My Rates

6 Months 3.10%
1 Year 2.54%
2 Years 2.14%
3 Years 2.49%
4 Years 2.84%
5 Years 2.79%
7 Years 3.19%
10 Years 3.69%
6 Months Open 5.99%
1 Year Open 5.75%
*Rates subject to change and OAC
Wes Sudsbury Mortgage Broker

Wes Sudsbury

Mortgage Broker

83 Dawson Manor Blvd, Newmarket, Ontario









Why Wes Sudsbury?  Ask any one who I have ever worked with, worked for, or served, I simply won't give up until the job is done.  I will work my tail off until I have exceeded your expecations.  I simply live, love and breathe mortgages.  I am a true solution provider and whether you are a first time buyer or a seasoned real estate investor, you have come to the right place for all of your financing needs.  Thank you very much for the opportunity to earn your business.


Why Homeguard Funding Ltd?  Homeguard Funding Ltd. is an extremely well respected mortgage brokrage operating in Newmarket, Ontario since our inception in 1983.  We are family owned and operated. We have been in business for over 30 years, serving our clients accross Ontario.  I am very passionate about this business and extremely proud to be building it with my family.  Our mortgage practice continues to grow through referrals from our clients, friends, family and business partners.  Being small business owners, we understand what the value of a customer is and that service is everything.


Why Verico?  Verico is the number one network for mortgage brokers and agents in Canada. The corporate office provides Homeguard Funding Ltd. with access to more products, excellent support and unlimted tools and technology allowing us to focus on what matters most to us - our clients.   We have been proud members of the Verico Network since 2007.  Each office is independently onwed and operated.

BLOG / NEWS Updates

Bank of Canada maintains overnight rate target at 1/2 per cent

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Uncertainty about the global outlook is undiminished, particularly with respect to policies in the United States. The Bank has made initial assumptions about prospective tax policies only, resulting in a modest upward revision to its US growth outlook. Overall, the global economy is strengthening largely as expected and prices of some commodities, including oil, have risen. The rapid back-up in global bond yields, partly reflecting market anticipation of US fiscal expansion, has pulled up Canadian yields relative to the OctoberMonetary Policy Report(MPR). Bearing in mind the important assumptions embedded in its forecast, the Bank projects that Canadas real GDP will grow by 2.1 per cent in both 2017 and 2018. This implies a return to full capacity around mid-2018, in line with Octobers projection. In the context of a projection that is largely unchanged, the Banks Governing Council judges that the current stance of monetary policy is still appropriate and maintains the target for the overnight rate at 1/2 per cent. Governing Council will continue to assess the impact of ongoing developments, mindful of the significant uncertainties weighing on the outlook. Source: Bank of Canada

Canadian Housing Starts Trend Declined in December

The trend measure of housing starts in Canada was 198,053 units in December compared to 200,105 in November, according to Canada Mortgage and Housing Corporation (CMHC). The trend is a six-month moving average of the monthly seasonally adjusted annual rates (SAAR) of housing starts. CMHC uses the trend measure as a complement to the monthly SAAR of housing starts to account for considerable swings in monthly estimates and obtain a more complete picture of the state of Canadas housing market. In some situations analyzing only SAAR data can be misleading, as they are largely driven by the multi-unit segment of the market which can vary significantly from one month to the next. The standalone monthly SAAR for all areas in Canada was 207,041 units in December, up from 187,273 units in November. The SAAR of urban starts increased by 11.8per cent in December to 187,621 units. Multiple urban starts increased by 13.9per cent to 120,750 units in December and single-detached urban starts increased by 8.1per cent, to 66,871 units. In December, the seasonally adjusted annual rate of urban starts increased in Ontario, Quebec and the Prairies, but decreased in British Columbia and in Atlantic Canada.


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