Dustin Wozniak - Dominion Lending Centres' Mortgage Force Team

Dustin Wozniak - Dominion Lending Centres' Mortgage Force Team Helping to find my customers best the mortgage solution to fit their needs.

A Strong Pre-Approval Makes Everyone's Job Easier.A solid mortgage pre-approval doesn't just help the buyer.It helps eve...
09/03/2026

A Strong Pre-Approval Makes Everyone's Job Easier.

A solid mortgage pre-approval doesn't just help the buyer.

It helps everyone involved.

🏡 Buyers know their budget.
🏡 Realtors write stronger offers.
🏡 Lawyers see fewer financing delays.
🏡 Sellers gain confidence.

Getting financing organized before house hunting helps transactions move more smoothly from accepted offer to possession day.

It's one of the easiest ways to reduce surprises.

📩 Whether you're buying or referring clients, I'm always happy to help build a solid financing plan.

🏦 Bank of Canada Holds Rates Steady AgainNo big surprise today. The Bank of Canada decided to leave rates right where th...
09/02/2026

🏦 Bank of Canada Holds Rates Steady Again

No big surprise today. The Bank of Canada decided to leave rates right where they are.

One interesting takeaway is that despite higher oil prices, one of the Bank’s key measures of underlying inflation is now below 2% and trending lower. If that continues, it could give the Bank more room to keep rates steady or potentially lower them down the road.

Bond yields are still elevated though, which continues to put some pressure on fixed mortgage rates.

📅 Next Bank of Canada announcement: October 28th.

Moving into your next home is often more complicated than buying your first.Questions I hear all the time:Should I buy f...
08/27/2026

Moving into your next home is often more complicated than buying your first.

Questions I hear all the time:

Should I buy first?
Should I sell first?
Can I carry two mortgages?
How much equity do I have?

The right answer depends on your finances, your timeline and today's market.

Planning before making an offer can reduce stress and help you negotiate with confidence.

📩 Thinking about your next move? Let's build a plan before you start shopping.

Self-Employed? Yes, You Can Still Get a Mortgage.Being self-employed doesn't mean you can't qualify for a mortgage.It ju...
08/25/2026

Self-Employed? Yes, You Can Still Get a Mortgage.

Being self-employed doesn't mean you can't qualify for a mortgage.

It just means lenders often look at your income differently.

Whether you're incorporated, a sole proprietor, or a contractor, there may be more options than you realize.

Planning ahead can make a huge difference.

The earlier we start, the more opportunities we have to position your application for success.

📩 If you're self-employed, let's build a strategy before you start house hunting.

Refinancing. Is It the Right Move? Refinancing isn't just about getting a lower interest rate.Many homeowners refinance ...
08/13/2026

Refinancing. Is It the Right Move?

Refinancing isn't just about getting a lower interest rate.

Many homeowners refinance to:

✔ Consolidate high-interest debt
✔ Fund renovations
✔ Access home equity
✔ Improve monthly cash flow
✔ Pay off expensive loans

The key is making sure the long-term savings outweigh the costs.

Every homeowner's situation is different.

A refinance should solve a problem, not create one.

📩 Thinking about using your home's equity? Let's see if refinancing makes sense.

🚴 Year 7. Another 200km. Same important cause.This August, I’m once again taking part in the Great Cycle Challenge Canad...
08/12/2026

🚴 Year 7. Another 200km. Same important cause.

This August, I’m once again taking part in the Great Cycle Challenge Canada, committing to ride 200km on my mountain bike to raise funds and awareness in the fight against childhood cancer.

This will be my 7th year participating, and it’s a cause that continues to mean a lot to me.

I can’t imagine what it would be like to be a child fighting cancer, or what their parents and families go through alongside them. Kids should be worrying about being kids, not treatments, hospital stays, and fighting for their lives.

So throughout August, I’ll be hitting the trails and putting in 200km to help raise money for the SickKids Foundation, supporting childhood cancer research and care.

If you’d like to support my ride, I’d be incredibly grateful for a donation. Whether it’s $5, $20, $100, or simply sharing this post, every bit of support helps the cause.

200km. One month. One goal: help give kids fighting cancer a brighter future. 💛

Link to donate in my bio.

Fixed or Variable? There's No One-Size-Fits-All Answer.This is probably one of the questions I'm asked most.The answer?I...
08/11/2026

Fixed or Variable? There's No One-Size-Fits-All Answer.

This is probably one of the questions I'm asked most.

The answer?

It depends.

A fixed mortgage offers payment stability.

A variable mortgage may offer more flexibility and can perform differently depending on the interest rate environment.

Rather than asking:

"Which one is better?"

Ask:

"Which one fits my financial goals and comfort level?"

The best mortgage isn't necessarily the one with the lowest rate.

It's the one that helps you sleep at night.

📩 Let's compare both options based on your situation, not someone else's

When your lender sends your renewal offer, it's designed to make renewing easy.But easy doesn't always mean it's your be...
08/07/2026

When your lender sends your renewal offer, it's designed to make renewing easy.

But easy doesn't always mean it's your best option.

Before signing, ask yourself:

✔ Is this the best rate available?
✔ Does the mortgage still fit my goals?
✔ Should I change my payment?
✔ Should I switch lenders?
✔ Is it time to refinance?

Many homeowners are surprised to learn they can shop their renewal without paying a penalty.

A quick review could save thousands over the next term.

📩 If your mortgage renews in the next 6 months, let's review your options together.

You'll often hear these two mortgage terms, but what do they actually mean?High-Ratio Mortgage✔ Less than 20% down✔ Mort...
08/03/2026

You'll often hear these two mortgage terms, but what do they actually mean?

High-Ratio Mortgage
✔ Less than 20% down
✔ Mortgage default insurance required
✔ Often comes with very competitive interest rates

Conventional Mortgage
✔ 20% or more down
✔ No mortgage default insurance
✔ More flexibility with certain lending options

Many buyers assume mortgage insurance is "bad."

In reality, it helps thousands of Canadians become homeowners years sooner than waiting to save a larger down payment.

The right option depends on your goals, not just your down payment.

📩 Not sure which option fits your situation? Let's talk.

One of the biggest myths I hear is:"I need to wait until I save 20%."For many Canadians, that simply isn't necessary.You...
07/28/2026

One of the biggest myths I hear is:

"I need to wait until I save 20%."

For many Canadians, that simply isn't necessary.

You can purchase a home with as little as:

🏠 5% up to a $500k purchase. For purchase prices higher please reach out for minimum down payment.

Waiting years to save 20% could mean:

• Higher home prices
• Higher rent payments
• Missing years of building equity

Every situation is different, but don't let this myth stop you from exploring your options.

Sometimes buyers qualify much sooner than they expected.

📩 Wondering how much down payment you'd actually need? Let's run the numbers together.

Address

9241 50 Street NW
Edmonton, AB
T6B3B6

Telephone

+17809656933

Website

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