HOME RATES ABOUT SERVICES VIDEOS BLOG CONTACT ME TEAM

My Rates

6 Months 4.75%
1 Year 2.99%
2 Years 3.09%
3 Years 3.29%
4 Years 3.39%
5 Years 3.24%
7 Years 3.39%
10 Years 3.79%
*Rates subject to change and OAC
AGENT LICENSE ID
M08000257
BROKERAGE LICENSE ID
11947
Susanna Penning Mortgage Agent

Susanna Penning

Mortgage Agent


Phone:
Address:
2725 Queensview Dr Suite 500, Ottawa, Ontario

BROWSE

PARTNERS

BROWSE

PARTNERS

COMPLETE

THE SURVEY

REFER

A FRIEND
When it comes to your mortgage, your interest is my interest.
 
I will simplify a mortgage for you. It doesn’t have to be difficult. My 25 years of experience in the financial industry provides me with the knowledge I need to get you a great rate while providing excellent customer service to help your home ownership dreams become a reality.
 
Let Me Show You How I am Different…
 
The Mortgage Advisors has a dedicated team of elite brokers and agents that will do what it takes to secure the right mortgage for you by:
 
Working for you. Your Mortgage Expert understands the needs of clients and the complexities involved in obtaining and communicating their financing requirements.
 
Representing you. Your Mortgage Expert does business with a variety of lenders compared to traditional institutions concerned in selling only “their” product.
 
Utilizing their independence. Your Mortgage Expert has access to a wide range of Financial Services and Products to ensure financing requirements are met precisely with the customers’ best interest in mind.
 
Having a strong understanding of the marketplace. Your Mortgage Expert will shop for the best deal, without the inconvenience of setting up appointments and the subsequent credit inquiries.
 
Maintaining a professional standard. Your Mortgage Expert is required to be registered with the Ministry of Finance and complete the required educational programs ongoing.
 
Upholding strict confidentiality. Integrity that you can trust.
 
Providing you with peace of mind. Working with you, “Working for you”.
 
 
Get A Mortgage Broker Working For You!
 
Buying a home is one of the most significant investments you can make in life. The question is; what are you going to do to ensure you find the right mortgage for your needs and circumstances? A mortgage broker is the perfect answer.
 
Everyone has the right to make their own financial decisions, but when you are trying to find a mortgage, going it alone is not always the easiest choice. The mortgage industry is large, complex and highly varied, and it always takes resources and know-how to make the best decisions.
 
Even if you are educated and experienced with the mortgage market, you might not be aware of every available option and which options are truly going to be of benefit to you and save you the most money.

BLOG / NEWS Updates

Stress Test Best Practices Tool Kit

With the new Office of the Superintendent of Financial Institutions stress test rules firmly in place since January, Canadian homebuyers have learned they need to arm themselves with practical information on how they can ensure they are stress-test ready. The following is a guide and best practices tool kit for those about to embark on securing their new or next mortgage: Make a financial plan Any time a big purchase is at stake, laying out a financial plan is always the best first step to take. By creating a plan, home buyers can protect themselves from increased interest rates and ensure they are staying on budget. Have a contingency fund Without question and now more than ever, home buyers need to establish contingency funds. Its incredibly important to have funds set aside when unexpected costs such as property repairs arise. An established contingency fund also looks good to financial lenders. Pay off debts and increase downpayment The most important tool in the Best Practices Tool Kit is to pay off debts as quickly as possible and maximize your down payment. If you already have a mortgage, increase the frequency of payments by taking advantage of what the financial institution offers such as accelerated bi-weekly payments. Broaden search parameters Although you may have an ideal neighbourhood in mind, it is important to also consider broadening those search parameters. Often there are homes in other neighborhoods that could be a perfect choice if you are willing to commute a little longer. Im here to help you I can help you to navigate confusion surrounding the stress test. Ultimately, being stress test ready means being ready for future increases in rate so that you can afford your next home comfortably on your budget.

Preventing Falls on Stairs

Accessible housing refers to homes that are designed or modified to enable independent living for all residents, including seniors or persons with disabilities. Accessibility can be achieved through architectural design and also by integrating accessibility features, such as lowered light switches, grab bars, walk-in bathtubs, lowered shelves and cupboards, modified furniture or by installing electronic devices in the home. Stairs in the home can be dangerous and can be a barrier to accessibility unless they are designed or modified to reduce the risk of falls. If residents have limited mobility, it may be necessary to install ramps, home elevators or stairlifts to make the home safe and accessible. A high percentage of Canadians who visit hospitals after a fall on or from stairs or steps in their homes are seniors (men and women 65 years or older). When seniors fall, the consequences can be severe and long-lasting. Most falls on stairs can be prevented. Prevention starts by keeping in mind that there are risks in using stairs. Good planning and simple strategies can help prevent falls and injuries. Click here for more information https://www.cmhc-schl.gc.ca/odpub/pdf/63637.pdf?fr=1441901329905

MY LENDERS

TD Bank Scotia Bank First National B2B Bank Home Trust
MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank Fisgard Capital  RMG Mortgages Street Capital