. The Bank of Canada is set for liftoff next month. Even the European Central Bank may get in on the action later this year.

The recent trucker protests and border blockades have further disrupted the fragile auto supply chain. Wages in Canada rose 2.4% y/y, so Canadian households, on average, are seeing their purchasing power diminish.

Markets are pricing in as many as seven increases in borrowing costs over the next 12 months. While the Bank runs the risk of tightening too aggressively, there is little doubt that the emergency monetary easing has run its course.

This article is credited to the Sherry Cooper Assoc. 

Angela Calla is an 18-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click here to view the latest news on our blog. 

Recently, Angela was invited to speak on The Jill Bennett Show in light of the recent Bank of Canada announcement. We can breathe a sigh of relief as there was no rise in interest rates. But that’s not to say we shouldn’t stay vigilant. The rates are sure to increase this year, and this means now is the time to make the most of these historic low rates and use them to your advantage.

We have gotten many concerned clients call and ask if they should lock in their variable rate, in preparation for the eventual increases. While this can be the way to go, depending on your personal comfort level, our goal is to try and lower that principal amount. A way to relieve some of that tension is to pay that variable rate as if it were a fixed rate, so when the increases do finally come, the change will still be lower than what you pay. As historically, the Bank of Canada will only raise the interest rates by 0.25%. That’s only equivalent to a $13 increase per 100K in your mortgage!

More is discussed in the actual interview, so if you have seven minutes to spare, we do recommend giving it a listen. Knowledge is power, and we want to ensure you are equipped with the right tools to navigate the market in these trying times.

We also have an upcoming webinar this month on protecting yourself during the time of rising interest rates. So, if you or a loved one have an upcoming mortgage renewal or are looking to utilize home equity to consolidate debt, join us on February 24, at 7:00 PM!

Angela Calla is an 18-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click here to view the latest news on our blog. 

No Wonder The Bank of Canada Didn’t Hike Interest Rates Last Month

Statistics Canada released the January Labour Force Survey this morning, reporting a much more extensive than expected decline in jobs last month. The Omicron shutdowns and restrictions took a much larger toll in Canada than expected, as employment fell 200,100 in January and the unemployment rate rose 0.5 percentage points to 6.5%.

Ontario and Quebec drove January employment declines, and accommodation and food services was the hardest-hit industry. In January, youth and core-aged women, who are more likely than other demographic groups to work in industries affected by the public health measures, saw the most significant impacts. Goods-producing sectors recorded a gain, led by construction.

We did not expect the Bank of Canada to hike rates in January because of the risk that Omicron restrictions would batter the economy at least temporarily. If we see a reversal in these declines in February, rate hikes could well commence. The Bank of Canada’s next policy-decision date is March 2. But we won’t see the Labour Force Survey for February until March 11. This could postpone lift-off by the BoC until the next meeting on April 13, when we will have both the February and March employment reports. This would put the first rate hike in April, exactly when the Bank’s forward guidance initially told us the hikes would begin. 

The timing of lift-off is subject to the incoming data. It is troubling that the US employment report, also released today for January, was surprisingly strong, in contrast. To be sure, the US did not impose Canadian-style Omicron restrictions last month, but the Omicron wave did depress US economic activity. It was expected to translate into weak hiring. It didn’t. 467,000 jobs were created in the US, and massive upward revisions suggest a fundamentally very strong US economy. With US companies desperate to hire and the most significant issue being the lack of qualified staff, wages are rising more sharply south of the border.

Canadian employment remains just over 30,000 above pre-pandemic levels, and the country has a strong track record of bouncing back after prior waves of the virus. Yet, today’s jobs numbers suggest a tough start for the Canadian economy in the first quarter. Hours worked — which is closely correlated to output — fell 2.2% in January, and the number of employees who worked less than half their usual hours jumped by 620,000. January also saw the first drop in full-time employment — down 82,700 — since June.

Average hourly wages grew 2.4% (+$0.72) on a year-over-year basis in January, down from 2.7% in November and December 2021 (not seasonally adjusted). The January 2022 year-over-year change was similar to the average annual wage growth of 2.5% observed in the five years from 2015 to 2019.

The concentration of January 2022 employment losses in lower-wage industries did not significantly impact year-over-year wage change, partly because employment in these industries experienced similar losses in January 2021 as a result of the third wave of COVID-19.

You can read this article on Sherry Cooper Assoc.

Angela Calla is an 18-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click here to view the latest news on our blog. 

Bank Will Hike Rates At Next Meeting

While markets were 70% certain the Bank would hike their overnight target rate today, we remained of the view that the Governing Council would hold off until March or April because of the slowdown in first-quarter growth arising from the Omicron restrictions. The Bank announced today that economic slack in the economy had been absorbed more rapidly than expected in late October when they last met. “Employment is above pre-pandemic levels, businesses are having a hard time filling job openings, and wage increases are picking up. Unevenness across sectors remains, the Governing Council judges the economy is now operating close to its full capacity.”

Consequently, the Bank now believes that emergency measures arising from the pandemic are no longer necessary. They clearly state that a rising path for interest rates will be required to moderate domestic spending growth and bring inflation back to target. Being mindful that the increasing spread of Omicron will dampen spending in the first quarter, they decided to keep the policy rate unchanged today and to signal that rates will rise going forward. “The timing and pace of those increases will be guided by the Bank’s commitment to achieving the 2% inflation target.”

