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DLC National Team Done Mortgage

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DLC National Team Done Mortgage

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Done Mortgage | DLC National

For Homeowners & Buyers: We offer expert mortgage solutions and competitive rates.

Let’s succeed together!

📞 +1 (647) 864-2283

We’re Hiring Mortgage Agents! Join us for top-tier training and unlimited earning potential.

10/28/2026

🔔 Bank of Canada raises the key rate to 2.50%

For the first time since July 2023, the Bank has moved up — a 25 bps increase from 2.25% to 2.50%, ending seven straight holds.

Here’s what it actually means for your mortgage 👇

📈 Variable rates move up — lenders are expected to raise prime, so variable mortgages and HELOCs rise about 0.25%.

📊 Fixed rates work differently — they follow bond yields, not the overnight rate. Compare both before you commit.

📅 Renewing within the year? Governor Macklem signalled more hikes are possible. Review your renewal sooner rather than later.

Next Bank of Canada decision: December 9, 2026.

Not sure what this means for your payments? Let’s run your actual numbers — no pressure, no obligation.

📞 +1 (647) 864-2283

10/23/2026

Buying a new build in Ontario? There’s up to $130,000 sitting on the table.

Ontario’s enhanced new housing rebate removes the full 13% HST on new and substantially renovated homes bought from a builder — 8% provincial plus a 5% federal top-up.

What most people get wrong: this is NOT just for first-time buyers. Repeat buyers and newcomers qualify too.

How the rebate scales:
🏠 Up to $1M → full $130,000
🏠 $1M–$1.5M → $130,000
🏠 $1.5M–$1.85M → scales down toward $24,000
🏠 $1.85M+ → $24,000 under the existing rebate

The catch is the window. Your Agreement of Purchase and Sale has to be signed between April 1, 2026 and March 31, 2027. There are also construction start and completion deadlines that apply to the build itself.

Thinking about a new build? Let’s work out what you’d actually get back before you sign anything.

10/21/2026

Your renewal letter just landed. Please don’t sign it yet. ✋
Here’s why: the bank’s first offer is built for the bank, not for you. Posted 5-year fixed rates at the big banks are sitting around 4.79% to 5.14%, while the lowest broker-channel rate is 4.34%.

On a $500,000 mortgage, that gap can be about $225 a month. Over a 5-year term, that’s roughly $13,500 staying in your pocket instead of the bank’s. 💸
What most people don’t know:

✅ There’s no penalty to switch lenders at maturity
✅ A broker shops multiple lenders for you, at no cost
✅ You can start up to 120 days before your renewal date
Renewing in the next 4 months? Send us a photo of your renewal letter and we’ll tell you in 24 hours whether you can do better.

📩 DM us or call +1 647-864-2283

10/16/2026

The Bank of Canada hasn’t touched its rate in a year. So why did your fixed-rate quote just go up? 🤔

Here’s the part most people miss:
📉 Fixed mortgage rates follow Government of Canada bond yields, not the BoC.
📈 The 5-year bond yield hit a 52-week high of 3.73% on Sep 28, and all six big banks have raised fixed rates since September.
🏦 The BoC rate (2.25%) only moves prime, which is what variable mortgages follow.

Translation: fixed rates can climb even while the BoC sits still. And with the next BoC decision on Oct 28, the smart move is to hold a rate now.
✅ Rate holds up to 120 days
✅ Free, no obligation
✅ If rates drop, you get the lower rate
Call/text +1 647-864-2283 or DM us “HOLD” and we’ll get started today.

10/12/2026

Happy Thanksgiving from all of us at Team Done Mortgage! 🍁

This season, we're thankful for every family who has trusted us with their home, and for the partners and friends who support us along the way.

Wishing you a warm table, good company and a happy Thanksgiving with the people who matter most.

📞 647-864-2283
🌐 donemortgage.ca

10/02/2026

🏡 Your down payment isn't the only cash you need on closing day.

