Mortgages With Geri

08/18/2026

🏡 SELF-EMPLOYED? YOUR TAX RETURN DOESN’T ALWAYS TELL THE WHOLE STORY.

If you own a successful business, you probably work with your accountant to structure your income as efficiently as possible.
Smart for taxes.

Not always so helpful when it’s time to qualify for a mortgage.

Here’s the good news: your taxable income isn’t necessarily the only number we can work with.

There are mortgage programs specifically designed for established self-employed Canadians whose business is healthy, credit is strong, and overall financial picture supports more income than what appears on their personal tax return.

Depending on your situation, options may be available for:
🏠 Purchases with as little as 10% down
📈 Established businesses operating for 2+ years
👩‍💻 Sole proprietors, partnerships and incorporated businesses
🔑 Owner-occupied properties with up to 4 units
📅 Amortizations up to 30 years in qualifying situations

The key is knowing which lenders and programs to look at, and how to properly present your business and income.
So before assuming you don’t qualify because of the income showing on your tax return, let’s take a closer look at the whole picture.

You might have more options than you think.

📩 Send me a message and let’s chat.

08/12/2026

Why Are More Canadians Choosing Mortgage Brokers Over Banks?
Buying a home — or even renewing or refinancing a mortgage — has become a lot more complicated than it used to be.

And Canadians are noticing.

According to a recent July 2026 survey from Mortgage Professionals Canada, 38% of buyers — and nearly HALF of new buyers (48%) — are choosing to work with mortgage brokers instead of simply walking into their bank.
Why?
Because today, getting a mortgage isn’t just about finding the lowest advertised rate.
It’s about finding the right mortgage strategy for you.

✅ Access to more lender options
✅ Advice tailored to your actual financial situation
✅ Help navigating qualification rules and stress tests
✅ Guidance on fixed vs. variable rates
✅ Understanding penalties, restrictions and fine print
✅ Having someone in your corner throughout the process

Your bank can offer you their mortgage products.
As a mortgage broker, we can look across multiple lenders and help determine which option actually makes the most sense for your goals.
And that matters.

The wrong mortgage term, lender or product can potentially cost you thousands of dollars over time — even if the rate looked great on day one.
Whether you’re buying your first home, moving up, investing, refinancing or planning your next chapter, your mortgage should be a strategy — not just a rate.

📍 If you’re in Barrie, Simcoe County or beyond and wondering what your options look like, let’s chat.

More lenders. More choices. Advice built around you.

08/05/2026

We're incredibly honoured to have been nominated for the 2026 BarrieToday Reader Favourites Awards!

If we've helped you buy your first home, refinance, renew your mortgage, or simply answered your questions along the way, we'd be so grateful for your support.

✨ Voting is now open until August 31, and every vote means the world to our team.
If you'd like to vote for Geri Janes Mortgage Broker, simply:

🏡 Visit the BarrieToday Reader Favourite Awards page
🔍 Search for Geri Janes Mortgage Broker
🗳️ CLICK HERE TO VOTE https://chat.google.com/dm/kwandCAAAAE/uJ8I8NqubNY/uJ8I8NqubNY?cls=10

Thank you for trusting us with one of life's biggest financial decisions! It's a privilege to help so many amazing families, and your support allows us to continue doing what we love.

From the bottom of our hearts... THANK YOU! ❤️

07/29/2026

💰 Where Does Your Home Deposit Actually Go?

One of the biggest misconceptions we hear from home buyers is that their deposit is an extra expense. The good news? It's not!

Your deposit is actually part of your down payment and is credited toward the purchase price when your home closes.

Here's what happens:
🏡 Your offer is accepted.
💼 Your deposit is held safely in a regulated trust account.
⚖️ On closing day, it's transferred through your lawyer and applied toward your purchase.

Knowing how your deposit works can help you buy with confidence and avoid unnecessary stress during one of life's biggest purchases.

Whether you're buying your first home or your fifth, we're here to answer your questions and guide you through every step of the mortgage process.

📞 Thinking about buying a home in Barrie or Simcoe County? Let's chat before you start shopping so you know exactly what to expect.

https://www.mortgageswithgeri.ca/blog/understanding-your-home-deposit-where-does-it-go-when-buying-a-home

07/06/2026

Looking beyond the lowest mortgage rate? Learn why mortgage flexibility, portability, and prepayment options matter with a Barrie mortgage broker.

Looking beyond the lowest mortgage rate? Learn why mortgage flexibility, portability, and prepayment options matter with a Barrie mortgage broker.

06/22/2026

Real estate investors are increasingly shifting their focus from Toronto and other major urban centres to Barrie and Simcoe County. Rising property values and higher carrying costs have made cash flow difficult in many large cities, while secondary markets often offer stronger rental yields and more affordable entry points.

Barrie continues to attract investors thanks to strong population growth, increasing rental demand, and opportunities for legal secondary suites and multi-unit properties. Many investors are finding that rental properties in Simcoe County provide a better balance of cash flow and long-term appreciation potential.

If you're considering purchasing an investment property, refinancing to access equity, or expanding your real estate portfolio, working with an experienced Barrie mortgage broker can help you maximize your financing options and investment returns.

Contact Geri Janes & Associates to explore investment property mortgage solutions throughout Barrie and Simcoe County.

Real estate investors are increasingly shifting their focus from Toronto and other major urban centres to Barrie and Simcoe County. Rising property values and higher carrying costs have made cash flow difficult in many large cities, while secondary markets often offer stronger rental yields and more

06/14/2026

Are falling rents a reason to delay buying a home in Barrie? Learn how today's market conditions may create opportunities for home buyers and investors across Simcoe County.

Are falling rents a reason to delay buying a home in Barrie? Learn how today's market conditions may create opportunities for home buyers and investors across Simcoe County.

06/09/2026

🏡 Is a shorter mortgage amortization always better?

Not necessarily.

While a shorter amortization can help you pay less interest and build equity faster, a longer amortization may provide lower monthly payments and greater financial flexibility.

For many Barrie and Simcoe County homeowners, that flexibility can help with childcare costs, retirement savings, emergency funds, or paying down higher-interest debt.

The right mortgage strategy isn't one-size-fits-all. It should align with your income, lifestyle, and long-term goals.

Thinking about buying, renewing, or refinancing? Let's explore the mortgage options that make the most sense for your situation.

10/06/2025

Hi friends ...

We wanted to take a moment to share a little update. Sometimes you just need to hit pause — not because something’s wrong, but because something great is in the works.

We’re taking a break from social media (and don’t worry, it’s not you, it’s us!) while we focus our energy on some exciting things happening behind the scenes. This time away lets us build, refine, and create even more ways to support our clients and community with the care and attention they deserve.

You can still stay connected at mortgagewithgeri.ca, where you’ll find helpful resources, blog posts, and updates — or reach out anytime at [email protected].

Thanks for being here and for continuing to be part of our journey.

With appreciation,
The Geri Janes Mortgage Team