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AGENT LICENSE ID
NS#161880285 ON#M08003750
BROKERAGE LICENSE ID
NS161759015 NB160000476 ONT M18000001
Catherine E Fogarty Mortgage Broker

Catherine E Fogarty

Mortgage Broker


Phone:
Address:
., Toronto, Ontario / Halifax, Nova Scotia

BROWSE

PARTNERS

BROWSE

PARTNERS

COMPLETE

THE SURVEY

REFER

A FRIEND

Catherine is amazing.

For me being a new comer to Canada (on a working visa)  helped me get my mortgage to buy my house in a couple of days.
She managed to get me also a good mortgage rate.
I highly recommend Catherine and for sure I will collaborate with her in the future.
~ Adelin, Halifax NS

 

When I bought my first house my Realtor told me “you MUST see my Mortgage Broker Catherine Fogarty”. I have since gone to her with all of my mortgage needs and consider her a trusted family friend. Thanks Cat!
~ Monika, Toronto ON

 

I have no idea what to say! Lol "you're awesome!"
As a first time home owner I relied on Catherine's expertise in handling all of my mortgage needs. She walked me through each step and made the process less stressful.
~ Chris, Dartmouth NS
 
I found myself ending my marriage and starting a new chapter in my life. Needless to say it was a very difficult time, many changes occurred and I had a tremendous amount of loose ends to tie up. My biggest obstacle was keeping my beloved home and all the stress that came with it. Catherine provided me with a new mortgage at a great rate and did all the legwork with me just providing the basic details for her. I can't say enough about how she took my situation into consideration and made the transaction seamless. The mortgage she provided made it so I could be more comfortable financially and didn't have to worry about the day to day anymore. Thank you Catherine.
~ Rhonda, Bedford NS
 
I work in finance but I still call Catherine to broker all of my mortgages during the last several years. She has been there since the first purchase, to many others, including showing us how to add rental properties to our investment portfolio. She saved us time, cost, and helped increase our bottom line. I refer her to all of my family, friends, and colleagues.
~ Daniel, Toronto ON & Beeton, ON
 

As first time home buyers we were very lucky to have Catherine on our side. She diligently sought out the best rates and situation for myself and my wife and gave us excellent advice all the way through the process.
When it looked like we may not get our Mortage, she fought for us and made it happen where others may have given up.

Catherine made herself available to us far beyond regular business hours and was a pleasure to deal with.
If you want an expert on your side that will go above and beyond to make things happen I would highly recommend her!
~ Tony, Dartmouth NS

 

Catherine saved me from myself, navigating my first home purchase and renewals is overwhelming with so much happening in such a short period of time.  Catherine was there with solid mortgage advice and options through the entire process.  I know that she saved me money by finding the best solution every time.  I will continue to trust Catherine with every renewal I have and still recommend her to my closest friends and family, frankly anyone else that will listen as well.
~ Kevin, Newmarket, ON


BLOG / NEWS Updates

Scotiabank: Why Canada needs to focus on ways to encourage more home building

The recent run-up in housing prices, and the attendant worries about affordability and accessibility, have many stakeholders scrambling to find quick solutions. While understandable, those approaches are likely to have only minimal impacts on Canadas housing situation and its consequences for people looking for a reasonably priced place to live. Focusing on interest rate policy or macroprudential instruments, such as stricter mortgage stress tests, draws attention away from the underlying cause of the problem: the inability of supply to meet demand. Put simply, this country doesnt build enough housing. We should not be surprised by this. Canada has increased immigration dramatically in recent years to tremendous benefit to the economy, but we failed to pro-actively address the housing challenges the consequent population boom was sure to bring. Policy efforts must focus far more on anticipatory, collaborative, multistakeholder and very specific solutions to the housing situation rather than on the short-term and ultimately ineffective macroprudential Band-Aids applied in recent years. Scotiabank Economics is publishing research this week looking at the increase in Canadas housing stock relative to the increase in population over the past several years to get a sense of how effective we have been in creating new units. The numbers are not encouraging. One way to look at it is by using the ratio of new housing to population growth. By that measure, construction has been well below its historical average since mid-2017. That is perhaps not surprising, given that Canada has seen an immigration-fuelled population boom since 2015. In the three years leading up to the COVID-19 pandemic, population grew nearly twice as fast as new housing units were being built. That ratio improved somewhat with the COVID-related stall in immigration, but it is likely to reverse course once immigration returns to planned levels. Dan Rees is group head, Canadian banking at the Bank of Nova Scotia. Jean-Fran¬ćois Perrault is Scotiabanks chief economist

Two-thirds of Canadians were asset resilient in the year prior to the pandemic

Just over two-thirds (67.1%) of Canadians were asset resilient for at least three months in 2019, up from 63.6% in 1999. Over these two decades, several factors contributed to the overall rate of asset resilience. For one thing, Canadians held more liquid assets at the end of the period. Median person-adjusted household liquid assets rose from $6,300 in 1999 to $10,700 in 2019. Canadians were also slightly older, on averagethe median age of Canadians increased from 36.4 years to 40.8 years. Family income has also been rising since 1999, and asset resilience is associated with higher income. The median person-adjusted, household after-tax income of Canadians increased by one-third (+34.9%), rising from $37,300 in 1999 to $50,300 in 2019, while the share of Canadians below the LIM-AT edged down from 12.4% to 12.1%. source: https://www150.statcan.gc.ca/n1/daily-quotidien/210504/dq210504e-eng.htm

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