Many buyers save hard for their down payment, then get surprised by closing costs. A common rule of thumb is to set aside 1.5%–4% of the purchase price on top of your down payment.

Here are 6 costs to plan for:

1️⃣ Land transfer tax. Ontario charges it on every purchase, and Toronto adds a second one. First-time buyers could get up to $4,000 back.

2️⃣ Legal fees. Your lawyer handles the title search, paperwork and closing, plus disbursements.

3️⃣ Home inspection. It's optional, but it could save you from costly surprises after you move in.

4️⃣ Title insurance. A one-time cost that protects you against title fraud and defects.

5️⃣ PST on mortgage insurance. If you put less than 20% down, Ontario charges 8% PST on the insurance premium. It's paid in cash at closing and can't be added to your mortgage.

6️⃣ Adjustments. You could owe the seller back for property tax or utilities they already prepaid.

💡 Knowing these numbers early means no last-minute stress, and no scrambling for cash a week before you get your keys.

🔖 Save this post for when you start house hunting, and tag someone who's saving for their first home.

Ready to plan your full budget? Book a mortgage review with us.
📞 647-864-2283
🌐 donemortgage.ca

Team Done Mortgage | Dominion Lending Centres National Ltd. | FSRA #12360
Costs vary by property, location and situation.

09/25/2026

Saving for your first home? 🏡 Two government programs could help you get there faster.

💰 FHSA (First Home Savings Account)
Save up to $8,000 a year, to a $40,000 lifetime limit. Contributions are tax-deductible, and qualifying withdrawals are tax-free.

💰 RRSP Home Buyers' Plan (HBP)
Withdraw up to $60,000 from your own RRSP tax-free, then repay it over 15 years.

Use both together and you could put up to $100,000 toward your down payment, per eligible buyer. Buying with a partner who also qualifies? That number could be even higher.

Let's map out a plan that fits your goals.

📞 647-864-2283
🌐 donemortgage.ca

09/14/2026

Inflation held at 3% in August — the same as July. Core measures stayed near 2%, which tells us high energy prices aren't leaking into the rest of the economy yet.

Why that matters if you have a mortgage: fixed rates have climbed hard over the past month while variable has stayed put. Markets were pricing in an October hike; this report cooled those odds.

Two dates to watch — Oct 19 (next CPI) and Oct 28 (Bank of Canada decision).

Thinking fixed vs variable on a purchase or renewal? Send us a DM and we'll run both scenarios on your actual numbers. 📩 647-864-2283

09/10/2026

Ontario's new-home HST rebate is one of the biggest housing incentives we've seen — and the window is closing.

If you sign an agreement with a builder before March 31, 2027, you could get back up to $130,000 in HST on a newly built home.

What most people don't realize:
✅ It's not just for first-time buyers — repeat buyers and investors qualify too
✅ Pre-construction condos, towns, semis and detached all count
✅ It's already law, retroactive to April 1, 2026

The date that matters is when your agreement is signed, not when you close. If a new build is anywhere in your plans, that's worth knowing now rather than in February.

Want to know what this looks like on your numbers? Send us a message.

📞 647-864-2283 | 🌐 https://zurl.co/7vVSy
Dominion Lending Centres National Ltd. | FSRA #12360

09/08/2026

Happy Labour Day from Team Done Mortgage 🇨🇦

Today is about the people who put in the work — the tradespeople, the shift workers, the small business owners, the folks doing two jobs to get to that first down payment. The homes we help finance don't exist without you.

Wishing you and your family a safe, restful long weekend.

📞 647-864-2283 | 🌐 https://zurl.co/jQOzZ
Dominion Lending Centres National Ltd. | FSRA #12360

Address

7 Strathearn Avenue
Brampton, ON
L6T4P1

Opening Hours

Monday	9:30am - 6:30pm
Tuesday	9:30am - 6:30pm
Wednesday	9:30am - 6:30pm
Thursday	9:30am - 6:30pm
Friday	9:30am - 6:30pm
Saturday	9:30am - 6:30pm

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