DLC - Carmichael Mortgage Group

DLC - Carmichael Mortgage Group Accredited Mortgage Professional (AMP). Providing superior service for over 25 years. Broker # 11782
FSCO # M08003565

Award winning mortgage broker since 2001.

My business objective over the past 25 years has been to provide superior quality mortgage service through specialization in the real estate market, access to a large network of institutional and private lenders, coupled with a commitment to ensuring I have your best interest at heart. As an Accredited Mortgage Professional (AMP), I will assist you in finding the best mortgage to suit your needs.

Mortgages today are more flexible than ever before and contain added features and benefits for Canadian consumers. Choosing the right mortgage is an important decision- one that requires careful consideration of numerous factors including term, amortization, prepayment privileges and interest rates. Because I am not directly employed by a lender, my advice will always be objective, factual and available to you at all times with no associated cost. The mortgage marketplace in Canada consists of dozens of lenders and hundreds of mortgage products. My vast network of lenders includes Canada's largest banks, trust companies, insurance companies, credit unions, pension funds, finance companies and private lenders. With access to such a variety of lenders, I am uniquely positioned to find you the perfect mortgage whether you are looking to purchase, renew, transfer or re-finance. Please contact me to discuss which type of mortgage solution and products best suits your needs.

Experience matters when you’re talking about the biggest investment/debt in our lifetime! With over 25 years, specifical...
04/07/2026

Experience matters when you’re talking about the biggest investment/debt in our lifetime! With over 25 years, specifically in the mortgage industry, our office is uniquely positioned to find you the best options when buying, re-financing, or switching your mortgage over at renewal time. Please reach out and contact our office today for a list of unpublished rates and lender promotions available. It’s worth taking the time to try and save as much $ as you possibly can, especially is these financially challenging times.


04/05/2026
The Bank of Canada left its overnight target rate at 2.25% today.  Read the full statement here: https://okt.to/RpnfsqTh...
01/28/2026

The Bank of Canada left its overnight target rate at 2.25% today.

Read the full statement here: https://okt.to/Rpnfsq

The next BoC announcement is March 18, 2026.

AI is changing the mortgage industry, but it’s not taking the place of brokers anytime soon.While tools powered by artif...
01/22/2026

AI is changing the mortgage industry, but it’s not taking the place of brokers anytime soon.

While tools powered by artificial intelligence (yes, even since OpenAI introduced ChatGPT) can make processes faster and more efficient, many Canadians still want one thing AI can’t deliver: human connection.

For first-time buyers, complex files, or anyone who wants reassurance along the way, a real conversation matters. A calm voice. Clear guidance. Someone who can say, “Your file looks great — we’ve got this.”

Technology has always pushed the industry forward — from digital signatures to Zoom meetings — but brokers remain at the centre of the experience. The difference?
AI supports the process. Brokers support the people.

That balance isn’t going anywhere.

2025 was a busy year in the mortgage world.Rates moved. Rules changed. Some markets cooled, others surprised everyone. A...
12/29/2025

2025 was a busy year in the mortgage world.

Rates moved. Rules changed. Some markets cooled, others surprised everyone. And a lot of Canadians had to rethink how (and when) homeownership made sense for them.

That’s why context matters.

What happened this year affects how you buy, renew, refinance, or plan for the next move — especially heading into 2026. The right strategy looks different depending on your goals, your timing, and where you live.

If you’re not sure how these shifts apply to you, contact my office and let me see how I can help you connect the dots and make sure you’re set up properly for what’s next! 🏡

Merry Xmas and happy holidays from our family to yours!!!
12/24/2025

Merry Xmas and happy holidays from our family to yours!!!

Lest we forget!!
11/11/2025

Lest we forget!!

Happy Halloween from Carmichael Mortgage Group! 🎃
10/31/2025

Happy Halloween from Carmichael Mortgage Group! 🎃

Bank of Canada has lowered its policy rate by 25 bps to 2.25%. This is the Bank’s ninth rate cut.Read the full statement...
10/29/2025

Bank of Canada has lowered its policy rate by 25 bps to 2.25%. This is the Bank’s ninth rate cut.

Read the full statement here: https://okt.to/UolKmv

The next BoC announcement is Dec. 10, 2025.




Happy Thanksgiving from our family to yours! Enjoy time spent with loved ones this weekend! 🦃
10/11/2025

Happy Thanksgiving from our family to yours! Enjoy time spent with loved ones this weekend! 🦃

Canada’s job market just had its weakest month since 2022.July saw 40,800 jobs lost—mostly full-time in the private sect...
08/08/2025

Canada’s job market just had its weakest month since 2022.
July saw 40,800 jobs lost—mostly full-time in the private sector—with youth hit hardest (unemployment for ages 15–24 now at 14.6%, the highest since 2010 outside the pandemic). The overall jobless rate held at 6.9%, but more Canadians are struggling to find work long-term.
With the economy showing excess supply and rate cut chatter heating up, all eyes are now on the September 5 jobs report.

Address

Quarrie Lane
Ajax, ON
L1N0T1

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