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My Rates

6 Months 4.45%
1 Year 6.04%
2 Years 5.74%
3 Years 5.34%
4 Years 5.24%
5 Years 4.99%
7 Years 5.84%
10 Years 6.00%
6 Months Open 8.25%
1 Year Open 6.45%
*Rates subject to change and OAC
AGENT LICENSE ID
M22000983
BROKERAGE LICENSE ID
13023
Cara Vonlukawiecki

Cara Vonlukawiecki



Address:
440 C Phillip St, Waterloo, Ontario

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My team has worked with over 2,600 clients

 

 

Working with over 55 lenders and with my dedicated underwriting team here at Ardent Mortgages, I want my clients to know that I will always have their best solutions in mind as we prepare a plan that best suits their needs.

 

 

Your success is my goal. 

 

 

WHEN YOU WORK WITH ME, I STRIVE TO FIND YOUR BEST SOLUTION

 

 

Solutions to improve your cash flow

 

Credit rehabilitation and assistance

 

Access the equity you've built in your home

 

Investment opportunity with our MIC partner

 

 

 

Have you thought about whether you are in the best financial situation? Contact me today to get a no-cost,  no-obligation second opinion. It's FREE

 

 

 

"At Ardent Mortgages, our overall mission is to build the wealth of our clients, putting more of your hard-earned money back into your pocket. Our goal is to reduce the strain that debt has on Canadian households by focusing on solutions like mortgage refinancing to consolidate high interested debt."

 

 

I'm Equifax certified

I'm certified through the Equifax Credit Professional Program.

BLOG / NEWS Updates

Slight increase in home sales in December

Summary On a seasonally adjusted basis, home sales increased 1.3% from November to December, a second monthly gain in ten months. Despite this relative stabilization of the market in December, sales were still down 37.8% from their February 2022 level. New listings were down 6.4% from November to December, a fifth contraction in six months which shows that both buyers and sellers remain on the sidelines in the current market environment. It should also be noted there is still a high proportion of sellers who are changing their minds, as we estimate that about one in five listings are withdrawn during the month. The low level of sales is still allowing supply to rebuild, with the number of months of inventory increasing from 4.1 to 4.2 in December. While easing, market conditions are still pointing in the direction of a favourable to sellers market with supply still very low on a historical basis. Housing starts fell 14.4K in December to a 9-month low of 248.6K (seasonally adjusted and annualized). Urban starts dropped 12.9K to 227.7K on declines in both the single-family (-5.5K to a post-pandemic low of 44.9K) and the multi-family segment (-7.4K to 182.9K). The Teranet-National Bank Composite National House Price Index decreased by 0.3% in December compared to the previous month and after adjusting for seasonal effects, the sixth consecutive monthly decrease. After adjusting for seasonal effects, 6 of the 11 markets in the composite index were down during the month: Winnipeg (-1.8%), Calgary (-1.1%), Ottawa-Gatineau (-1.1%), Edmonton (-0.9%). Montreal (-0.5%) and Toronto (-0.4%). Conversely, the Quebec City (+1.3%), Victoria (+1.1%). Hamilton (+0.8%), Halifax (+0.4%) and Vancouver (+0.1%) markets were up. https://www.nbc.ca/content/dam/bnc/taux-analyses/analyse-eco/logement/economic-news-resale-market.pdf

What’s Happening in Canadian Housing Markets as We Head into 2023?

Sales in November were down 3.3% on a month-over-month basis, rejoining the trend of moderating sales that began back in February. The Aggregate Composite MLS Home Price Index (HPI) edged down 1.4% on a month-over-month basis in November, which, as with sales activity, continues the trend that began in the spring. The national MLS HPI now sits about 11.5% below its peak level but there are considerable regional differences. While prices are down more in Ontario and parts of British Columbia, they have softened to some degree almost everywhere. Calgary, Regina and Saskatoon stand out as markets where home prices are barely off their peaks. https://www.creacafe.ca/whats-happening-in-canadian-housing-markets-as-we-head-into-2023/

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