Notably, the Bank also suggested that another vital policy measure to reduce demand and thereby control inflation is “quantitative tightening” (Q.T.), reducing the central bank’s holdings of Canadian government bonds on its balance sheet. This selling of bonds also raises interest rates. “The Bank will keep the holdings of Government of Canada bonds on our balance sheet roughly constant at least until we begin to raise the policy interest rate. At that time, we will consider exiting the reinvestment phase and reducing the size of our balance sheet by allowing maturing Government of Canada bonds to roll off. As we have done in the past, before implementing changes to our balance sheet management, we will provide more information on our plans.”

The Bank of Canada is very concerned about maintaining its hard-won inflation-fighting credibility. Remember that while Canadian inflation is at a 30-year high–as it is in the rest of the world–at 4.8%, Canadian inflation pales compared to the 7.0% rate in the U.S. and 6.8% rate in the U.K. (see chart below). It is also below the pace of the Euro area. The Bank stated that “CPI inflation remains well above the target range and core measures of inflation have edged up since October. Persistent supply constraints are feeding through to a broader range of goods prices and, combined with higher food and energy prices, are expected to keep CPI inflation close to 5% in the first half of 2022. As supply shortages diminish, inflation is expected to decline reasonably quickly to about 3% by the end of this year and gradually ease towards the target over the projection period. Near-term inflation expectations have moved up, but longer-run expectations remain anchored on the 2% target. The Bank will use its monetary policy tools to ensure that higher near-term inflation expectations do not become embedded in ongoing inflation.”

You can read this article at Sherry Cooper Assoc.

Angela Calla is an 18-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click here to view the latest news on our blog. 

The Bank of Canada has made their announcement to keep interest rates the same today, but we fully expect them to increase later this year. For some, this may be an opportunity for locking in your mortgage.

With the current inflationary pressures, it’s very common to consider if you should lock in your variable rate mortgage. If rates go up and you presently have a variable rate mortgage, this means that the next month your payment will go up with most lenders.

With every 0.25 basis point increase, it’s $13/month per 100k in a mortgage. As an example, if you have a 300k mortgage, expect your payment to go up approx. $40/month

Please keep in mind if you do decide to lock into a fixed rate, we are presently seeing lock-in rates at approximately 3%. This means if you have a mortgage below 2% right now and you decide to lock in now, you are guaranteeing, approximately, an additional 1% in interest to the lender for the “security” of a fixed rate (which would take four increases from the Bank of Canada).

Over time, locking-in has proven not to be the most cost-effective, if, and only IF you have the peace of mind to continue on the path.

At least knowing how the numbers impact you will help you determine what is best for your family, as it is a personal decision.

Knowing what a balancing act the Bank of Canada has ahead, I am not rushing to lock in my variable rate mortgage, as every time I have has been met with regret. This is what experience has taught me in my 18 years of mortgage holding.

There is a saying “life is variable, so your mortgage should be too”, however, peaceful sleep at night can also be worth its weight in gold, knowing that fixed rates are below inflation.

Your first step should be to confirm with your lender directly what your lock-in rate would be, and then feel free to reach out to us! We can then determine if we should update our records or look at making a change to a new mortgage lender if there is a better option out there for you.

Here is a link to the Bank of Canada announcement as well as a link to download our DLC mortgage app to see how your payments could/would change.

Some common lenders contact information to see what lock-in options are:

First National
Portal: https://mymortgage.firstnational.ca/#/
Email address: https://mymortgage.firstnational.ca/#/, or customer.service@firstnational.ca
Phone number: 604-681-5300

Merix
Portal: https://merix.mymortgagedetails.com/
Email address: customerservice@merixfinancial.com
Phone number: 1-877-637-4914

DLC
Portal: https://www.paradigmquest.com/our-brands/dlc/contact-dominion
Email DLCmortgagesupport@paradigmquest.com
Phone number: 1-866-928-6810

RMG
Portal: https://www.rmgmortgages.ca/myrmg/login
Email: mortgagesupport@rmgmortgages.ca
Phone number: 1-866-809-5800

MCAP
Portal https://www.mcap.com/contact-us/residential-mortgages
Email: service@mcap.com
Phone number: 1-800-265-2624

Scotia
Phone number: 1-877-303-8879

TD
Phone number: 1-877-230-6275

HSBC
Phone number: 1-888-310-4722

If you are in a fixed-rate mortgage, creating a budget that counts for where rates are each year will help you avoid future payment/interest rate shock to position you best for your renewal. If you or a loved one needs some help, we are just a phone call or email away!

Angela Calla is an 18-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog. 

In this current ultra-low interest rate environment, I thought it would be a good time to remind those of you with variable-rate mortgages and balances on your lines of credit to take advantage of your current low payments NOW so that you can prepare for if or when rates begin to rise.

With rates being this low, you are likely savings tens, hundreds, or thousands of dollars right now! I often recommend taking a look at what you *could* be paying if you had a higher rate mortgage and then setting aside that difference each month into a savings account. That way, if or when rates start to rise, you will have a slush fund to draw from. If they don’t, you’ll have a nice savings cushion to either continue building upon or to use as a lump-sum prepayment to pay down your mortgage principal (don’t forget – those prepayment privileges are there for you to utilize!).

For example, let’s say you have a $500,000 mortgage balance right now with a 5-year variable rate of 1.50% and a 25-year amortization compared to an estimated 5-year fixed rate of 2.79%.

The monthly payments for each would be $1,999.68 and $2,312.68, respectively. If you set aside that $313 difference per month, you would have an extra $3,756 saved in one year, if rates remain the same. After a five-year mortgage term, that money saved equates to $18,780! Wrap that up into a one-time prepayment and you are knocking off one year and one month off your total mortgage.

After another few more years, that becomes a tremendous amount of equity that can be used to consolidate your debt or further invest in yourself and your family!

Hope this helps some of you! Have a great weekend! ☀️

Angela Calla is a 18-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog.