The VanderDuim Mortgage Team

The VanderDuim Mortgage Team Mortgages made simple, with service that feels like family. WE ARE HERE FOR YOU before, during and after your mortgage transaction closes.

About the Business

The VanderDuim Mortgage Team’s highest priority is to ensure that you receive professional superior service before, during and after the completion of your mortgage transaction. Whether you are buying your first home, trading up to a larger home, building the house of your dreams, or settling in for the later years of life, a home is the single biggest investment you will ever

make. Perhaps you need a restructure of your finances to assist with monthly cash flow; the VanderDuim Mortgage Team will take care of your mortgage for you! With over thirty years of residential mortgage experience, we search the mortgage market for the best mortgage product and features that will best suit your financial situation. Extensive current mortgage product knowledge and the VanderDuim Mortgage Team’s commitment to deliver exceptional service to you is our goal. We want you to be confident about referring your family, friends and co-workers to us. We thank you for your business! Let us take care of you and your mortgage from here! Melanie Antaya, AMP | Mortgage Broker
Sharon VanderDuim, AMP | Mortgage Agent Level 1
Krystal Westerink | Mortgage Agent Level 1

The VanderDuim Mortgage Team
175 Church Street, Bowmanville ON, L1C 1T8
905-623-9738 | [email protected]
Mortgage Architects # 12728

Backpacks are packed, lunches are ready(ish!), and a brand-new school year is beginning. ✏️📚Wishing all the students hea...
09/08/2026

Backpacks are packed, lunches are ready(ish!), and a brand-new school year is beginning. ✏️📚

Wishing all the students heading back to class a year filled with learning, confidence, new friendships and plenty of happy memories.

And to the parents and educators helping make it all happen—we hope the transition back is a smooth one! 💙

— The VanderDuim Mortgage Team

The Bank of Canada has maintained its policy rate at 2.25%, where it has remained since October 2025.This means the Prim...
09/02/2026

The Bank of Canada has maintained its policy rate at 2.25%, where it has remained since October 2025.
This means the Prime rate remains at 4.45%..

Why the hold?

📈 Canada’s economy is showing signs of recovery
⛽ Higher gasoline prices are keeping overall inflation near 3%
🌎 Trade tensions, tariffs and global uncertainty continue to create risks
🏠 The housing market has improved, but activity remains somewhat muted

What does this mean for mortgage borrowers?

For those with a variable-rate mortgage or home equity line of credit, there should be no immediate change resulting from today’s announcement.

Fixed mortgage rates are influenced by the bond market rather than the Bank of Canada’s policy rate, so they can still move independently.

The Bank will continue monitoring inflation, economic growth and global trade developments before deciding its next move.

The next Bank of Canada announcement is October 28.

Wondering how today’s announcement affects your mortgage plans? We’re always happy to help.

☎ 905-623-9738
✉ [email protected]
🌐 vmtmortgages.com

Your mortgage made simple, with service that feels like family.

The highest number on paper isn’t always the right number for your life. 🏡A mortgage qualification tells you how much yo...
09/01/2026

The highest number on paper isn’t always the right number for your life. 🏡

A mortgage qualification tells you how much you may be able to borrow—but a comfortable budget considers the full picture.

Property taxes, utilities, maintenance, childcare, savings and the things your family still wants to enjoy all matter when deciding what monthly payment truly works for you.

A smart home search doesn’t begin with the maximum.

It begins with a plan that lets you feel confident both before and after you get the keys. 🔑

Not sure what your comfortable number looks like? Let’s work through it together.

☎ 905-623-9738
✉ [email protected]
🌐vmtmortgages.com

Your mortgage made simple, with service that feels like family.

08/31/2026

FIXED vs. VARIABLE 📉🏡

One of the most common mortgage questions we hear is:
“Should I go fixed or variable?”

The answer? It really depends on you.

🔒 Fixed rates offer stability and predictable payments, which can make budgeting a little easier.

📈 Variable rates can move as prime rate changes, meaning your rate and/or payment may fluctuate depending on the mortgage product.

Neither option is automatically “better.”

The right choice depends on your comfort level, financial goals, future plans, and how much flexibility you want in your mortgage.

That’s where we come in. 💙 We can walk you through both options and help you choose the mortgage strategy that makes the most sense for your situation.

☎️ 905-623-9738
✉️ [email protected]
🌐 vmtmortgages.com
Your mortgage made simple, with service that feels like family.

