Katie Edgley - Mortgage Agent

09/25/2025

Did you know paying off your mortgage isn’t the final step?

Even after your mortgage is paid in full, the lender’s charge may still remain on your property’s title. This means your home may still show an old mortgage on record — even though you don’t owe anything!

This process is called discharging a mortgage. It officially removes the lender’s charge from your land title. A lawyer, notary, or even you (with the right documents) can complete this at the land titles office.

✅ Mortgage = your loan
✅ Title = the ownership record of your property
👉 They’re connected, but separate!

If you’ve paid off your mortgage, double-check that it’s also been discharged from the title. It’s a common oversight, but one that’s fixable with the proper paperwork.

07/31/2025

07/31/2025

Bank of Canada held it's policy rate for the next term.

Automatically view the rate announcement the moment it is published.

03/17/2025

03/12/2025

Automatically view the rate announcement the moment it is published.

01/29/2025

The Bank of Canada reduced its policy rate by 25 basis points to 3% today!

Automatically view the rate announcement the moment it is published.

09/25/2024

BREAKING: The Globe and Mail is reporting that OSFI will remove the stress test for uninsured mortgage switches. A formal announcement is expected on Nov. 21. https://www.canadianmortgagetrends.com/2024/09/osfi-to-end-stress-test-requirement-for-uninsured-mortgage-switches/

06/05/2024

BOC interest rate drop today 25bps!
If you have a variable rate mortgage this means that your mortgage payment will decrease!

If you are looking to purchase, refinance or simply renew your mortgage please reach out and I can help with any questions you have. 😉

Stay cool out there today 😎

03/04/2024

With the spring like weather in the air it's almost home buying season! 🏠

If your mortgage is coming up for renewal, you'd like to switch lenders, you're purchasing a new home or you would like to refinance reach out to me and I can help you out at no cost to you!

12/21/2023

Wishing you and yours a wonderful holiday season!
Thank you everyone for your continued support.

12/06/2023

If you are looking at a renewal in the next few months things are looking up! For the first time since last spring, mortgage shoppers finally have a condition-free sub-5% fixed mortgage rate option!
Reach out and I can help you with your mortgage needs :)