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Lisa Belanger Mortgages

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💔 Going through a separation and planning to buy a new home?

One of the biggest mistakes I see is setting your closing date too close to the finalization of your separation agreement.

If the other party’s financing falls through, or funds don’t transfer on time, you could end up scrambling — needing a private mortgage or help to close.

✅ Always make sure you have your money in hand before buying
✅ Get all the legal details finalized first
✅ Take emotion out of the numbers — focus on what’s next

It’s a tough process, but with the right plan (and people) in place, you can move forward confidently. 💪

#SeparationAdvice #MortgageTips #DivorceAndFinances #MortgageBroker #RefinanceOptions #MortgageHelp #FinancialWellness #LisaBelangerMortgages #OttawaBroker

💔 Going through a separation and planning to buy a new home?

One of the biggest mistakes I see is setting your closing date too close to the finalization of your separation agreement.

If the other party’s financing falls through, or funds don’t transfer on time, you could end up scrambling — needing a private mortgage or help to close.

✅ Always make sure you have your money in hand before buying
✅ Get all the legal details finalized first
✅ Take emotion out of the numbers — focus on what’s next

It’s a tough process, but with the right plan (and people) in place, you can move forward confidently. 💪

#SeparationAdvice #MortgageTips #DivorceAndFinances #MortgageBroker #RefinanceOptions #MortgageHelp #FinancialWellness #LisaBelangerMortgages #OttawaBroker

💰 Is 5% still the standard down payment in Canada?

Yes — but with a few important details 👇

🏠 You can put 5% down — but only on the first $500,000 of your home’s price.

Anything above that? You’ll need 10% on the remainder.

✅ You don’t have to be a first-time buyer to qualify for the minimum down payment — that’s an old myth still floating around!

In Ottawa, as prices rise, those calculations get a little tricky — especially once you’re buying over $1M (where lenders often require 20%+).

If you’re unsure what your down payment should look like, I can help you figure out exactly what fits your situation. 💬

#DownPayment #FirstTimeHomeBuyer #MortgageTips #MortgageBroker #CanadianRealEstate #OttawaHomes #HomeBuyingJourney #MortgageAdvice #LisaBelangerMortgages #OttawaBroker

💰 Is 5% still the standard down payment in Canada?

Yes — but with a few important details 👇

🏠 You can put 5% down — but only on the first $500,000 of your home’s price.

Anything above that? You’ll need 10% on the remainder.

✅ You don’t have to be a first-time buyer to qualify for the minimum down payment — that’s an old myth still floating around!

In Ottawa, as prices rise, those calculations get a little tricky — especially once you’re buying over $1M (where lenders often require 20%+).

If you’re unsure what your down payment should look like, I can help you figure out exactly what fits your situation. 💬

#DownPayment #FirstTimeHomeBuyer #MortgageTips #MortgageBroker #CanadianRealEstate #OttawaHomes #HomeBuyingJourney #MortgageAdvice #LisaBelangerMortgages #OttawaBroker

💡 The Bank of Canada just cut its key rate by 0.25% — here’s what it means for your mortgage:

📉 The overnight rate is now 2.25%, which means the prime rate is expected to drop slightly too. That’s welcome news for variable-rate mortgage holders!

🏠 If you have a variable-rate mortgage:
Your payments could drop a bit — or if you’re on a fixed-payment variable, more of your money will now go toward paying down the principal.

💰 If you’re on a fixed rate:
Your rate won’t change right away, but this move could start to push bond yields (and fixed rates) lower over time — good news if you’re renewing soon!

📊 The Bank made this decision because the economy has slowed, unemployment is up, and inflation has settled near their 2% target.

👉 Bottom line: borrowing costs are finally starting to ease — and that’s great news if you’re thinking about buying, refinancing, or renewing soon.

📩 Send me a message or give me a call — I’ll help you understand how this change could affect your payments and what options might make sense for you.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

💡 The Bank of Canada just cut its key rate by 0.25% — here’s what it means for your mortgage:

📉 The overnight rate is now 2.25%, which means the prime rate is expected to drop slightly too. That’s welcome news for variable-rate mortgage holders!

🏠 If you have a variable-rate mortgage:
Your payments could drop a bit — or if you’re on a fixed-payment variable, more of your money will now go toward paying down the principal.

💰 If you’re on a fixed rate:
Your rate won’t change right away, but this move could start to push bond yields (and fixed rates) lower over time — good news if you’re renewing soon!

📊 The Bank made this decision because the economy has slowed, unemployment is up, and inflation has settled near their 2% target.

👉 Bottom line: borrowing costs are finally starting to ease — and that’s great news if you’re thinking about buying, refinancing, or renewing soon.

📩 Send me a message or give me a call — I’ll help you understand how this change could affect your payments and what options might make sense for you.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

🏡 Got an appraisal coming up for your refinance?

Here’s the truth: how your home looks can impact your appraised value.
If your place is cluttered, packed with boxes, or feels messy, the appraiser (and the lender reviewing those photos) can’t see the condition of your walls, floors, or layout — and that can hurt your valuation.

✅ Keep it clutter-free
✅ Clear the floors and walls
✅ Make sure every room is photo-ready

You don’t need a full renovation — just a clean, tidy home that shows well!

#HomeAppraisalTips #RefinanceAdvice #MortgageTips #MortgageBroker #HomeValue #RefinanceSmart #CanadianMortgage #LisaBelangerMortgages #OttawaBroker

🏡 Got an appraisal coming up for your refinance?

Here’s the truth: how your home looks can impact your appraised value.
If your place is cluttered, packed with boxes, or feels messy, the appraiser (and the lender reviewing those photos) can’t see the condition of your walls, floors, or layout — and that can hurt your valuation.

✅ Keep it clutter-free
✅ Clear the floors and walls
✅ Make sure every room is photo-ready

You don’t need a full renovation — just a clean, tidy home that shows well!