🏡 Want to pay off your mortgage a little faster?Many mortgages include prepayment privileges that allow you to put extra...
08/28/2026

🏡 Want to pay off your mortgage a little faster?

Many mortgages include prepayment privileges that allow you to put extra money directly toward your principal—without a penalty, as long as you stay within your lender’s limits.

Depending on your mortgage, you may be able to:
✨ Increase your regular payments
✨ Make a lump-sum payment each year
✨ Double up your scheduled payments

Even smaller additional payments can reduce the interest you pay and help you become mortgage-free sooner.

Not sure what your mortgage allows? We can help you review your prepayment options and make the most of them.

☎️ 905-623-9738
✉️ [email protected]
🌐 vmtmortgages.com

Your mortgage made simple, with service that feels like family.

08/24/2026

Being self-employed doesn’t mean getting a mortgage is out of reach.

In fact, we help business owners, contractors, commission earners, freelancers, and incorporated professionals secure financing every year.

The process is simply a little different.

Lenders may look at your income differently than they would for someone with a T4, but that doesn’t mean you have fewer opportunities.

The biggest advantage? Starting the conversation early.

That gives us time to review your income, discuss your goals, and find the lender that’s the best fit for your unique situation.

You built a business—let’s build a mortgage strategy that works for you.

☎ 905-623-9738
✉ [email protected]
🌐 vmtmortgages.com

Your mortgage made simple, with service that feels like family.

If a TFSA and an RRSP had a baby… it would basically be an FHSA. 👶🏡Here’s the simplest way to think about a First Home S...
08/20/2026

If a TFSA and an RRSP had a baby… it would basically be an FHSA. 👶🏡

Here’s the simplest way to think about a First Home Savings Account (FHSA):

💙 Like an RRSP: Your contributions can reduce your taxable income.
💙 Like a TFSA: Your investments can grow tax-free, and qualifying withdrawals to purchase your first home are tax-free.
🏡 FHSA = some of the best features of both.

You can contribute up to $8,000 per year, with a $40,000 lifetime contribution limit.

If buying your first home is somewhere in your future—even if you’re not quite ready yet—it may be worth having a conversation about how an FHSA can fit into your plan.

☎ 905-623-9738
✉️ [email protected]
🌐 vmtmortgages.com

Your mortgage made simple, with service that feels like family.

BackToBasics

08/17/2026

💰 Let’s talk down payments.

Think you need 20% down to purchase a home? For many buyers, that simply isn’t the case.

🏡 Minimum down-payment requirements:

• $500,000 or less: 5%
• Over $500,000 but under $1.5 million: 5% on the first $500,000 + 10% on the remaining amount
• $1.5 million or more: 20%

Your down payment may come from several eligible sources, including:

✔️ Personal savings
✔️ A First Home Savings Account (FHSA)
✔️ RRSP funds through the Home Buyers’ Plan
✔️ Investments
✔️ A gift from an immediate family member

Keep in mind that a down payment below 20% typically requires mortgage default insurance, and lender requirements can vary.

Before you count yourself out, let’s look at your numbers and explore the options available to you. 🤍

☎ 905-623-9738
✉ [email protected]
🌐 vmtmortgages.com

Your mortgage made simple, with service that feels like family.

08/14/2026

POV: It’s 4:57 on a Friday and the underwriter finally says, “FILE COMPLETE.” 🎉

Suddenly, the weekend hits a little different. 😂

If you know, you know. 🏡💙

A familiar home-buying story: ‘I’ll talk to someone once my credit is perfect.’ So the questions wait. The plan waits. A...
08/11/2026

A familiar home-buying story:

‘I’ll talk to someone once my credit is perfect.’

So the questions wait. The plan waits. And months can pass without knowing whether ‘perfect’ was even necessary.

Your credit matters, but one number doesn’t tell the whole story. An early conversation can help you understand what is already working, what may need attention, and which changes could actually make a difference.

You don’t need to fix everything alone before asking for guidance.

☎ 905-623-9738
✉ [email protected]
🌐 vmtmortgages.com

Your mortgage made simple, with service that feels like family.

Address

175 Church Street
Bowmanville, ON
L1C1T8

Opening Hours

Monday 9:30am - 5pm
Tuesday 9:30am - 5pm
Wednesday 9:30am - 5pm
Thursday 9:30am - 5pm
Friday 9:30am - 5pm

Telephone

+19056239738

Website

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