- Following 7.6K
- Followers 5.2K
- Engagement 1%
- Avg likes 50
- Avg comments 9
About Parm Rattan Mortgage Broker
Parm Rattan Mortgage Broker (@mortgagesbyparm) is a Local service creator on Instagram, also filed under Finance. The account has 5,163 followers and 285 published posts. Recent posts average 50 likes and 9 comments, an engagement rate of 1%.
Parm Rattan Mortgage Broker belongs to the nano tier, the band usually drawn between 1,000 and 10,000 followers. Parm Rattan Mortgage Broker follows 7,553 accounts, close to one account followed for each of the 5,163 followers. Parm Rattan Mortgage Broker carries Instagram's verified badge and is set up as an Instagram business account. Flinque files Parm Rattan Mortgage Broker under Local service, with Finance as a secondary category.
The Instagram bio for Parm Rattan Mortgage Broker runs to 18 words across 5 lines. Emoji sit alongside the words. The bio also includes contact details, which Flinque does not republish. The latest activity Flinque has on record for Parm Rattan Mortgage Broker dates from May 2026.
Story Highlights
Unlocking shows the title and cover image of every story highlight this creator keeps pinned to the profile.
285 Posts
Of the 10 most recent posts shown for Parm Rattan Mortgage Broker, 9 are carousels and 1 is a video. That mix leans toward carousels. 285 published posts give Parm Rattan Mortgage Broker a moderate archive on Instagram. Against the audience, that is roughly 18 followers for each post published. Parm Rattan Mortgage Broker also keeps 2 story highlights on the profile. All 10 carry captions, averaging 137 words each. The captions are written mainly in English. Words that recur across them include rates, inflation, prices, bank and rate. The captions tag #mortgage, #realestatenews, #canada and #mortgagebroker.
Unemployment climbed to 6.9%, full-time employment declined again, and hiring momentum continues weakening across several industries.
This puts the Bank of Canada in a difficult position. 🤔
On one side, inflation risks still exist because of rising oil prices and global uncertainty. On the other side, a weakening labour market and soft housing activity make future rate hikes harder to justify.
If economic data continues slowing over the next few months, conversations around future rate cuts could grow stronger again. 📉
Nothing is guaranteed, and markets can shift quickly, but weaker employment data generally reduces the likelihood of aggressive Bank of Canada hikes moving forward.
For real estate, this is why many investors and experienced buyers are paying close attention right now while others remain fearful on the sidelines.
The market usually changes before public sentiment does.
Well, rates came down. 🙌
So why doesn’t housing suddenly feel easy again?
Because this market is not moving the way most people expected. 👎
Yes — the Bank of Canada held at 2.25%.
Yes — borrowing costs are better than last year.
But lower Bank of Canada rates alone do NOT automatically create cheaper monthly payments or a booming housing market.
Why?
Because fixed mortgage rates are heavily influenced by bond yields, inflation concerns, and global uncertainty — not just one Bank of Canada announcement.
This is exactly why many buyers sitting on the sidelines waiting for the “perfect moment” may be misunderstanding what’s actually happening. 🤔
Here’s what we’re seeing right now:
✔ softer prices than 2024
✔ lower financing costs than last year
✔ less competition than a hot spring market
✔ more negotiating room for serious buyers
And historically…
the best opportunities usually show up when confidence is low — not when everyone feels comfortable again.
The buyers who understand the market before the headlines catch up are often the ones who benefit the most. ✅
Are you still waiting for rates to drop more before buying?
Comment RATE if you want to know what today’s announcement means for your buying power 👇
Bond yields (which drive fixed mortgage rates) don’t react to good or bad — they react to surprises. And today’s surprise leaned positive.
Yes, energy prices are heating up (gas up 21.2% 😳), and core inflation ticked up to 2.5% — not ideal. But overall, this wasn’t the “uh oh” report many feared given global tensions.
What this means for fixed rates:
• Short-term relief
• Slight downward pressure
• Not a full reversal
• Still data dependent
The reality? Fixed rates could hold or drift slightly lower near-term, but they’re not in a free fall. Rising core inflation and global oil risks (hello Middle East) are still very much in play.
Bottom line:
Better than expected = good for rates
But we’re not out of the woods.
If you’re watching rates closely, this is a step in the right direction — just not the finish line.
Here’s one simple move to ease the pressure:
👉 Consider extending your amortization
Even increasing it by just 5 years could lower your monthly payment by $200–$500.
It’s not about paying forever — it’s about giving yourself breathing room right now. 🙌
Comment "RENEWAL” if you want to see what this could look like for you! 💬
For now, fixed rates under 4% are gone... 🏃♂️💨
Whether you’re buying soon or renewing, waiting could cost you thousands.
📩 Don’t wait – let’s discuss your options now before rates climb even higher.
Oil moved from about $67 to over $100 a barrel.
Canada’s 5-year bond yield moved from 2.67% to above 3%.
Why does that matter?
Fixed mortgage rates are priced off bond yields, and we’re now seeing fixed rates move up across the board.
War, oil prices, inflation expectations, and bond markets are all connected. When energy prices rise quickly, it can push inflation higher, and bond markets react fast.
That reaction is what lenders use when pricing fixed mortgage rates.
The big question now is what happens next and what the Bank of Canada says on March 18.
The past 10 days are a good reminder that markets can change quickly.
Top 5% in the nation — out of 8,500+ brokers in a network that funds more mortgages than any bank, credit union, or trust company in the country.
And within our office, I finished #2, while our brokerage ranks 28th out of 200+ nationwide.
But this award doesn’t belong to me. It belongs to:
• The referral partners who continuously trust me to deliver — because great client experiences are always a team effort.
• The homeowner who went from paying $3,000/month in rent to owning — with a lower mortgage payment.
