Autumn Gardening: Three Plants That Are Perfect for Autumn Growing in Vancouver

Marci • September 10, 2014

The days are growing shorter and the leaves are starting to turn – in short, autumn has arrived. Of course, just because the summer has departed doesn’t mean that you can turn your back on your garden and home landscaping. One of the best parts of living in Vancouver is that we enjoy year-round greenery, and with that in mind let’s take a look at three plants that are perfect for your autumn garden.

The Autumn Crocus: Add a Splash of Colour

The autumn crocus – otherwise known as the ‘Colchicum autumnale’ – is a beautiful flower available in a variety of purple, indigo and white hues that blooms with very little effort. Unlike the crocus that bloom in the spring, the autumn types tend to grow without any green foliage which is perfect for adding a vibrant splash of colour to the gardens in the front of your home. You can expect these flowers to stick around for about three weeks after they bloom, after which time they’ll disappear into the ground until the following spring. colchicum-autumnale-in-pdrobot-c

Using Planters? Check out the Gaillardia Fanfare

If you’re using planters or are looking to make a very bold statement, consider the Gaillardia ‘Fanfare’ species. Named for its trumpet-shaped petals, these perennial flowers bloom with a deep scarlet red centre which fans out into a splash of bright yellow. You’ll find that these flowers are very hardy, so you won’t need to worry much if you step out for a quick vacation or forget to water them for a short period of time. They also tend to fare well even in poor quality soil, so if you find that more delicate flowers are having trouble in your garden you may want to give these a shot. If you live in North Vancouver or in a rural setting in the Lower Mainland and you find the occasional deer munching on your flowers, you’ll be pleased to know that the Gaillardia ‘Fanfare’ is rated as deer resistant. Gaillardia Fanfare

Sedum ‘Matrona’: Perennial of the Millennium

You may know the Sedum species by the name ‘Stonecrop’ as they are a popular, dependable choice for autumn gardening. The ‘Matrona’ was named the Plant of the Year by the International Stauden Union in 2000, giving it the nickname ‘Perennial of the Millennium’. Once planted you can expect green foliage which erupts in flowers that are a deep pink in colour. Sedum ‘Matrona’ plants prefer as much sunlight as they can get, so try to keep them out of shady areas. As with the Gaillardia ‘Fanfare’, these flowers are resilient and won’t struggle too much if they are left in dry soil for a short period of time. Sedum Matrona

Are you in need of a new mortgage or are you thinking about refinancing? Whether you’re looking to purchase that new dream home or take some of your home equity out to finance a major purchase, you’ll need the professional services of a mortgage broker. Contact me by email today and I’ll be happy to assist you with your mortgage needs.

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How to Finance a Spousal Buyout After Separation or Divorce

By Marci Deane • November 4, 2026
Mortgage Options During Divorce or Separation: What You Should Know If you’re going through—or considering—a divorce or separation, you may not realize that there are mortgage solutions specifically designed to help one party keep the home . For many people, the family home is their largest asset and where most of their equity is tied up. In situations like this, a spousal buyout program can allow one person to refinance the property and buy out the other party’s share—often up to 95% of the home’s value . This option can work whether you want to keep the home or your former partner does. What Is the Spousal Buyout Program? The spousal buyout program is a refinancing option that allows one owner to purchase the other owner’s share of the property as part of a separation or divorce settlement. In some cases, it can also be used to pay off jointly held debts, as outlined in a legal agreement. Below are some of the most common questions about how the program works. Is a finalized separation agreement required? Yes. Lenders require a signed and finalized separation agreement that clearly outlines how assets and debts are to be divided. This document is essential for approval. Can the funds be used for renovations or personal debts? No. Funds from a spousal buyout can only be used to: Buy out the other owner’s share of equity Pay off joint debts specifically listed in the separation agreement They cannot be used for renovations, personal loans, or unrelated expenses. How much equity can be accessed? The maximum amount available is the amount required to: Buy out the other party’s agreed-upon share of equity Pay off any joint debts listed in the agreement This amount cannot exceed 95% loan-to-value . What is the maximum loan-to-value allowed? The maximum loan-to-value is the lesser of : 95%, or The remaining mortgage balance plus the required buyout and joint debt payout The property must be the primary owner-occupied residence . Do all parties need to be on title? Yes. All individuals involved in the buyout must currently be registered on title. Your solicitor will confirm this through a title search. Does this only apply to married or common-law couples? No. While commonly used for married or common-law couples, the program may also apply to siblings or friends who jointly own a property and need one party to exit the mortgage. These cases are typically reviewed on an exception basis and require insurer approval. If no separation agreement exists, the purchase contract must clearly outline the buyout terms. Is a full appraisal required? Yes. A physical, on-site appraisal is required to confirm the property’s value before the mortgage can be finalized. Final Thoughts This overview covers some of the most common questions about mortgage options during separation or divorce, but every situation is different. Working with an independent mortgage professional gives you access to multiple lenders, specialized programs, and unbiased advice—so you can clearly understand your options and choose what’s best for your future. If you’re navigating a separation and need guidance around keeping or selling the home, feel free to connect anytime. All conversations are handled with discretion and confidentiality, and I’d be happy to walk you through your options.

Bank of Canada Raises Rate to 2.5% — October 28, 2026

By Marci Deane • October 28, 2026
On October 28, 2026, the Bank of Canada raised its key interest rate by 0.25%, bringing it to 2.5%. If you have a mortgage, are shopping for a home, or have a renewal coming up, this decision matters. Here is a plain-language look at what changed, why it happened, and what it could mean for you.

How to Legally Assign a Construction Mortgage

By Marci Deane • October 21, 2026
Why More Mortgage Options Matter—Especially for Assignment Purchases One of the biggest advantages of working with an independent mortgage professional is access to choice. Instead of being limited to one lender and one set of products, mortgage brokers work with multiple lenders—each with different guidelines, risk tolerances, and mortgage solutions. That flexibility becomes especially valuable when your situation doesn’t fit neatly into a “standard” box. A great example of this is purchasing new construction through an assignment contract . Why Assignment Purchases Can Be Challenging Assignment purchases are often viewed as higher risk by traditional lenders. Rather than declining these deals outright, many lenders quietly make them difficult by adding layers of conditions, restrictions, or uncertainty. This can lead to delays, frustration, or financing falling apart late in the process. The Good News There are lenders—available exclusively through the broker channel —that have clear, favourable policies for assignment purchases. With the right lender and proper planning, these transactions are absolutely doable. Typical Financing Requirements for Assignment Purchases While every situation is unique, many lenders that allow assignment financing look for the following: Standard purchase qualification, including income verification, credit, and down payment Assignments accepted at either the original purchase price or current market value Minimum 620 credit score , with no prior bankruptcies or consumer proposals The full down payment must come from the purchaser —seller incentives cannot be used Required Documentation To secure financing, lenders typically require: The original purchase agreement signed by all parties The MLS listing (if applicable) The assignment agreement signed by the builder, original purchaser, and new buyer Any side agreements outlining changes to the purchase price A full appraisal to confirm value This list isn’t exhaustive, but it highlights that while assignment purchases require more coordination, they are very achievable with the right lender and guidance. Final Thoughts Assignment contracts can open doors to great opportunities—but only if your financing supports the transaction. This is where access to multiple lenders and specialized policies makes a real difference. If you’re considering purchasing new construction through an assignment, or if you’d like to explore more traditional purchase options, feel free to connect anytime. I’d be happy to walk you through the mortgage products available and help you choose an option that doesn’t limit your financing possibilities.