#HomeAppraisalTips #RefinanceAdvice #MortgageTips #MortgageBroker #HomeValue #RefinanceSmart #CanadianMortgage #LisaBelangerMortgages #OttawaBroker

💰 So… how much should you budget for closing costs?

When you buy a home, you’ll need to account for:
🏡 Land transfer tax
💸 Property tax adjustments (if the seller’s already paid ahead)
📑 Legal fees & disbursements

A good rule of thumb? Set aside 1.5% to 2% of the purchase price for closing costs.

✅ Bonus tip: If you’re a first-time homebuyer, you may qualify for the Ontario Land Transfer Tax refund — up to $4,000 back!

Every dollar counts when you’re buying your first home — let’s make sure you’re prepared from day one.

#FirstTimeHomeBuyer #ClosingCosts #HomeBuyingTips #MortgageAdvice #OttawaRealEstate #MortgageBroker #MortgageHelp #LisaBelangerMortgages #CanadianHomebuyers #OttawaBroker #mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

💰 So… how much should you budget for closing costs?

When you buy a home, you’ll need to account for:
🏡 Land transfer tax
💸 Property tax adjustments (if the seller’s already paid ahead)
📑 Legal fees & disbursements

A good rule of thumb? Set aside 1.5% to 2% of the purchase price for closing costs.

✅ Bonus tip: If you’re a first-time homebuyer, you may qualify for the Ontario Land Transfer Tax refund — up to $4,000 back!

Every dollar counts when you’re buying your first home — let’s make sure you’re prepared from day one.

#FirstTimeHomeBuyer #ClosingCosts #HomeBuyingTips #MortgageAdvice #OttawaRealEstate #MortgageBroker #MortgageHelp #LisaBelangerMortgages #CanadianHomebuyers #OttawaBroker #mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Most homeowners auto-renew their mortgage without a second thought — and it’s costing them thousands.

Banks rely on “renewal inertia,” sending quick offers that look convenient but often aren’t competitive. Even a 0.20% difference in rate can add up to thousands over your next term.

Your renewal is one of the best opportunities to reassess your goals — maybe shorten your amortization, access equity, or simply lower your rate.

Before you click “renew,” reach out to me. I’ll compare your options, negotiate with your lender, and make sure your renewal actually works for you — not just your bank.

📩 Let’s turn your renewal into a money-saving opportunity.

Read more in my latest article!

Link in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Most homeowners auto-renew their mortgage without a second thought — and it’s costing them thousands.

Banks rely on “renewal inertia,” sending quick offers that look convenient but often aren’t competitive. Even a 0.20% difference in rate can add up to thousands over your next term.

Your renewal is one of the best opportunities to reassess your goals — maybe shorten your amortization, access equity, or simply lower your rate.

Before you click “renew,” reach out to me. I’ll compare your options, negotiate with your lender, and make sure your renewal actually works for you — not just your bank.

📩 Let’s turn your renewal into a money-saving opportunity.

Read more in my latest article!

Link in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

💡 Is it ever worth paying a penalty to refinance your mortgage?

Absolutely — if the math makes sense.
Right now, a lot of homeowners are refinancing to free up cash flow or roll high-interest debt (like 20%+ credit cards) into a much lower mortgage rate.

The key is making sure you’ll earn that penalty back — often by your current maturity date — and walk away saving thousands in interest.

If you’re wondering if it’s worth it for you, let’s crunch the numbers together 🔢💬

#MortgageRefinance #DebtConsolidation #MortgageBroker #MortgageAdvice #RefinanceSavings #FinancialTips #CashFlow #CanadianFinance #LisaBelangerMortgages #OttawaBroker #mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

💡 Is it ever worth paying a penalty to refinance your mortgage?

Absolutely — if the math makes sense.
Right now, a lot of homeowners are refinancing to free up cash flow or roll high-interest debt (like 20%+ credit cards) into a much lower mortgage rate.

The key is making sure you’ll earn that penalty back — often by your current maturity date — and walk away saving thousands in interest.

If you’re wondering if it’s worth it for you, let’s crunch the numbers together 🔢💬

#MortgageRefinance #DebtConsolidation #MortgageBroker #MortgageAdvice #RefinanceSavings #FinancialTips #CashFlow #CanadianFinance #LisaBelangerMortgages #OttawaBroker #mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

💳 That credit card balance isn’t just sitting there... it’s growing.

Most people don’t realize that after your grace period, your credit card starts charging interest daily — and if you’re only making minimum payments, that “one-year” payoff plan can turn into a 100-year cycle 😬

If you’re feeling stuck in that revolving debt trap, there are better ways to get control. Let’s chat about your options 👇

#CreditCardDebt #FinancialTips #MortgageBroker #DebtFreeJourney #CanadianFinance #MoneySmart #MortgageAdvice #LisaBelangerMortgages #OttawaBroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

💳 That credit card balance isn’t just sitting there... it’s growing.

Most people don’t realize that after your grace period, your credit card starts charging interest daily — and if you’re only making minimum payments, that “one-year” payoff plan can turn into a 100-year cycle 😬

If you’re feeling stuck in that revolving debt trap, there are better ways to get control. Let’s chat about your options 👇

#CreditCardDebt #FinancialTips #MortgageBroker #DebtFreeJourney #CanadianFinance #MoneySmart #MortgageAdvice #LisaBelangerMortgages #OttawaBroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

💡 Reverse mortgages are on the rise — but not for the reason you might think!

Many homeowners are now using them to gift down payments to their adult children or grandkids — helping the next generation get into the market now, instead of waiting for an inheritance later. 🏡✨

It’s all about smart estate planning and making the most of your home’s value — without giving it up.

#ReverseMortgage #EstatePlanning #WealthTransfer #RealEstateTips #HomeOwnership #FinancialPlanning #mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

💡 Reverse mortgages are on the rise — but not for the reason you might think!

Many homeowners are now using them to gift down payments to their adult children or grandkids — helping the next generation get into the market now, instead of waiting for an inheritance later. 🏡✨

It’s all about smart estate planning and making the most of your home’s value — without giving it up.

