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Debbie Viveiros Mortgage Agent

Home
Canada
Bradford, ON
Debbie Viveiros Mortgage Agent

Mortgage Agent Level 2

01/28/2026

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.

What’s happening in Canada?

• Canada’s economy slowed at the end of last year
• U.S. tariffs are still hurting exports
• Consumer spending is improving
• Jobs have increased, but unemployment is still high at 6.8%
• Many businesses are hesitant to hire right now

The Canadian dollar is sitting just above 72 cents USD, and oil prices continue to move up and down due to global events.

Canada’s economy is expected to grow slowly as population growth cools and we adjust to U.S. trade restrictions.

Projected growth:
• 2026: 1.1%
• 2027: 1.5%
What is the Bank of Canada doing?
The Bank believes interest rates are appropriate for now and is focused on keeping inflation stable while supporting the economy. They’re watching global risks closely and are ready to adjust if needed.

Bottom line:
✔️ Inflation is under control
✔️ Growth will be slow but steady
⚠️ Trade uncertainty remains
🧭 The Bank of Canada is staying cautious but prepared

01/13/2026

I’m truly honoured to share that I’ve been nominated for small business awards, including:
• Business Excellence Award
• Community Impact Award
• Home-Based Business Award
• Entrepreneur of the Year
• Woman of Influence
These nominations are not mine alone , they belong to my clients, referral partners, friends, and community who trust me, support my business, and allow me to do work I genuinely love every day.
Running a small business (especially a home-based one) means wearing many hats, working long hours, and always putting people first. Your confidence in me, your referrals, and your kind words are the reason this business continues to grow.
From the bottom of my heart thank you for believing in me and for being such an important part of my journey. I’m proud to serve this community 🤍

01/07/2026

Starting the year off with some new certifications! Lets go 2026!!

12/04/2025

Don't miss out on the most wonderful event of the season at Snow Much Fun! ⛄🎄

❄️Tree lighting
❄️Train rides
❄️FREE skating
❄️Winter market
❄️Cupcake decorating for kids
& more!

📅Friday, December 5
🕕️6:00-8:30pm
📍BWG Leisure Centre⁠/Public Square/BWG Public Library ⁠ℹ️www.townofbwg.com/snowmuchfun
Snow Much Fun is proudly sponsored by

11/29/2025

SNOW MUCH FUN 2025! is BACK!!

Don't miss out on the most wonderful event of the season at Snow Much Fun! ⛄🎄
❄️Tree lighting
❄️Train rides
❄️FREE skating
❄️Winter market
❄️Cupcake decorating for kids
& more!

📅Friday, December 5
🕕️6:00-8:30pm
📍BWG Leisure Centre⁠/Public Square/BWG Public Library ⁠ℹ️www.townofbwg.com/snowmuchfun

Snow Much Fun is proudly sponsored by

10/29/2025

The Bank of Canada has announced a 0.25% rate cut! This decision was primarily prompted by weaking economic growth and softening in the labour market. Inflation sits at 2.4% as of September which is an increase from August 2025

What is the impact?
Variable Rate Mortgages and Home Equity line of Credit Holders will see a decrease in their interest rate. There is NO DIRECT Impact on Fixed Mortgage Rates.
Market predicts the potential for another interest rate cut before the end of 2025

05/07/2025

Its Back! The annual Touch a Truck Event is happening soon! Come meet real-life heroes! Last year there were over 3,000 in attendance. It was a ton of fun and I am thrilled to be a part of it again this year.

BWG Fire will be joining us at Touch a Truck ⁠
⁠
Wednesday, May 21⁠
4:30-7:30pm⁠
Urban Operations Centre (75 Melbourne Drive)⁠
⁠
Presenting sponsor and supporting sponsors and Mister Treats for helping make this event possible!

02/25/2025

🔑 "Renew, Refinance, Relax!" 🏠✨

Make the most of today’s mortgage market—let’s find the best fit for you! 💡
In light of Ontario's evolving economic landscape and the recent adjustments in mortgage interest rates, it's crucial to reassess your mortgage strategy as renewal approaches. The Bank of Canada has been gradually reducing its benchmark interest rate, now at 3.00% as of January 29, 2025, with further cuts anticipated throughout the year.

