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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
11947
BROKERAGE LICENSE ID
11947
Erica Vincelli Mortgage Agent

Erica Vincelli

Mortgage Agent


Phone:
Address:
500-2725 Queensview Drive, Ottawa, Ontario

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With an incredible enthusiasm and passion for mortgages, I put the needs of my clients as my top priority. My mandate is to set myself apart through dedicated tailored service and tenacity when handling your mortgage.

As a licensed mortgage expert, I believe that no two clients are alike so neither are the mortgages. My personal philosophy is to treat each individual client as though they are my first and only priority. Calling me is like calling over 50 different lenders including Banks, Credit Unions and Trust Companies – As I have access to all of them, I will save you time and money

My first time home owners really appreciate how I make the mortgage process simple and effortless. I am committed to my clients by providing them with top quality service at every stage of the mortgage process right up to the mortgage burning party. Above all, I am driven by your success and will work tirelessly for you and your referrals.


BLOG / NEWS Updates

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.

Canada: Household Credit Growth Continues To Climb in September

CANADIANS BORROWING HAND OVER FIST Total Canadian household credit growth continued to accelerate in September, reaching a pace last seen in mid-2018. Despite a slight deceleration from the previous month to 4.3% at a seasonally adjusted annualized rate (m/m saar), trend growth remains at elevated levels. Both mortgage and consumer credit growth contributed to the 68 bps slowdown from the prior month (46 bps and 22 bps, respectively), but borrowing conditions remain favourable overall with trend growth still in strongly positive territory. RESIDENTIAL MORTGAGE CREDIT EXPANSION CONTINUES ITS ASCENT Residential mortgage credit growth continued on its upward trajectory in September supported by favourable borrowing conditions and strong labour markets. Mortgage loan growth accelerated by 4.9% m/m saar in September, pushing the year-on-year trend growth rate to 4.2% y/ythe fastest pace since mid-2018, marking a well-pronounced recovery in the mortgage-borrowing market. Canadas real estate market looks to be rebounding following a turbulent couple of years due to various policy announcements from 2017 to 2018 designed to cool the market. Mortgage borrowing has picked up through the second half of 2019 with the uptick in demand following a reduction in the mortgage qualifying rate in July and a decline in 5-year mortgage rates. With the Bank of Canada under pressure to continue to provide a stimulative environment following sustained levels of uncertainty, residential mortgage credit growth is expected to remain supported in the foreseeable-future. Strength in Canadian labour markets has also been conducive to a favourable borrowing environment. Septembers surge in job gains contributed to a fall in the unemployment rate to 5.5%. Source: Scotiabank

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