#ReverseMortgage #EstatePlanning #WealthTransfer #RealEstateTips #HomeOwnership #FinancialPlanning #mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

💡 First-time homebuyers, don’t miss out on free money!

The First Home Savings Account (FHSA) is like an RRSP and TFSA combined:
✅ Contributions give you a tax deduction (hello, bigger tax refund 👋)
✅ Funds grow tax-free
✅ You can use it toward your first home purchase — without paying it back

You can contribute up to $8,000 per year (max $40,000). If you skip a year, you can only carry forward one year’s room — so don’t leave that money on the table!

Thinking about buying in the next 15 years? Open your FHSA today and set yourself up for success 🏡✨

💡 First-time homebuyers, don’t miss out on free money!

The First Home Savings Account (FHSA) is like an RRSP and TFSA combined:
✅ Contributions give you a tax deduction (hello, bigger tax refund 👋)
✅ Funds grow tax-free
✅ You can use it toward your first home purchase — without paying it back

You can contribute up to $8,000 per year (max $40,000). If you skip a year, you can only carry forward one year’s room — so don’t leave that money on the table!

Thinking about buying in the next 15 years? Open your FHSA today and set yourself up for success 🏡✨

Saving for your down payment is only half the story! 🏡

When buying a home, don’t forget about the “hidden costs” like land transfer tax, legal fees, inspections, and moving expenses.

Planning for these ahead of time can save you from last-minute stress.

💬 Thinking about buying your first home? Let’s sit down and go over all the numbers together.

Link in my bio for full article with all the details!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #FirstTimeHomeBuyer #MortgageTips #OttawaRealEstate #HiddenCosts #LisaBelangerMortgage

Saving for your down payment is only half the story! 🏡

When buying a home, don’t forget about the “hidden costs” like land transfer tax, legal fees, inspections, and moving expenses.

Planning for these ahead of time can save you from last-minute stress.

💬 Thinking about buying your first home? Let’s sit down and go over all the numbers together.

Link in my bio for full article with all the details!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #FirstTimeHomeBuyer #MortgageTips #OttawaRealEstate #HiddenCosts #LisaBelangerMortgage

Most people think choosing a mortgage comes down to one thing: the interest rate. ✅

But here’s the truth: a mortgage is about so much more than just the number you see on paper.

Two lenders might offer you the exact same rate—but the fine print could make a massive difference in your future. Things like:

How expensive are the penalties if you need to break your mortgage early?

Are you locked in, or do you have flexibility to refinance or access equity when you need it?

What happens at renewal—are you forced to stay with the same lender or face extra fees if you switch?

That’s where a mortgage broker comes in. Unlike the bank, a broker works with dozens of lenders, knows the differences between products, and can explain the nuances that could save you thousands of dollars (and a ton of stress) down the road.

So yes, the rate matters—but the right product matters more. A broker’s job is to make sure you’re comparing apples to apples, not just numbers on a page. 🍎

When in doubt: talk to a broker first. It could be the smartest financial move you make in your homeownership journey.

Most people think choosing a mortgage comes down to one thing: the interest rate. ✅

But here’s the truth: a mortgage is about so much more than just the number you see on paper.

Two lenders might offer you the exact same rate—but the fine print could make a massive difference in your future. Things like:

How expensive are the penalties if you need to break your mortgage early?

Are you locked in, or do you have flexibility to refinance or access equity when you need it?

What happens at renewal—are you forced to stay with the same lender or face extra fees if you switch?

That’s where a mortgage broker comes in. Unlike the bank, a broker works with dozens of lenders, knows the differences between products, and can explain the nuances that could save you thousands of dollars (and a ton of stress) down the road.

So yes, the rate matters—but the right product matters more. A broker’s job is to make sure you’re comparing apples to apples, not just numbers on a page. 🍎

When in doubt: talk to a broker first. It could be the smartest financial move you make in your homeownership journey.

Your home isn’t just a place to live—it’s also one of your most powerful financial tools.

Let’s explore how your home equity could work for you.

Check out the link in my bio for the best tips!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #HomeEquity #Refinance #MortgageBroker #OttawaRealEstate #LisaBelangerMortgage

Your home isn’t just a place to live—it’s also one of your most powerful financial tools.

Let’s explore how your home equity could work for you.

Check out the link in my bio for the best tips!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #HomeEquity #Refinance #MortgageBroker #OttawaRealEstate #LisaBelangerMortgage

📉 Big News: The Bank of Canada just lowered its policy rate from 2.75% to 2.50%

Why? The economy is showing signs of slowing, job growth has softened, and inflation pressures are easing. By cutting rates, the Bank is trying to give households and businesses some breathing room while still keeping inflation under control.

👉 What this means for you:

Variable-rate mortgages: Expect some relief soon — your payments may go down, or more of your payment will start tackling the principal.

Fixed-rate mortgages: Less immediate change, since fixed rates follow bond yields. If markets believe more cuts are coming, fixed rates could ease gradually.

Renewals: You may still face higher rates than before, but today’s move could slow that climb.

New buyers: Lower borrowing costs might improve affordability, though housing demand could pick up as well.

⚠️ Keep in mind: rate cuts take time to filter through the economy, and housing prices could respond to cheaper borrowing.

📌 Bottom line: This is welcome news for mortgage holders — especially those on variable rates — and a sign that the Bank sees the economy cooling. If you’re renewing or considering a purchase, it’s a great time to review your options with a broker.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

📉 Big News: The Bank of Canada just lowered its policy rate from 2.75% to 2.50%

Why? The economy is showing signs of slowing, job growth has softened, and inflation pressures are easing. By cutting rates, the Bank is trying to give households and businesses some breathing room while still keeping inflation under control.

👉 What this means for you:

Variable-rate mortgages: Expect some relief soon — your payments may go down, or more of your payment will start tackling the principal.

