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My Rates

6 Months 3.95%
1 Year 2.99%
2 Years 2.74%
3 Years 2.94%
4 Years 3.04%
5 Years 2.99%
7 Years 3.49%
10 Years 3.89%
*Rates subject to change and OAC
AGENT LICENSE ID
11947
BROKERAGE LICENSE ID
11947
Erica Vincelli Mortgage Agent

Erica Vincelli

Mortgage Agent


Phone:
Address:
500-2725 Queensview Drive, Ottawa, Ontario

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With an incredible enthusiasm and passion for mortgages, I put the needs of my clients as my top priority. My mandate is to set myself apart through dedicated tailored service and tenacity when handling your mortgage.

As a licensed mortgage expert, I believe that no two clients are alike so neither are the mortgages. My personal philosophy is to treat each individual client as though they are my first and only priority. Calling me is like calling over 50 different lenders including Banks, Credit Unions and Trust Companies – As I have access to all of them, I will save you time and money

My first time home owners really appreciate how I make the mortgage process simple and effortless. I am committed to my clients by providing them with top quality service at every stage of the mortgage process right up to the mortgage burning party. Above all, I am driven by your success and will work tirelessly for you and your referrals.


BLOG / NEWS Updates

Canadian home sales edge up again in October

According to statistics released by The Canadian Real Estate Association (CREA), national home sales posted a modest monthly increase in October but remain below levels recorded one year ago. Newly introduced mortgage regulations mean that starting January 1st, all home buyers applying for a new mortgage will need to pass a stress test to qualify for mortgage financing, said CREA President Andrew Peck. This will likely influence some home buyers to purchase before the stress test comes into effect, especially in Canadas pricier housing markets. A professional REALTOR is your best source for information and guidance in negotiations to purchase or sell a home during these changing times. Home sales via Canadian MLS Systems edged up 0.9% in October 2017 on the heels of monthly increases in August and September, but remained almost 11% below the record set in March. National sales momentum is positive heading toward year-end, said Gregory Klump, CREAs Chief Economist. It remains to be seen whether that momentum can continue once the recently announced stress test takes effect beginning on New Years day. The stress test is designed to curtail growth in mortgage debt. If it works as intended, Canadian economic growth may slow by more than currently expected.

Tips to take charge of your finances and live within your means

(NC) Are you stressed about money? Being in control of your spending is one way of reducing stress in your life. According to Statistics Canada, most of us are burdened with high levels of household debt. Simply put, too many people are spending more than they earn. They are saving less and not saving enough for retirement. At the same time, people are living longer. Living within your means is not always easy, especially when money is tight, but it is the best way to avoid excessive debt. A heavy debt load makes you vulnerable if you lose your job, have unexpected expenses or interest rates go up on your loans. Here is how you can start: Make a budget. Having a budget that lays out sources of income and monthly expenses can help you commit to a spending plan. Know the difference between your wants and needs. Put your needs first; your wants can wait. Choose your credit card wisely. Pay off the balance in full each month so you can build a good credit history and avoid high interest charges. Think ahead to retirement. Canadians are living to an average age of 86. If you retire at 65, that could mean you are living off savings for 21 years or more. Start saving as soon as you can. Find more tips from the Financial Consumer Agency of Canada online at canada.ca/it-pays-to-know. www.newscanada.com

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