HOME RATES ABOUT SERVICES VIDEOS BLOG CONTACT ME TEAM

My Rates

6 Months 4.45%
1 Year 2.54%
2 Years 2.54%
3 Years 2.49%
4 Years 2.59%
5 Years 2.69%
7 Years 2.94%
10 Years 3.30%
6 Months Open 5.75%
1 Year Open 3.45%
*Rates subject to change and OAC
AGENT LICENSE ID
212789647
BROKERAGE LICENSE ID
2021-3000125
Tammy Pottie Mortgage Broker

Tammy Pottie

Mortgage Broker


Phone:
Address:
800 Windmill Rd Suite 100, Dartmouth, Nova Scotia

BROWSE

PARTNERS

BROWSE

PARTNERS

COMPLETE

THE SURVEY

REFER

A FRIEND

I was 40 I went to the financial intuition that I had been with for years to refinance my current mortgage in my name. I was turned down. Credit was good but being self-employed was an issue for them. My father advised me to go see a mortgage broker. I did and that broker seeing that I had 20 years in the financial industry suggested I become a one too. This is what started my career as a mortgage broker 15 years ago.

 

Since that time I’ve help hundreds of clients in the same situation and with other issues to obtain mortgages. Each client teaches me something new and allows me to better assist future clients. We all have our unique situations and as a broker I take yours to a lender with a mortgage designed just for you and your needs. I love the challenge this career has offered me. Whether you are Purchasing, Refinancing or looking to Switch I’d be happy to help. 

 

"If we all make today awesome for somebody, tomorrow will be awesome for everyone!" - Kid President  smiley

 


BLOG / NEWS Updates

CANADA HOUSING MARKET: THE FALL’S RISE

Canadian home sales rose by 8.6% (sa m/m) in October, the largest increase since July 2020. Listings moved in the same direction, albeit by a much smaller 3.2% (sa m/m). The larger increase in sales carried the sales-to-new listings ratio, an indicator of how tight the market is, to 79.5%, up from 75.5% in September, and much higher than its long-term average of 54.5%. As a result, the composite MLS Home Price Index (HPI) rose by 2.7% (sa m/m)the third consecutive acceleration, and the biggest, after months of price gains deceleration. Single-family homes and apartments were the main drivers of Octobers price gain. Movements in the market were broad-based, with the uptick in sales spread out across much of the country. Sales went up in 28 of 31 local markets we track. Kitchener-Waterloo recorded the largest increase (29.5% sa m/m) followed by Thunder Bay, Kingston, Okanagan-Mainline, and Winnipegall recording increases of over 15% (sa m/m). While these are mainly suburban secondary markets, primary markets are also showing signs of strength, with Torontos sales going up by 9.9% (sa m/m) and Montreals and Vancouvers by 7.8% (sa m/m). Octobers national level of sales is historically strongthe second highest on record for October after October 2020, and a remarkable 40% (sa) higher than the 20002019 October-average. source: https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.housing.housing-news-flash.november-15--2021.html

Excess Household Savings and Implications for Inflation in Canada

Canadians have built up a record amount of savings during the pandemic. By some estimates, it totals around $300 billion. This stockpiled spending firepower has fueled concerns that inflation could be higher and more persistent than currently thought, especially at a time of growing supply-side constraints. However, there are a few reasons to suggest the inflation impulse from excess savings may not be as hefty as some believe. The amount of funds in highly liquid cash form is significantly lower than the headline estimate, consumers are likely to gradually draw on their savings to spend, and the reorientation of outlays from goods to services will dampen price pressures. Still, the amount accumulated in savings is large and unprecedented. This represents an important upside risk to the Bank of Canadas consumption and inflation forecast in the October Monetary Policy Report. Source: https://economics.td.com/ca-excess-saving

MY LENDERS

TD Bank Scotia Bank First National MCAP B2B Bank Home Trust
Merix Equitable Bank RFA CMLS ICICI Bank Manulife
Attain Mortgage Haventree Bank HomeEquity Bank Lifecycle Mortgage Sequence Wealth One
Fisgard Capital Optimum RMG Mortgages Bridgewater Marathon Mortgages Vault