Fixed-rate mortgages: Less immediate change, since fixed rates follow bond yields. If markets believe more cuts are coming, fixed rates could ease gradually.

Renewals: You may still face higher rates than before, but today’s move could slow that climb.

New buyers: Lower borrowing costs might improve affordability, though housing demand could pick up as well.

⚠️ Keep in mind: rate cuts take time to filter through the economy, and housing prices could respond to cheaper borrowing.

📌 Bottom line: This is welcome news for mortgage holders — especially those on variable rates — and a sign that the Bank sees the economy cooling. If you’re renewing or considering a purchase, it’s a great time to review your options with a broker.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Why settle for just one option at the bank?

I have access to 30+ lenders and can find the mortgage that works best for YOU.

And the best part?

In most cases, my services are free!

Read more in my latest article - link in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgageBroker #OttawaMortgage #MortgageTips #LisaBelangerMortgage

Why settle for just one option at the bank?

I have access to 30+ lenders and can find the mortgage that works best for YOU.

And the best part?

In most cases, my services are free!

Read more in my latest article - link in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgageBroker #OttawaMortgage #MortgageTips #LisaBelangerMortgage

Renewals aren’t just about getting a new rate anymore—they’re about survival for many Canadians. 💡

We’re getting creative with cash flow solutions:

Extending amortizations (yes, up to 30 years!)

Consolidating debt into one manageable payment

Freeing up hundreds—sometimes thousands—per month.

One recent client saved $2,600/month by restructuring their mortgage.

📲 Struggling with renewal options? Let’s chat about how to make your mortgage work for you.

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Renewals aren’t just about getting a new rate anymore—they’re about survival for many Canadians. 💡

We’re getting creative with cash flow solutions:

Extending amortizations (yes, up to 30 years!)

Consolidating debt into one manageable payment

Freeing up hundreds—sometimes thousands—per month.

One recent client saved $2,600/month by restructuring their mortgage.

📲 Struggling with renewal options? Let’s chat about how to make your mortgage work for you.

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Pre-approval isn’t just paperwork—it’s your ticket to buying with confidence.

It locks in your rate, shows sellers you’re serious, and helps you shop within your budget.

Let’s get you pre-approved today!

Read my full article in my bio for more pre-approval benefits!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #FirstTimeHomeBuyer #MortgagePreApproval #OttawaHomes #LisaBelangerMortgage

Pre-approval isn’t just paperwork—it’s your ticket to buying with confidence.

It locks in your rate, shows sellers you’re serious, and helps you shop within your budget.

Let’s get you pre-approved today!

Read my full article in my bio for more pre-approval benefits!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #FirstTimeHomeBuyer #MortgagePreApproval #OttawaHomes #LisaBelangerMortgage

Did you know most lenders won’t touch a mortgage under $50,000? 💡

Some need at least $100K–$150K to make it worth covering transfer fees. If your mortgage is smaller, a line of credit might be the smarter move—it’s fully open, and you can pay it down faster.

For anyone renewing in late 2025 or 2026: FLEXIBILITY is key. Start planning early, and remember, rate isn’t everything—your mortgage should fit your lifestyle and cash flow.

📲 Want to talk strategy for your next renewal? Let’s chat!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Did you know most lenders won’t touch a mortgage under $50,000? 💡

Some need at least $100K–$150K to make it worth covering transfer fees. If your mortgage is smaller, a line of credit might be the smarter move—it’s fully open, and you can pay it down faster.

For anyone renewing in late 2025 or 2026: FLEXIBILITY is key. Start planning early, and remember, rate isn’t everything—your mortgage should fit your lifestyle and cash flow.

📲 Want to talk strategy for your next renewal? Let’s chat!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

👉 Renewal coming up?

Don’t just sign your lender’s first offer. That “convenience” could cost you thousands. Let me shop the market and negotiate on your behalf—at no cost to you!

📩 Message me today to talk about your renewal options.

Full article in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgageRenewal #MortgageTips #OttawaRealEstate #LisaBelangerMortgage

👉 Renewal coming up?

Don’t just sign your lender’s first offer. That “convenience” could cost you thousands. Let me shop the market and negotiate on your behalf—at no cost to you!

📩 Message me today to talk about your renewal options.

Full article in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgageRenewal #MortgageTips #OttawaRealEstate #LisaBelangerMortgage

Variable or fixed? 🤔

Many clients are leaning variable right now—and here’s why:

Variable rates are currently lower.

If rates drop, you pay off more principal faster.

You can always lock into a fixed later if things change.

Fixed feels 'secure,' but the penalties can be massive if you want to break it early.

💬 Which would you choose today—variable or fixed?

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Variable or fixed? 🤔

Many clients are leaning variable right now—and here’s why:

Variable rates are currently lower.

If rates drop, you pay off more principal faster.

You can always lock into a fixed later if things change.

Fixed feels 'secure,' but the penalties can be massive if you want to break it early.

💬 Which would you choose today—variable or fixed?

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Thinking about buying your first home?

Avoid these 5 common mistakes!

A mortgage broker (like me!) can help you avoid hidden pitfalls and make the process stress-free.

Ready to start? Send me a DM or comment “READY” to get pre-approved today!

https://www.lisabelangermortgages.com/blog

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Thinking about buying your first home?

Avoid these 5 common mistakes!

A mortgage broker (like me!) can help you avoid hidden pitfalls and make the process stress-free.

Ready to start? Send me a DM or comment “READY” to get pre-approved today!

https://www.lisabelangermortgages.com/blog

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Variable vs. Fixed: Which is winning right now? 📉

Variable rates are currently cheaper than fixed, but there’s more to the story—penalties, discounts, and timing all play a big role.

Fixed rates aren’t dropping anytime soon, and shorter terms can come with sneaky penalty traps if rates shift.

💬 Not sure which option is best for you? Let’s break it down together and find the right strategy for your mortgage!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Variable vs. Fixed: Which is winning right now? 📉

Variable rates are currently cheaper than fixed, but there’s more to the story—penalties, discounts, and timing all play a big role.

