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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

Bank of Canada maintains overnight rate target at 1 ¾ percent

The Bank of Canada today maintained its target for the overnight rate at 1 percent. The Bank Rate is correspondingly 2 percent and the deposit rate is 1 percent. The global economy is showing signs of stabilization, and some recent trade developments have been positive. However, there remains a high degree of uncertainty and geopolitical tensions have re-emerged, with tragic consequences. The Canadian economy has been resilient but indicators since the October Monetary Policy Report(MPR) have been mixed. Data for Canada indicate that growth in the near term will be weaker, and the output gap wider, than the Bank projected in October. The Bank now estimates growth of 0.3 percent in the fourth quarter of 2019 and 1.3 percent in the first quarter of 2020. Exports fell in late 2019, and business investment appears to have weakened after a strong third quarter. Job creation has slowed and indicators of consumer confidence and spending have been unexpectedly soft. In contrast, residential investment was robust through most of 2019, moderating to a still-solid pace in the fourth quarter.

LISTINGS FALL AGAIN TO END 2019, PUSHING PRICES HIGHER

Canadian Real Estate Association data show that national-level home sales fell 0.9% (sa m/m) in December 2019 after rising in the previous nine months. Limited availability looks to be increasingly weighing on sales activity. The month saw another broad-based decline in new listings18 of the 31 centres for which we have data witnessed fallsthat lifted the national sales-to-new listings ratio to 66.9%. It was the highest ratio since 2004 and a third straight month of supply- demand conditions tilted in favour of sellers (after data revisions). Fourteen cities reported sellers market conditions; the rest were balanced. The aggregate MLS Home Price Index (HPI) rose 3.4% (nsa y/y), its best gain since March 2018. Montreal remained Canadas tightest local market, with rising sales and falling listings leading to yet another record-high sales-to-new listings ratio and the citys steepest y/y MLS HPI gains since 2005. Ottawas ratio also reached a new high as new listings plunged by more than 20% (sa m/m), driving a record 12.5% (nsa y/y) MLS HPI increase. Toronto also crept into sellers market territory for the first time since March 2017as in Montreal, home purchases rose and new listings felland its 7.3% (nsa y/y) HPI rise was the sharpest since 2017. Click here for more. Source: Scotiabank Economics

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