Shelley Stewart
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
CMHC : Small-scale infill, big impact: How it adds to housing supply in Canada
Housing supply has struggled to keep pace with demand across Canada. In response, many cities are introducing zoning changes to support small-scale infill, speed up approvals and encourage more housing. This CMHC analysis finds that small-scale infill is becoming a more important source of housing supply. How much it adds will depend on zoning changes and financial viability.
Key Findings
- Small-scale infill is increasing as a share of housing starts: Small-scale infill is now estimated to account for 1 out of every 10 housing starts in Canada in 2025. While most new housing is still built through larger developments, small-scale infill is playing a growing role.
- Zoning changes can produce upward shifts in supply: Vancouver, Edmonton and Toronto have eased zoning rules at scale. Between 2023 and 2025, the share of new housing coming from small-scale infill in these cities rose from 4.7% to 16.1%. While many factors shape housing construction, this increase suggests zoning reforms have contributed.
- Broader market and development conditions still shape infill growth: Broader market and development conditions will still shape the growth of small-scale infill. Fees, approval timelines, building rules and financing all affect whether projects can move forward.
Bank of Canada raises the policy rate by 25 basis points to 2½%
The Bank of Canada today increased its target for the overnight rate by 25 basis points to 2.5%, with the Bank Rate at 2.75% and the deposit rate at 2.45%.
Since the July Monetary Policy Report, global economic activity has remained resilient, despite higher energy prices. In the United States, the economy continues to grow at a robust pace, supported by consumer spending and AI-related investment. Growth in the euro area has been resilient and broad-based. After slowing in the second quarter, Chinese growth rebounded in the third quarter, owing to strength in exports and a pickup in fiscal spending. With persistently elevated oil prices and refinery margins, inflation has risen in most countries.
Given the ongoing resilience of the global economy, the Bank has revised up global GDP growth slightly to 3.1% in 2026, while growth in 2027 and 2028 remains unchanged from the July projection at 3.2%.
Global financial conditions have tightened since July. Advanced economy sovereign bond yields are higher. Equity and credit markets have been volatile due to uncertainty about the outlook for the AI sector. The Canadian dollar had weakened somewhat on US-dollar strength but has since recovered to around 71 cents – the same as assumed in the July Report.
https://www.bankofcanada.ca/2026/10/fad-press-release-2026-10-28/
Statistic Canada: Housing affordability in Canada, 2024
In 2024, 23.2% of Canadian households lived in housing unaffordable to them—defined as spending 30% or more of their income on shelter costs—up from 22.0% in 2022. Renters (33.7%) were more likely than owners (17.4%) to live in unaffordable housing. This gap has been stable since 2018, the first cycle of this survey.
In 2024, over one-third (36.6%) of households in Canada were homeowners with a mortgage, 27.8% were homeowners without a mortgage, and 31.3% were renters in the private market. More than one-quarter (26.1%) of homeowners with mortgages lived in unaffordable housing, up from 23.6% in 2022. This drove the overall increase in the share of households in unaffordable housing, as renters living in market rental units saw no change in their unaffordability rate over the same period.
These results are from the 2024 Canadian Housing Survey, which collects information about housing needs and experiences from a sample of Canadian households across the 10 provinces. The survey is undertaken as a collaboration between Statistics Canada and the Canada Mortgage and Housing Corporation.
https://www150.statcan.gc.ca/n1/daily-quotidien/260921/dq260921a-eng.htm
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