Fixed rates aren’t dropping anytime soon, and shorter terms can come with sneaky penalty traps if rates shift.

💬 Not sure which option is best for you? Let’s break it down together and find the right strategy for your mortgage!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

How much do you really need for a down payment?

It depends on your purchase price and whether you want to avoid mortgage default insurance.

Let’s find out what’s right for your situation!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

How much do you really need for a down payment?

It depends on your purchase price and whether you want to avoid mortgage default insurance.

Let’s find out what’s right for your situation!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

You pay your rent every month—so why doesn’t it boost your credit score? 🤔

Rent payments aren’t reported on credit reports (yet), even though they’re a major indicator of financial responsibility. Meanwhile, your cell phone bill is on there!

Imagine how much easier it would be for renters to qualify for a mortgage if this changed. 👀

💬 Do you think rent payments should count toward your credit score?

Let me know in the comments!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

You pay your rent every month—so why doesn’t it boost your credit score? 🤔

Rent payments aren’t reported on credit reports (yet), even though they’re a major indicator of financial responsibility. Meanwhile, your cell phone bill is on there!

Imagine how much easier it would be for renters to qualify for a mortgage if this changed. 👀

💬 Do you think rent payments should count toward your credit score?

Let me know in the comments!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Your renewal is your chance to save thousands — but most Canadians just sign the bank’s offer without a second look!

Let me compare the market for you and find you a better deal, often at no cost to you.

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Your renewal is your chance to save thousands — but most Canadians just sign the bank’s offer without a second look!

Let me compare the market for you and find you a better deal, often at no cost to you.

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

"How much of your income should really go toward your mortgage? 🏡💰

The magic number: 39% of your gross income (a.k.a. your Gross Debt Service ratio). In some cases, lenders may allow up to 44% if you’re debt-free and financially strong.

Saving for a home can feel impossible when rent eats up your income—that’s why many first-time buyers are staying home longer to build their down payment faster.

💬 Want to know what you can afford and how to save smarter? Let’s talk strategy!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

"How much of your income should really go toward your mortgage? 🏡💰

The magic number: 39% of your gross income (a.k.a. your Gross Debt Service ratio). In some cases, lenders may allow up to 44% if you’re debt-free and financially strong.

Saving for a home can feel impossible when rent eats up your income—that’s why many first-time buyers are staying home longer to build their down payment faster.

💬 Want to know what you can afford and how to save smarter? Let’s talk strategy!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Pre-approval gives you a real budget and shows sellers you mean business.

These are the documents you’ll need — and I’ll guide you through the process so it’s simple and fast.

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Pre-approval gives you a real budget and shows sellers you mean business.

These are the documents you’ll need — and I’ll guide you through the process so it’s simple and fast.

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Retiring with a mortgage? You’re not alone. 🏡✨

Reverse mortgages are becoming a game-changer for Canadians who want to stay in their homes, access their equity, and enjoy retirement—without monthly mortgage payments.

You can unlock up to 55% of your home’s value (depending on age and other factors) while still owning your home and living comfortably on a fixed income.

💬 Thinking about a reverse mortgage? Let’s chat about how it could help you enjoy retirement on YOUR terms.

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #reversemortgage

Retiring with a mortgage? You’re not alone. 🏡✨

Reverse mortgages are becoming a game-changer for Canadians who want to stay in their homes, access their equity, and enjoy retirement—without monthly mortgage payments.

You can unlock up to 55% of your home’s value (depending on age and other factors) while still owning your home and living comfortably on a fixed income.

💬 Thinking about a reverse mortgage? Let’s chat about how it could help you enjoy retirement on YOUR terms.

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #reversemortgage

BREAKING!

The Bank of Canada announces no change to the key interest rate! Previously at 2.75%, there will be no change and will remain at 2.75%.

The overnight rate is the interest rate the Bank of Canada charges commercial banks for short-term loans. While it might seem far removed from your mortgage, it actually has a direct impact—especially if you have a variable-rate mortgage or a home equity line of credit (HELOC).

Here’s how it works:

Variable-rate & adjustable-rate mortgages are tied to your lender’s prime rate, which usually moves in step with the Bank of Canada’s overnight rate. So, when the overnight rate goes up, your mortgage rate and payments often go up too—and vice versa.

Fixed-rate mortgages aren’t directly tied to the overnight rate but can still be affected. That's because fixed rates are influenced by bond yields, which are in turn affected by the Bank’s decisions and outlook on inflation, economic growth, and rate direction.

Even though the Bank of Canada just held the overnight rate steady at 2.75%, continued uncertainty in trade and inflation could impact where rates go next—and that’s something every mortgage holder should be paying attention to.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

BREAKING!

The Bank of Canada announces no change to the key interest rate! Previously at 2.75%, there will be no change and will remain at 2.75%.

The overnight rate is the interest rate the Bank of Canada charges commercial banks for short-term loans. While it might seem far removed from your mortgage, it actually has a direct impact—especially if you have a variable-rate mortgage or a home equity line of credit (HELOC).

Here’s how it works:

Variable-rate & adjustable-rate mortgages are tied to your lender’s prime rate, which usually moves in step with the Bank of Canada’s overnight rate. So, when the overnight rate goes up, your mortgage rate and payments often go up too—and vice versa.

Fixed-rate mortgages aren’t directly tied to the overnight rate but can still be affected. That's because fixed rates are influenced by bond yields, which are in turn affected by the Bank’s decisions and outlook on inflation, economic growth, and rate direction.

Even though the Bank of Canada just held the overnight rate steady at 2.75%, continued uncertainty in trade and inflation could impact where rates go next—and that’s something every mortgage holder should be paying attention to.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Not sure whether to go fixed or variable?

Let me break it down: Fixed rates lock in your payments for the term, while variable rates fluctuate with the market — which could save or cost you depending on rate changes.

Want a personalized analysis of which option fits your budget?

Let's chat!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Not sure whether to go fixed or variable?

