Dustin Wozniak - Dominion Lending Centres' Mortgage Force Team

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Dustin Wozniak - Dominion Lending Centres' Mortgage Force Team

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Helping to find my customers best the mortgage solution to fit their needs.

10/30/2026

Moving doesn’t always mean starting your mortgage from scratch.

If your mortgage is portable, you may be able to take it to your next home. But eligibility, closing dates, the new property, and any extra borrowing all need a closer look.

Porting may help avoid a prepayment penalty in some situations. It isn’t automatic, and keeping your current mortgage isn’t always the best overall option.

Before you list or write an offer, let’s compare the options. DM me “MOVE” and we’ll start with your current mortgage.

Dustin Wozniak | DW Mortgage | DLC Mortgage Force
780.965.6933

10/28/2026

KEEP CALM: the Bank of Canada has increased its policy rate by 0.25 percentage points, or 25 basis points.

What could that mean for your mortgage? If your lender increases prime by the same amount and your mortgage has adjustable payments, a useful estimate is approximately $15 more per month for every $100,000 of mortgage balance.

For illustration, a $100,000 balance with 25 years remaining, moving from 4.50% to 4.75%, increases by about $14.28/month using monthly compounding. That is about $57/month on $400,000 under the same assumptions. Actual amounts depend on your rate, remaining amortization, payment schedule and lender calculations.

Have a variable-rate mortgage with fixed payments? Your payment may stay the same while more goes toward interest, subject to your lender’s terms and trigger provisions. For an interest-only HELOC, a 0.25-point increase adds approximately $20.83/month in interest per $100,000 borrowed.

An existing fixed-rate mortgage keeps its contracted rate during the term. New fixed-rate offers do not automatically move by the same amount as the Bank’s decision.

No need to make a rushed decision. Reach out and we can review what this means for your particular mortgage and budget.

Dustin Wozniak | DW Mortgage | DLC Mortgage Force
780.965.6933

10/27/2026

You should feel comfortable asking questions about your mortgage. It’s a big decision, and understanding your options matters.

Thanks, Nader, for the kind words and for trusting me with your financing. Being available, explaining the details, and helping you find a solution that fits are a big part of how I work.

Buying, renewing, or reviewing your mortgage? Send me a message. I’m happy to help you work through it.

Dustin Wozniak | DW Mortgage | DLC Mortgage Force
780-965-6933

10/22/2026

Realtor partners: a little planning now can save a lot of holiday closing stress. 🎄

Here are my recommended dates for the 2026/27 holiday season:

• Thursday, December 17: my preferred last closing date before the holidays.
• Friday, December 18: my latest recommended December date. Thursday gives us a business day to work through unexpected issues before the weekend.
• Wednesday, January 6: my recommended earliest January closing date, allowing some catch-up time after New Year’s. If the timeline allows, the third week of January offers an even more comfortable buffer.

Holiday closures and reduced staffing can leave less time for mortgage instructions, client signatures, and funding. Each lender and law office has its own schedule, so confirm availability early.

These are my planning recommendations, not hard deadlines or a guarantee of funding. Closings outside these dates may still be possible with the right preparation.

Before you finalize a holiday closing date, give me a shout. We can review the financing timeline together and help your clients plan ahead.

Dustin Wozniak | DW Mortgage | DLC Mortgage Force
780.965.6933

10/21/2026

Self-employed and thinking about buying a home?

Let’s start with how your income is documented. Your tax returns, Notices of Assessment, business financial statements, and other records may help us assess the mortgage options available for your situation.

Requirements vary by lender and application. Send me a message with “BUSINESS” and we’ll work through the next steps.

Dustin Wozniak | DW Mortgage | DLC Mortgage Force
780-965-6933

10/16/2026

I take professional development seriously because the people I work with deserve someone who keeps learning.

This weekend, I’ll be in Calgary for Mortgage Professionals Canada’s National Mortgage Conference, connecting with mortgage professionals from across Canada and taking time to learn from the experience around me.

Being actively involved in the industry, and staying connected with lenders, fellow brokers, regulators, and industry leaders, helps me keep a broader perspective on the work I do every day.

I want to bring that knowledge and those relationships back to the conversations I have with my clients here in Edmonton and across Alberta.

Have a mortgage question you’d like me to keep in mind while I’m there? Leave it below or send me a message.

Dustin Wozniak | DW Mortgage | DLC Mortgage Force

10/07/2026

🏠 Are Canadian home prices actually more affordable than they look?

The average Canadian home is currently around $668,000, almost exactly where it was five years ago.

But when inflation is factored in, home values have actually dropped significantly in real terms. That creates an interesting opportunity for buyers who have been sitting on the sidelines.

Here’s the big takeaway:

📉 Entry prices have improved compared to the peak
💰 Affordability may have improved for buyers whose incomes have increased
🏡 Move-up buyers could benefit from a smaller price gap between their current home and their next one
⏳ Buying should still be about the long term, not trying to perfectly time the bottom

A slower housing market isn't necessarily bad news if you're looking to buy. Sometimes it creates opportunities that weren't there a few years ago.

Wondering what buying looks like with your income, down payment and monthly budget?

Send me a message and we can run the numbers.

Dustin Wozniak | DW Mortgage
📞 780-965-6933

.force.brokers

09/17/2026

A smooth mortgage process can make a huge difference during an already busy home purchase.

Thanks to Evan for the kind words and for trusting me to help with the financing. My goal is always to keep things simple, explain the details in plain language, and make the mortgage one less thing to stress about.

Buying a home or thinking about making a move? I’m always happy to chat.

.force.brokers

09/12/2026

Thinking about buying your next home?

Whether you’re looking for more space, a different neighbourhood, or just ready for a change, buying when you already own a home comes with a few extra questions.

Should you sell first or buy first?
How do you use the equity in your current home?
What happens to your existing mortgage?
And how do you make the timing work?

I’m going LIVE on YouTube October 1st at 7:00 PM (MDT) to walk through the process and some of the options you have when planning your next move.

If buying another home is something you’re considering in the next year or so, join me. I’ll keep it simple, practical, and leave some time for questions.

Can’t make it live? The replay will be available afterward.

https://www.youtube.com/live/rWzGQnt8umI?si=cjU2HLMEFouXgqAQ

09/10/2026

Why work with a mortgage broker?

Getting a mortgage isn't just about finding the lowest rate.

It's about finding the right mortgage for your situation today, while keeping your future plans in mind.

As a mortgage broker, my job is to understand the bigger picture. Whether you're buying your first home, moving up, renewing, refinancing, or you're self-employed, I help you understand your options and find a mortgage that makes sense for you.

I'm also proud to be part of Dominion Lending Centres, Canada's largest mortgage network. Collectively, DLC brokers originate more new residential mortgages annually than any individual bank, trust company, or credit union in Canada.

That national scale gives me access to a wide range of lenders, competitive mortgage products and strong lender relationships, while still giving you the personal, local advice and service you'd expect from DW Mortgage.

But what I'm most proud of is the trust my clients put in me. The 5-star reviews I've received aren't just a number. They represent real people and families who trusted me to help them through one of their biggest financial decisions.

My goal is pretty simple: give you good advice, explain your options in plain language, and help you make a confident mortgage decision.

Buying, renewing or refinancing?

📩 Send me a DM. I'm always happy to talk mortgages and answer your questions.

Address

9241 50 Street NW
Edmonton, AB
T6B3B6

Telephone

+17809656933

Website

http://www.dwmortgage.ca/

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