• The first in their family to ever own a home.
• The self-employed client who kept hearing “no”… until we found the yes.
• The newcomer who built their credit from scratch and bought their first home.
• The family who thought it was years away — and got their keys months later.
Because in a market like this, the difference isn’t luck — it’s who you have in your corner. 👊
Real estate isn’t just numbers. It’s stability. It’s legacy. It’s freedom.
Grateful for every client who trusts me with one of the biggest decisions of their life. 🏡 🙌
January’s inflation report came in cooler than expected, with the annual rate slowing to 2.29% and prices flat compared to last month.
Shelter costs dropped below 2%, rents fell sharply, and gas prices were down 16.7% from last year.
Core inflation also cooled to 2.45% — its lowest level in nearly five years.
What does this mean? A 2025 rate hike now looks unlikely. Cut odds are rising, and pressure on borrowers is finally easing. Fixed rates could also see some relief if this trend continues.
If you have a variable/adjustable rate mortgage, this is the kind of update you’ve been waiting for! 😄
📊 Bank of Canada holds interest rate at 2.25 % today — keeping borrowing costs steady as inflation remains close to target and economic growth shows mixed signals.
Policymakers are taking a wait-and-see approach amid ongoing uncertainty, including global trade pressures and slowing demand.
The Bank signaled that future rate moves will depend on how inflation, employment, and overall economic data evolve, keeping markets, borrowers, and homeowners closely watching the months ahead. 🇨🇦
No change for any variable and adjustable rate mortgage holders. ✅
If you have balance on a line of credit, there will be no change to the interest payment. ✅
#mortgage #realestatenews #canada🇨🇦
Prices jumped this month, thanks to temporary tax breaks ending and big price increases in restaurants, toys, and alcohol.
The “GST and HST Holiday” ended Feb 15, 2025, so these base year effects will continue affecting prices over the next two months. 😬
But here’s the good news: core inflation — the measure that strips out temporary spikes — is falling.
Core is now 2.8%, and the median CPI is 2.5%, the lowest since January 2025! 📉
Why it matters: the Bank of Canada watches core inflation closely to make decisions on interest rates.
Lower core numbers mean less pressure to hike rates, and even rate cuts are not out of the question in the future.
Swipe through to see:
➡️ What caused the jump
➡️ Where prices increased most
➡️ Why core inflation gives hope
Bottom line: Keep an eye on your budget, but don’t panic — the temporary spike will fade, and underlying prices are slowly easing. ✅
#mortgage #mortgagebroker #realestatenews #canada🇨🇦
Parm Rattan Mortgage Broker's engagement
Parm Rattan Mortgage Broker's engagement rate on Instagram is 1%, between 1% and 3%, or 1 to 3 likes and comments per 100 followers. On a typical post that comes to about 1 like or comment for every 100 followers. Comments stay close to likes on Parm Rattan Mortgage Broker's posts, at 50 likes and 9 comments on average, about 5.6 likes per comment.
Engagement rate
1%
- Avg likes
- 50
- Avg comments
- 9
- Interactions : followers
- 1 : 100
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Frequently asked questions
These answers about Parm Rattan Mortgage Broker are generated from the Instagram profile data Flinque holds for the account.
Who is Parm Rattan Mortgage Broker?
Parm Rattan Mortgage Broker (@mortgagesbyparm) is a Local service creator on Instagram, also filed under Finance. Parm Rattan Mortgage Broker carries Instagram's verified badge and is set up as an Instagram business account. The Instagram bio for Parm Rattan Mortgage Broker runs to 18 words across 5 lines.
How many followers does Parm Rattan Mortgage Broker have?
Parm Rattan Mortgage Broker has 5,163 followers on Instagram (5.2K). Parm Rattan Mortgage Broker follows 7,553 accounts, close to one account followed for each of the 5,163 followers. 285 published posts give Parm Rattan Mortgage Broker a moderate archive on Instagram.
What is Parm Rattan Mortgage Broker's engagement rate?
Parm Rattan Mortgage Broker's engagement rate on Instagram is 1%, between 1% and 3%, or 1 to 3 likes and comments per 100 followers. On a typical post that comes to about 1 like or comment for every 100 followers. Comments stay close to likes on Parm Rattan Mortgage Broker's posts, at 50 likes and 9 comments on average, about 5.6 likes per comment.
What does Parm Rattan Mortgage Broker post about on Instagram?
Flinque files Parm Rattan Mortgage Broker under Local service, with Finance as a secondary category. Of the 10 most recent posts shown for Parm Rattan Mortgage Broker, 9 are carousels and 1 is a video. The 10 recent Instagram captions Flinque holds for Parm Rattan Mortgage Broker repeatedly use the words rates, inflation, prices, bank and rate. Parm Rattan Mortgage Broker's captions carry hashtags such as #mortgage, #realestatenews and #canada. Parm Rattan Mortgage Broker writes those captions mainly in English. Parm Rattan Mortgage Broker keeps 2 story highlights, which open with a free Flinque account.
How do I contact Parm Rattan Mortgage Broker for a collaboration?
Parm Rattan Mortgage Broker's contact details are not published on Flinque's public profile. The Instagram bio links to 1 external site, and a free Flinque account opens that link. The account is registered as an Instagram business account. The bio carries contact details of its own, which Flinque does not copy. Brands with a free Flinque account can shortlist Parm Rattan Mortgage Broker and use Flinque's outreach tools wherever a contact route is on file.
Links
Parm Rattan Mortgage Broker's own Instagram profile is the one outbound link Flinque publishes for the account, and the bio link opens after signing up.
Public profile data sourced from Instagram. Flinque is not affiliated with Parm Rattan Mortgage Broker.