Let me break it down: Fixed rates lock in your payments for the term, while variable rates fluctuate with the market — which could save or cost you depending on rate changes.

Want a personalized analysis of which option fits your budget?

Let's chat!

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

"Uncle Charlie might mean well, but he’s not your mortgage expert! 👀

The #1 mistake people make when getting a mortgage? Listening to the wrong advice.

Your home is likely the biggest investment you’ll ever make—don’t risk it on outdated tips or hearsay. 💡

Talk to a professional who does this day in and day out (and no, that’s not your neighbour’s cousin’s friend).

📲 Ready to get real advice and a plan that works for YOU? Let’s chat!"

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

"Uncle Charlie might mean well, but he’s not your mortgage expert! 👀

The #1 mistake people make when getting a mortgage? Listening to the wrong advice.

Your home is likely the biggest investment you’ll ever make—don’t risk it on outdated tips or hearsay. 💡

Talk to a professional who does this day in and day out (and no, that’s not your neighbour’s cousin’s friend).

📲 Ready to get real advice and a plan that works for YOU? Let’s chat!"

Click the link in my bio to get started!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

❌ Myth: Fixed rates are always best

❌ Myth: I can’t negotiate at renewal

❌ Myth: My bank is my only option

👉 The truth? Every situation is different — and a broker helps you see ALL your options, not just the ones your bank offers.

💬 Let’s talk about what’s best for YOU — not what the myths say you should do!

Click the link in my bio for more information!

Music by @itsilladelph

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgageMyths #MortgageAdvice #CanadianMortgage #MortgageBroker #FixedOrVariable #RenewalTips #MortgagePlanning
#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

❌ Myth: Fixed rates are always best

❌ Myth: I can’t negotiate at renewal

❌ Myth: My bank is my only option

👉 The truth? Every situation is different — and a broker helps you see ALL your options, not just the ones your bank offers.

💬 Let’s talk about what’s best for YOU — not what the myths say you should do!

Click the link in my bio for more information!

Music by @itsilladelph

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgageMyths #MortgageAdvice #CanadianMortgage #MortgageBroker #FixedOrVariable #RenewalTips #MortgagePlanning
#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

🔑 Thinking of renovations as part of your home purchase? Here’s what you need to know.

✅ A line of credit can help with improvements — but timing is everything.
✅ Always get contractor quotes before submitting to the lender.
✅ Your broker, realtor, and contractors need to work as a team to make it happen.

💡 It’s all about the plan — not just the loan.

Let’s talk strategy before you buy!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #HomeRenovation #PurchasePlusImprovements #MortgageBroker #CanadianMortgages #OttawaHomes #RealEstateTips #FirstTimeHomebuyer #MortgageAdvice #HomeUpgrades

🔑 Thinking of renovations as part of your home purchase? Here’s what you need to know.

✅ A line of credit can help with improvements — but timing is everything.
✅ Always get contractor quotes before submitting to the lender.
✅ Your broker, realtor, and contractors need to work as a team to make it happen.

💡 It’s all about the plan — not just the loan.

Let’s talk strategy before you buy!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #HomeRenovation #PurchasePlusImprovements #MortgageBroker #CanadianMortgages #OttawaHomes #RealEstateTips #FirstTimeHomebuyer #MortgageAdvice #HomeUpgrades

❌ Myth: Fixed rates are always best

❌ Myth: I can’t negotiate at renewal

❌ Myth: My bank is my only option

👉 The truth? Every situation is different — and a broker helps you see ALL your options, not just the ones your bank offers.

💬 Let’s talk about what’s best for YOU — not what the myths say you should do!

Link in my bio for more info!

Music by @itsilladelph

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgageMyths #MortgageAdvice #CanadianMortgage #MortgageBroker #FixedOrVariable #RenewalTips #MortgagePlanning #LisaBelangerMortgageAgent

❌ Myth: Fixed rates are always best

❌ Myth: I can’t negotiate at renewal

❌ Myth: My bank is my only option

👉 The truth? Every situation is different — and a broker helps you see ALL your options, not just the ones your bank offers.

💬 Let’s talk about what’s best for YOU — not what the myths say you should do!

Link in my bio for more info!

Music by @itsilladelph

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgageMyths #MortgageAdvice #CanadianMortgage #MortgageBroker #FixedOrVariable #RenewalTips #MortgagePlanning #LisaBelangerMortgageAgent

🏡 Thinking of turning your property into an Airbnb?

👉 Not so fast! Some lenders don’t allow short-term rentals — and that could lead to big headaches down the line.

💡 Before you list on Airbnb or VRBO, talk to your broker (👋) and make sure your mortgage supports your plan!

https://www.lisabelangermortgages.com/blog

Music by @itsilladelph

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

🏡 Thinking of turning your property into an Airbnb?

👉 Not so fast! Some lenders don’t allow short-term rentals — and that could lead to big headaches down the line.

💡 Before you list on Airbnb or VRBO, talk to your broker (👋) and make sure your mortgage supports your plan!

https://www.lisabelangermortgages.com/blog

Music by @itsilladelph

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

🏡 First-time buyers — is now your moment?

We’re seeing more first-timers stepping off the sidelines as rates ease a bit. 👀

✅ Many still need a cosigner or gift help
✅ But good news: 30-year amortizations + insured mortgage rates = better affordability!

If you’ve been waiting, let’s explore your options — the market might finally be opening up for you.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #FirstTimeBuyer #HomeOwnership #MortgageBroker #CanadianMortgages #OttawaRealEstate #HomeBuyingJourney #MortgageTips #Affordability #RealEstateCanada

🏡 First-time buyers — is now your moment?

We’re seeing more first-timers stepping off the sidelines as rates ease a bit. 👀

✅ Many still need a cosigner or gift help
✅ But good news: 30-year amortizations + insured mortgage rates = better affordability!

