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My Rates

6 Months 4.75%
1 Year 2.69%
2 Years 2.69%
3 Years 2.69%
4 Years 2.69%
5 Years 2.79%
7 Years 2.99%
10 Years 3.04%
*Rates subject to change and OAC
AGENT LICENSE ID
M08007035
BROKERAGE LICENSE ID
11947
Carla Gervais Director Of Sales and Operations

Carla Gervais

Director Of Sales and Operations


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

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MORTGAGE ADVICE YOU CAN COUNT ON

 

Do you have a mortgage up for renewal or do you want to better understand your current mortgage options? Don’t just sign that bank letter, call me to discuss your options, create a plan to pay down faster or ways to take advantage of today’s low rates.

 

Considering a new home purchase? Whether you are upsizing, downsizing, looking at rental investment properties or considering a second home, let me help you through the qualification process and get you the best deal for your situation.

 

Want to access equity in your home? Consolidate Debts, access cash for investments or renovations, a new car or vacation, help your child with education costs, call me to see what is available for your unique situation.

 

MY PROMISE TO YOU

 

Choice & Advise: I can provide a wide range of products from various lenders and guide you through the different options to help you choose what mortgage terms and options are right for your specific needs.

 

Service: My service to you is free. I will help you through the entire mortgage process ensuring you understand every aspect and have a positive experience.

Savings: I can provide you with the best terms, options and rates that could save you thousands in interest costs over the term of your mortgage. 


BLOG / NEWS Updates

Teranet–National Bank National Composite House Price Index

In October the Teranet-National Bank National Composite House Price IndexTM began the fourth quarter with a dip of 0.1% from the month before. The final quarter of the year is typically slow for the index, and the monthly decline was in line with the average of the last 10 Octobers, in five of which the index retreated. In short, it is too soon to herald a downward trend on the national home resale market. Indeed, if seasonal pressure were removed (seasonal adjustment), October would have been the third consecutive month of an underlying uptrend. Pulling the composite down on the month were retreats in the indexes for Edmonton (-1.0%), Winnipeg (-0.4%), Toronto (-0.2%), Hamilton (-0.2%), Calgary (-0.1%) and Montreal (-0.1%). Pulling it up were Quebec City (0.1%), Vancouver (0.2%), Ottawa-Gatineau (0.2%), Victoria (0.7%) and Halifax (1.3%). For Vancouver it was a first monthly rise in 15 months, consistent with a strong revival of home sales since August. For Ottawa-Gatineau, October was the seventh consecutive monthly rise, for a cumulative surge of 9.8%. Victoria has also had a good run, with gains in six of the last seven months. For Halifax it was the 10th advance in 12 months. For Toronto, on the other hand, October ended a run of six monthly rises. Same story for the five-month runs of Montreal and Winnipeg. According to the most recent data, however, the resale market remains balanced in Toronto and favourable to sellers in Montreal.

Unemployment rate unchanged in October

Following two consecutive months of growth, employment held steady in October. The unemployment rate was unchanged at 5.5%. On a year-over-year basis, employment grew by 443,000 or 2.4%, driven by gains in full-time work. Over the same period, total hours worked were up 1.3%. In October, employment increased in British Columbia and Newfoundland and Labrador, and was little changed in the other provinces. Employment was down for men in the core working ages of 25 to 54, and grew for the population aged 55 and over. Employment declined in manufacturing and construction. At the same time, employment was up in public administration and in finance, insurance, real estate, rental and leasing. The number of self-employed workers decreased, while the number of employees in the public sector increased for the second consecutive month.

MY LENDERS

TD Bank Scotia Bank Attain Mortgage First National MCAP B2B Bank
Home Trust Merix Equitable Bank Street Capital CMLS Fisgard Capital
ICICI Bank Optimum  RMG Mortgages Bridgewater Marathon Mortgages