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Shelley Stewart Accredited Mortgage Professional

Shelley Stewart

Accredited Mortgage Professional


Phone:
Address:
Unit 100-99 Scurfield Blvd., Winnipeg, Manitoba

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It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.

 

Some kind words from my clients.  You can read more testimonials by clicking on the black speech bubble at the bottom of the buttons in the column to the left.

Darcie B:  I had an excellent experience with Shelley.  She was knowledgable, informative, efficient, and easy to contact.  I am happy with my mortgage and would recommend Shelley to family and friends.

Dave M: I was completely satisfied with Shelley’s expertise, knowledge, and know that our best interests were of primary importance to her. I would recommend her to family and friends. I appreciated how she researched our requirements, provided us options, and explained those options to us in a very understandable way.

         
Judith V:  We are happily settling into our new home and we really can’t thank Shelley enough for helping us navigate such a crazy, hectic time. Shelley is well knowledgeable of the available products and processes and if she isn’t sure, she always spends the time to do the research. We appreciate that she gives us all the options available to us and is very honest, even if it means that we won’t be able to use her services at that time. We have never felt like she was trying to sell us something for the sake of selling us something. Her friendly, approachable personality makes us feel like one of the family. Shelley has taken care of our family for a number of years and we will continue to be her clients for the duration of her career. We are very fortunate to have Shelley working for us.         


Margaret M:  I was completely satisfied with Shelley’s service. She kept me well informed throughout the whole process and handled everything; I just showed up and signed paperwork. Shelley was very professional, knowledgeable and had my best interests in mind. I would not hesitate to recommend Shelley and her services to one and all!         


Suzanne M:  I was completely satisfied with every aspect of Shelley’s services and appreciate how she met all my needs!         


Michael P:  Overall, we were completely satisfied with Shelley’s services and would not hesitate to recommend her. She was able to get financing in place when others could not.

 

K Friesen:  Shelley clearly understood and met our needs.  We have no hesitation in recommending Shelley.  She assured us that we were set up in a strong financial standing to go through the process of building, and ultimately has our dream house build in progress!  Shelley was amazing and handled everything extremely fast!

 

Zaneta O:  Shelley was able to get me the house I really wanted and exceeded my expectation in all that she did for me. I highly recommend her!

 

 


BLOG / NEWS Updates

Bank of Canada increases policy interest rate by 75 basis points, continues quantitative tightening

The Bank of Canada today increased its target for the overnight rate to 3%, with the Bank Rate at 3% and the deposit rate at 3%. The Bank is also continuing its policy of quantitative tightening. The global and Canadian economies are evolving broadly in line with the Banks July projection. The effects of COVID-19 outbreaks, ongoing supply disruptions, and the war in Ukraine continue to dampen growth and boost prices. Global inflation remains high and measures of core inflation are moving up in most countries. In response, central banks around the world continue to tighten monetary policy. Economic activity in the United States has moderated, although the US labour market remains tight. China is facing ongoing challenges from COVID shutdowns. Commodity prices have been volatile: oil, wheat and lumber prices have moderated while natural gas prices have risen.

Prices have come down from their peak in July

From the National Bank of Canada Declining transactions in the resale market and rising interest rates continue to weigh on property prices, with the Teranet-National Bank Composite House Price Index falling 0.2% from June to July after seasonal adjustments. This is the first monthly decline since the one seen at the beginning of the pandemic in June 2020. Using the unsmoothed seasonally adjusted index, which is more sensitive to market fluctuations, the decline is even more pronounced, with property prices falling 1.4% from June to July. Moreover, price decreases continue to be widespread across the country. In fact, for all 32 markets where the seasonally adjusted unsmoothed index was available in July, 58% experienced a decline during the month, the same proportion as observed in June, but much higher than those recorded since the beginning of the year. You have to go back to May 2020, at the very beginning of the pandemic when uncertainty was at its peak, to find such a large proportion of markets down. While the Bank of Canada has indicated that it will continue to raise its policy rate and that transactions in the real estate market should continue to decline, we anticipate that the composite index should decrease by 10% by the end of 2023. https://www.nbc.ca/content/dam/bnc/en/rates-and-analysis/economic-analysis/economic-news-teranet.pdf

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