If you’ve been waiting, let’s explore your options — the market might finally be opening up for you.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #FirstTimeBuyer #HomeOwnership #MortgageBroker #CanadianMortgages #OttawaRealEstate #HomeBuyingJourney #MortgageTips #Affordability #RealEstateCanada

💔 Divorce comes with so many decisions — and your mortgage is one of the big ones.

🏡 If you want to stay in your home, you’ll need to qualify on your own and possibly buy out your ex’s share.

✅ There are mortgage programs designed to help — including options for up to 95% financing on a spousal buyout.

📲 If you’re facing this, don’t go it alone. Let’s talk through your options so you feel confident moving forward.

Link in my bio for more details!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #DivorceMortgage #MortgageAdvice #CanadianMortgage #SpousalBuyout #MortgageHelp #MortgageBrokerLife #LifeTransitions #LisaBelangerMortgageAgent

💔 Divorce comes with so many decisions — and your mortgage is one of the big ones.

🏡 If you want to stay in your home, you’ll need to qualify on your own and possibly buy out your ex’s share.

✅ There are mortgage programs designed to help — including options for up to 95% financing on a spousal buyout.

📲 If you’re facing this, don’t go it alone. Let’s talk through your options so you feel confident moving forward.

Link in my bio for more details!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #DivorceMortgage #MortgageAdvice #CanadianMortgage #SpousalBuyout #MortgageHelp #MortgageBrokerLife #LifeTransitions #LisaBelangerMortgageAgent

Thank you for the amazing review Rotha!

We're so glad we were able to alleviate your stress throughout the mortgage process!

https://www.lisabelangermortgages.com/blog

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Thank you for the amazing review Rotha!

We're so glad we were able to alleviate your stress throughout the mortgage process!

https://www.lisabelangermortgages.com/blog

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

⚠️ Planning to break your mortgage? Or just want to be ready in case life changes?

👉 Watch out for prepayment penalties — they can be a costly surprise if you’re not prepared!

💡 Pro tip: Fixed-rate mortgages can have BIG penalties (thanks to IRD calculations). Variable rates are often cheaper to break.

👀 Need help finding a mortgage with fair terms? That’s what I’m here for! Let’s protect your future self.

Link in my bio for all the info!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgagePenalty #MortgageTips #CanadianMortgage #MortgageBroker #HomeFinance #RefinanceSmart #BreakYourMortgage #MortgageHelp #LisaBelangerMortgageAgent

⚠️ Planning to break your mortgage? Or just want to be ready in case life changes?

👉 Watch out for prepayment penalties — they can be a costly surprise if you’re not prepared!

💡 Pro tip: Fixed-rate mortgages can have BIG penalties (thanks to IRD calculations). Variable rates are often cheaper to break.

👀 Need help finding a mortgage with fair terms? That’s what I’m here for! Let’s protect your future self.

Link in my bio for all the info!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #MortgagePenalty #MortgageTips #CanadianMortgage #MortgageBroker #HomeFinance #RefinanceSmart #BreakYourMortgage #MortgageHelp #LisaBelangerMortgageAgent

👉 Still waiting for “the perfect rate” to buy a home? Here’s the truth no one talks about…

💸 While you wait, home prices could keep climbing — and that could cost you more than today’s rates ever would.

🏡 The best time to buy is when you’re ready — not when you think you’ve perfectly timed the market (because that’s almost impossible!).

📲 Let’s chat about your options — I’m here to help map out a plan that makes sense for YOU.

Click the link in my bio for more details!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #HomeBuyingTips #CanadianMortgage #MortgageAdvice #HomeOwnershipJourney #FirstTimeBuyer #OttawaHomes #MortgageBrokerLife #LisaBelangerMortgageAgent #HomeBuyingCanada #MortgagePlanning

👉 Still waiting for “the perfect rate” to buy a home? Here’s the truth no one talks about…

💸 While you wait, home prices could keep climbing — and that could cost you more than today’s rates ever would.

🏡 The best time to buy is when you’re ready — not when you think you’ve perfectly timed the market (because that’s almost impossible!).

📲 Let’s chat about your options — I’m here to help map out a plan that makes sense for YOU.

Click the link in my bio for more details!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance #HomeBuyingTips #CanadianMortgage #MortgageAdvice #HomeOwnershipJourney #FirstTimeBuyer #OttawaHomes #MortgageBrokerLife #LisaBelangerMortgageAgent #HomeBuyingCanada #MortgagePlanning

💡 Renewal time? Here’s what Ottawa homeowners are facing.

Many are coming off ultra-low rates (think: 2%!) and staring down much higher renewal rates — and it’s squeezing cash flow. 😰

✅ It’s not just about paying your mortgage anymore — it’s about managing debt and keeping your lifestyle affordable.

Now’s the time to review your options and get ahead of renewal stress.

📲 Let’s chat about how to restructure smartly.

#MortgageRenewal #OttawaHomes #MortgageBroker #FinancialPlanning #DebtManagement #HomeownerTips #CanadianMortgages #CashFlow #MortgageAdvice

💡 Renewal time? Here’s what Ottawa homeowners are facing.

Many are coming off ultra-low rates (think: 2%!) and staring down much higher renewal rates — and it’s squeezing cash flow. 😰

✅ It’s not just about paying your mortgage anymore — it’s about managing debt and keeping your lifestyle affordable.

Now’s the time to review your options and get ahead of renewal stress.

📲 Let’s chat about how to restructure smartly.

#MortgageRenewal #OttawaHomes #MortgageBroker #FinancialPlanning #DebtManagement #HomeownerTips #CanadianMortgages #CashFlow #MortgageAdvice

Mortgage up for renewal this year?

Don't sign the renewal offer from your current lender!

When your mortgage is up for renewal, you are in the driver's seat again! This means you can review other options and potentially save yourself thousands of dollars!

That's where I come in! I can compare the options that best work for you, and even negotiate with lenders to get you a better rate and product than the one your current lender is offering!

NEVER immediately sign the renewal offer without talking with a broker first!

I've put together all the key details in my latest article!

