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My Rates

6 Months 7.85%
1 Year 5.24%
2 Years 5.19%
3 Years 4.74%
4 Years 4.84%
5 Years 4.49%
7 Years 5.85%
10 Years 5.89%
6 Months Open 9.20%
1 Year Open 8.00%
*Rates subject to change and OAC
AGENT LICENSE ID
M08005923
BROKERAGE LICENSE ID
12811
Samantha Brookes Mortgage Broker

Samantha Brookes

Mortgage Broker


Phone:
Address:
150 King St W, Toronto, Ontario, M5H 1J9

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Samantha Offers Mortgage and Refinancing Solutions That Help You Achieve Your Goals

     Samantha's 15 years of experience with home mortgage refinancing, debt consolidation, private mortgages and home equity loans has allowed her to deliver realistic solutions that help customers succeed in today’s market and prepare them for financial success.

     Samantha focuses on creating an environment where she builds deeper relationships with her customers by putting them at the center of everything she does. She prides herself on her responsiveness to customer inquiries and works to make the mortgage application process as simple as possible. Understanding your financing transaction can be a complex process, it’s her goal to make sure you have everything you need to make the right choices.

     If you are looking to leverage the equity in your current home, or searching for a new mortgage, or need a private mortgage for the interm, Samantha has a solution for you. Contact her online or over the phone to review your options. There is NO obligation and NO fee to inquire so give her a call today!


BLOG / NEWS Updates

CMHC 2025 Housing Market Outlook

From CMHC Highlights Foreign trade risks and immigration changes add significant uncertainty to the outlook. We expect economic activity to be modest in 2025, picking up in 2026 and 2027. Housing starts will slow down from 2025 to 2027 mainly due to fewer condominium apartments being built but total starts will remain above their 10-year average. Rental apartment construction will remain high but may slow in 2027 as demand eases. Ground-oriented homes (detached, semi-detached, row homes) may recover slightly, especially in more affordable options like row houses. We expect housing sales and prices to rebound as lower mortgage rates and changes to mortgage rules unlock pent-up demand in the short term. In the longer term, stronger economic fundamentals will support this rebound. The recovery will be uneven, with slower progress in less affordable regions and in the condominium apartment market. Rental markets are expected to ease with higher vacancy rates slowing rent growth. Renter affordability will improve gradually, with more noticeable changes happening later in the forecast period. https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/market-reports/housing-market/housing-market-outlook?utm_medium=emailutm_source=email-e-blastutm_campaign=2025-01-housing_market_outlook_2025

Statistics Canada: Measuring unmet housing need and housing instability in households with roommates and extended family

Highlights In 2021, 1.65 million households comprised of roommates or extended family sharing living space. These households were about evenly split between those with roommates and those with extended family, each group representing about 800,000 households. One in five households with roommates or extended family members (21.7%) was living in a crowded dwelling, compared with 3.4% of other households. In contrast, households with roommates or extended family members (16.7%) were less likely to be in unaffordable housing than other households (21.5%). About 900,000 people lived with extended family without contributing to housing costs, and almost half (47.5%) of them had no income or an income of less than $30,000. Just under 400,000 people lived with non-relatives without contributing to housing costs, and over one-third (36.6%) of them were living in poverty. Estimates of the number of people in shared housing experiencing housing instability or unmet housing need varied depending on the criteria used to define these concepts. One estimate suggested that 71,000 people had several risk factors for housing instability or unmet housing need, including living with non-relatives, not contributing to housing costs, having an income of less than $30,000 or living in poverty, and residing in a crowded dwelling. Another estimate indicated that just under 1.7 million people could be experiencing housing instability or unmet housing need when defined solely by living in a crowded dwelling. https://www150.statcan.gc.ca/n1/pub/46-28-0001/2025001/article/00001-eng.htm

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