These changes present an opportunity to potentially secure more favorable terms on your mortgage. However, the current economic environment, influenced by factors such as proposed tariffs and geopolitical uncertainties, adds complexity to financial planning.

To navigate these developments effectively, it's advisable to consult with a mortgage professional who can provide personalized advice tailored to your situation. Reach out today to discuss your options and ensure you're making informed decisions about your mortgage renewal.

02/24/2025

🌟 Unlock Your Path to Homeownership with an FHSA! 🏠✨

Did you know? With a First Home Savings Account (FHSA), you can contribute up to $8,000 per year, with a lifetime max of $40,000! 🚀

✅ Tax-Deductible Contributions
✅ Tax-Free Withdrawals (including all growth!)
✅ No Repayment Required (unlike the RRSP Home Buyers’ Plan)

📅 Pro Tip: Open your FHSA now to maximize your 2024 contribution room and score an income tax break! Plus, keep the momentum going—reinvest your tax refund into your FHSA for 2025 and watch your savings grow! 💰🌱

Ready to get started? Reach out today!

12/02/2024

Celebrate the winter season with the Town of Bradford West Gwillimbury’s Snow Much Fun event on Friday, December 6, 2024, from 6:00-8:30 pm at the BWG Leisure Centre.

The event begins at 6:00 pm!

1. A tree lighting ceremony outside the BWG Leisure Centre
2. Make winter theme crafts.
3. Decorate cupcakes
4. Play a Grinch Game
5. Get their picture taken in a snow globe
6. Free toys given to children under 10 (while supplies last)
7. Train rides in Sunshine Square
8. Strolling busker acts
9. Outdoor photo frame
10. A small holiday market featuring local BWG businesses.

The BWG Library will also have games taking place in the café area.

Activities taking place inside the BWG Leisure Centre feature Leisure Skating from 6:00-8:15 pm.

This event is open to everyone, and all activities are free of charge. This event is made possible thanks to the generous support of our sponsor List With Louise - The Louise Batista Team and Debbie Viveiros Mortgage Agent

11/17/2024

🎄❄️ Snow Much Fun! ❄️🎄
𝘓𝘪𝘬𝘦 𝘢 𝘏𝘢𝘭𝘭𝘮𝘢𝘳𝘬 𝘊𝘩𝘳𝘪𝘴𝘵𝘮𝘢𝘴 𝘔𝘰𝘷𝘪𝘦. 🥰 ⁣
⁣⁣
✨ What to Expect:
🎄 Tree Lighting
⛸️ FREE Skating
♥️ Activities for All Ages – Crafts, games & giveaways for the little ones! 🎁

𝘛𝘰 𝘩𝘦𝘭𝘱 𝘦𝘷𝘦𝘳𝘺𝘰𝘯𝘦 𝘨𝘦𝘵 𝘪𝘯 𝘵𝘩𝘦 𝘩𝘰𝘭𝘪𝘥𝘢𝘺 𝘴𝘱𝘪𝘳𝘪𝘵 ✨ 𝘸𝘪𝘵𝘩 𝘴𝘰 𝘮𝘶𝘤𝘩 𝘨𝘳𝘢𝘵𝘪𝘵𝘶𝘥𝘦 🙏🏼 𝘧𝘰𝘳 𝘰𝘶𝘳 𝘢𝘮𝘢𝘻𝘪𝘯𝘨 𝘤𝘰𝘮𝘮𝘶𝘯𝘪𝘵𝘺…⁣ ♥️

📅 When: Friday, December 6th from 6:00-8:30 pm
📍 Where: BWG Leisure Centre

Snow Much Fun ❄️ is proudly sponsored by Santa’s Favourite Real Estate Team 🙋🏻‍♀️ List With Louise - The Louise Batista Team and Debbie Viveiros Mortgage Agent with MortgageEdge in partnership with the Town of Bradford West Gwillimbury

Visit www.townofbwg.com/snowmuchfun for more details.

We can’t wait to see you all there! ♥️ ⛄️

Address

Bradford, ON
L3Z0A8

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 5pm

Website

http://debbieviveiros.com/

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