Link is in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Mortgage up for renewal this year?

Don't sign the renewal offer from your current lender!

When your mortgage is up for renewal, you are in the driver's seat again! This means you can review other options and potentially save yourself thousands of dollars!

That's where I come in! I can compare the options that best work for you, and even negotiate with lenders to get you a better rate and product than the one your current lender is offering!

NEVER immediately sign the renewal offer without talking with a broker first!

I've put together all the key details in my latest article!

Link is in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Thank you so much Nikki!

It was our pleasure working with you on your mortgage!

https://www.lisabelangermortgages.com/blog

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Thank you so much Nikki!

It was our pleasure working with you on your mortgage!

https://www.lisabelangermortgages.com/blog

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

When is it good to take a short term mortgage?

Short term mortgages are great for uncertainty!

If you expect rates to drop but aren't comfortable with a variable/adjustable rate mortgage, opting for a short term could help you avoid paying large penalty fees for breaking longer term mortgages.

Sometimes you're in a sticky situation with your credit or your income! Choosing a shorter term will allow you time for your credit to build or income to improve and will open more options for you by the end of the term.

Find out all the pros and cons in my latest article!

Link in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

When is it good to take a short term mortgage?

Short term mortgages are great for uncertainty!

If you expect rates to drop but aren't comfortable with a variable/adjustable rate mortgage, opting for a short term could help you avoid paying large penalty fees for breaking longer term mortgages.

Sometimes you're in a sticky situation with your credit or your income! Choosing a shorter term will allow you time for your credit to build or income to improve and will open more options for you by the end of the term.

Find out all the pros and cons in my latest article!

Link in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Here are some of the best ways to use the equity in your home!

From debt consolidation to renovations or investments! If you have owned your home for a few years, you have most likely built up some equity that you can use to your own advantage!

The two ways you can access this equity is by either refinancing your mortgage, or using a Home Equity Line of Credit (HELOC).

Both have their advantages, but I go over all the details in my latest article on my website 😀

Link is in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Here are some of the best ways to use the equity in your home!

From debt consolidation to renovations or investments! If you have owned your home for a few years, you have most likely built up some equity that you can use to your own advantage!

The two ways you can access this equity is by either refinancing your mortgage, or using a Home Equity Line of Credit (HELOC).

Both have their advantages, but I go over all the details in my latest article on my website 😀

Link is in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

NEW GST Rebate for First Time Home Buyers!

You could receive up to $50,000 in rebates with the new government program for first time home buyers on purchases of new homes!

Send this to a first time home buyer or save it for later!

Check out my full article for full details!
https://www.lisabelangermortgages.com/blog

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

NEW GST Rebate for First Time Home Buyers!

You could receive up to $50,000 in rebates with the new government program for first time home buyers on purchases of new homes!

Send this to a first time home buyer or save it for later!

Check out my full article for full details!
https://www.lisabelangermortgages.com/blog

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

BREAKING!

The Bank of Canada announces no change to the key interest rate! Previously at 2.75%, there will be no change and will remain at 2.75%.

The overnight rate is the interest rate the Bank of Canada charges commercial banks for short-term loans. While it might seem far removed from your mortgage, it actually has a direct impact—especially if you have a variable-rate mortgage or a home equity line of credit (HELOC).

Here’s how it works:

Variable-rate & adjustable-rate mortgages are tied to your lender’s prime rate, which usually moves in step with the Bank of Canada’s overnight rate. So, when the overnight rate goes up, your mortgage rate and payments often go up too—and vice versa.

Fixed-rate mortgages aren’t directly tied to the overnight rate but can still be affected. That's because fixed rates are influenced by bond yields, which are in turn affected by the Bank’s decisions and outlook on inflation, economic growth, and rate direction.

Even though the Bank of Canada just held the overnight rate steady at 2.75%, continued uncertainty in trade and inflation could impact where rates go next—and that’s something every mortgage holder should be paying attention to.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

BREAKING!

The Bank of Canada announces no change to the key interest rate! Previously at 2.75%, there will be no change and will remain at 2.75%.

The overnight rate is the interest rate the Bank of Canada charges commercial banks for short-term loans. While it might seem far removed from your mortgage, it actually has a direct impact—especially if you have a variable-rate mortgage or a home equity line of credit (HELOC).

Here’s how it works:

Variable-rate & adjustable-rate mortgages are tied to your lender’s prime rate, which usually moves in step with the Bank of Canada’s overnight rate. So, when the overnight rate goes up, your mortgage rate and payments often go up too—and vice versa.

Fixed-rate mortgages aren’t directly tied to the overnight rate but can still be affected. That's because fixed rates are influenced by bond yields, which are in turn affected by the Bank’s decisions and outlook on inflation, economic growth, and rate direction.

Even though the Bank of Canada just held the overnight rate steady at 2.75%, continued uncertainty in trade and inflation could impact where rates go next—and that’s something every mortgage holder should be paying attention to.

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Great day 2 with @cmbaontario and some amazing colleagues.

#workhardplayhard

Great day 2 with @cmbaontario and some amazing colleagues.

#workhardplayhard

Great time on the Broker Panel at the @cmbaontario conference today in #Ottawa. Day full of education and networking with some amazing industry professionals.

#mortgagebroker #mortgage #aĺwayslearning

Great time on the Broker Panel at the @cmbaontario conference today in #Ottawa. Day full of education and networking with some amazing industry professionals.

#mortgagebroker #mortgage #aĺwayslearning

Pre-qualified is not the same as pre-approved!!

You may have heard ads on radio and social media deeming that you can get pre-qualified by answering a few questions. I can show you how to do this yourself online.

Check out my article for more info!

Link in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

Pre-qualified is not the same as pre-approved!!

You may have heard ads on radio and social media deeming that you can get pre-qualified by answering a few questions. I can show you how to do this yourself online.

Check out my article for more info!

Link in my bio!

#mortgagebroker #mortgage #ottawa #canada #ontario #mortgagetips #realestate #finance

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