Vince Savoia, Mortgage Agent, Level 2. Brokerage 10801

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Canada
Barrie, ON
Vince Savoia, Mortgage Agent, Level 2. Brokerage 10801

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I help people talk through their options when they’re unsure what to do with their mortgage. INVIS. 10801. Elder Planning Counselor and Mortgage Agent, Level 2.

Helping Seniors with Life Transition, Mortgage Financing, and Financial Coaching. INVIS 10801.

11/02/2026

Rock. Paper. Scissors. When it comes to your mortgage, having more options can give you the upper hand!

Going directly to your bank means exploring what that one institution has to offer. But what if there are other lenders, mortgage products or terms that could be a better fit for your needs?

That’s where I can make a difference as your Mortgage Broker.

With access to a variety of lenders and mortgage solutions, I can help you compare your options, understand the fine print and make informed decisions based on your financial goals.

Whether you’re buying a home, renewing your mortgage or considering refinancing, you don’t have to settle for the first offer on the table.

Why limit yourself to one option when you could explore more?

Give yourself the upper hand. Let’s explore your mortgage options together!

10/31/2026

Happy Halloween! 🎃 The best treat of all? A front door that's all yours.

10/30/2026

Well, hello there! I’ve been dying to meet you! 👻

Whether you’re buying a home, renewing your mortgage or considering refinancing, I’m ready to rise to the occasion.

With access to a variety of lenders and mortgage products, along with personalized guidance, I can help you explore your options and find a mortgage solution suited to your needs.

No need to wait another lifetime. Let’s talk about your mortgage today!

10/28/2026

The Bank of Canada raised its policy rate by 0.25% today, to 2.50%, its first increase since 2023.

• Variable-rate mortgages and HELOCs follow lenders' prime rates, which typically move with the Bank of Canada.
• Fixed rates follow bond yields, so today's move doesn't change them directly.

Shopping for a home? Rate holds on a pre-approval generally last 90 to 120 days depending on the lender, so it's worth knowing when yours expires. The next announcement is December 9.

10/28/2026

A shift in Canada’s interest rate landscape.

The Bank of Canada has raised its policy rate to 2.50%, marking a 25-basis-point increase after seven consecutive holds.

Changes to the policy rate can affect variable-rate mortgages and borrowing costs, while fixed mortgage rates are influenced by different market factors.

Understanding the distinction can help homeowners and buyers make informed financing decisions.

Connect with me today to review your options.

10/26/2026

Renewing your mortgage? There’s more to consider than just the interest rate.

Before accepting your lender’s renewal offer, it’s worth reviewing your outstanding balance, financial circumstances, future plans, mortgage features and available lender options.

Your needs may have changed since your last mortgage term, and your next mortgage should reflect where you are today and where you’re headed.

I’ll help you evaluate these six key factors, compare your options and make an informed decision before renewing.

Mortgage renewal coming up? Send me a message and let’s get the conversation started!

10/24/2026

Buying a new home before the current one sells? Timing both sides can feel like a puzzle. Once the current home has a firm buyer, bridge financing may help cover the gap between buying and selling, depending on the lender. Planning the price, timing and terms of both deals together makes the whole process smoother.

10/23/2026

There are scary things, and then there’s making an offer on a home without knowing whether you qualify for the mortgage.

Skipping mortgage pre-approval can turn an exciting home purchase into a frightening experience. Getting pre-approved first can help you understand your borrowing potential, establish a realistic budget and identify potential financing concerns before making an offer.

While pre-approval doesn’t guarantee final mortgage approval, it can help you avoid some of the scarier uncertainties of buying a home.

That’s where I can help! I’ll review your financial qualifications, walk you through your mortgage options and guide you through the pre-approval process so you have a better understanding of your financing before you start house hunting.

Leave the frights to the ghosts! Thinking about buying a home? Send me a message and let’s get your mortgage pre-approval underway.

10/22/2026

Buying with less than 20% down? In Canada, a smaller down payment means the mortgage generally needs default insurance, which protects the lender and can make it possible to buy sooner. The premium is usually added to the mortgage rather than paid upfront, and insured mortgages often come with competitive rates.

What does this mean for you?
Under 20% down: You can buy with less saved, but a one-time insurance premium is usually added to your mortgage. Insured mortgages are only available on homes under $1.5 million.
20% or more down: There’s no insurance premium and you borrow less overall, though uninsured mortgage rates are often slightly higher.

10/21/2026

Being loyal to your bank is one thing. Assuming they have the most competitive mortgage for you is another.

When it comes to buying a home, renewing or refinancing, there’s more worth comparing than just interest rates. Mortgage terms, payment flexibility, prepayment privileges and lender conditions can all make a difference.

I work with a variety of lenders, helping you compare mortgage products and find financing that fits your needs, not just your banking history.

You’ve given them 20 years. Give me a shot at your next mortgage.

Message me today. Your bank shouldn't be the only lender in the running.

Address

30 Quarry Ridge Road
Barrie, ON
L4N9G4

Website

http://www.vincesavoia.com/

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