My Rates

6 Months 3.10%
1 Year 2.29%
2 Years 2.24%
3 Years 2.39%
4 Years 2.49%
5 Years 2.49%
7 Years 2.99%
10 Years 3.59%
*Rates subject to change and OAC
Sean Donohue

Sean Donohue

Mortgage Broker

775 Blackburn Mews West, Kingston, Ontario









It PAYS to talk to me.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.


My assistant Karin Schmidt is available to help during your transaction.  Full contact info is available in (Browse Partners) section. 



BLOG / NEWS Updates

Canadian home sales drop in May following April’s record

According to statistics released today by The Canadian Real Estate Association (CREA), national home sales dropped inMay 2016after having set an all-time monthly record in April. Highlights: - National home sales dropped 2.8% from April to May - Actual (not seasonally adjusted) activity was up 9.6% compared toMay 2015 - The number of newly listed homes fell 3.2% from April to May - The MLS Home Price Index (HPI) rose 12.5% year-over-year in May The national average sale price climbed 13.2% in May from one year ago; net ofGreater TorontoandGreater Vancouver, it advanced 9.1% year-over-year The number of homes trading hands via Canadian MLS Systems fell by 2.8 percent month-over-month inMay 2016after having broken all previous monthly sales records in April. Sales activity dropped in May from the previous month in about 70 percent of all markets, led by those inBritish ColumbiaandOntario where the number of homes listed for sale has fallen to multi-year or all-time lows. The national sales-to-new listings ratio edged up to 64.8 percent inMay 2016 the ratios tightest reading sinceOctober 2009. A sales-to-new listings ratio between 40 and 60 percent is generally consistent with balanced housing market conditions, with readings below and above this range indicating buyers and sellers markets respectively. There were 4.7 months of inventory on a national basis at the end ofMay 2016, which is unchanged from Aprils reading and the lowest level in more than six years. Months of inventory have been trending lower since early 2015, reflecting increasingly tighter housing markets in B.C. andOntario. It currently sits at or below two months in a growing number of local markets inBritish Columbia, the GTA and environs and inSouthwestern Ontario. Two-storey single family home prices continued to post the biggest year-over-year gain (+14.7 percent), followed by one storey single family homes (+12.7 percent), townhouse/row units (+11.6 percent), and apartment units (+8.6 percent). While 9 of the 11 markets tracked by the MLS HPI posted year-over-year price gains in May, price growth among housing markets continues to vary widely. Greater Vancouver(+29.7 percent) and the Fraser Valley (+31.7 percent) posted the largest gains, followed byGreater Toronto(+15.0 percent),Victoria(+13.9 percent), and Vancouver Island (+9.5 percent). By contrast, prices fell by -3.9 percent and -2.3 percent inCalgaryandSaskatoonrespectively. Year-over-year price growth advanced further into positive territory inRegina(+3.4 percent) and strengthened further inOttawa(+1.3 percent) andGreater Montreal(+1.9 percent). Home prices inGreater Monctonrecorded their tenth consecutive year-over-year gain, rising 8.2 percent from where they stood one year earlier. The national average price continues to be pulled upward by sales activity inGreater VancouverandGreater Toronto, which remain two ofCanadastightest, most active and expensive housing markets. The actual (not seasonally adjusted) national average price for homes sold inMay 2016was$509,460, up 13.2 percent on a year-over-year basis. If these two housing markets are excluded from calculations, the average price is a more modest$375,532and the year-over-year gain is trimmed to 9.1 percent. SOURCE: Canadian Real Estate Association

6 ways to go green at home and save money

Going green at home is a great way to save the environment whilesaving moneyon yourhome. Also, thinking green throughout the year can offer some significant benefits. Here are 6 money saving tips that benefit your wallet and the environment. 1. Insulate well A good insulation will keep your house cool in the summer and warm in the winter. Aim for an R-value of 50 or a depth of 16 inches (41 cm). For whole home efficiency, ensure that all the important areas of your home are well insulated, not only the attic but also crawl spaces, basement headers, walls, and ceilings. 2. Call on your countertop appliances Small appliances use less energy, so use the microwave or toaster oven rather than the stove whenever you can. 3. Turn down the heat in winter For every 1 degree Celsius you lower your thermostat, you can save 2 per cent on your heating bill. 4. Turn down your air conditioning in the summer Setting your room temp at 25 degrees Celsius nets you the most comfort for the least cost. 5. Use power bars and turn them off Standby loss is the energy you waste (and pay for) simply by having appliances powered up even when theyre turned off. Everyday home electronics use hundreds of kilowatt-hours of energy per year, even when theyre not in use. Put your home office appliances on one power bar, your entertainment gadgets on another, and turn the power bars off when you turn in. 6. Replace old appliances with energy-efficient models, and only do laundry or run the dishwasher when you have full loads There are simple but effective improvements that can provide valuable monthly savings for you, while protecting our environment for the future.


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