Laura and Marc Marchese - Key Mortgage Partners

11/02/2026

When was the last time you gave your mortgage a checkup?

Just like your physical health, your financial health deserves regular attention. And your mortgage is an important part of that picture!

Whether you’re approaching renewal, considering refinancing or simply wondering if your current mortgage still meets your needs, a mortgage checkup can help you understand where you stand and what options may be available.

During a mortgage review, we can help you:

• Review your current mortgage rate, terms and features.
• Explore whether your mortgage still aligns with your financial goals.
• Identify potential refinancing opportunities, including accessing home equity.
• Compare available lenders and mortgage products.
• Prepare for your next renewal before it’s time to make a decision.

Your circumstances may have changed since you first signed your mortgage. Your mortgage strategy may need to change, too.

Is your mortgage due for a checkup? Connect with your Mortgage Broker today!

10/31/2026

10/30/2026

Some mortgage myths just refuse to stay buried. ⚰️

You need a 20% down payment. The lowest rate is always the best choice. Your bank is your only option.

Three common mortgage misconceptions that deserve a final resting place.

In reality, eligible buyers may qualify with less than 20% down, the lowest rate doesn’t always mean the best mortgage, and your bank isn’t your only option. We can explore products from multiple lenders, each with different rates, terms and qualifying criteria.

Before making your next mortgage move, connect with your Mortgage Broker to separate fact from fiction and explore options that fit your needs.

10/28/2026

The Bank of Canada has officially changed course.

Following seven consecutive holds, the policy rate has increased by 25 basis points to 2.50%.

If a home purchase, mortgage renewal or refinancing is on your radar, now is a good time to revisit your numbers and see how today’s rate environment fits into your plans.

Wondering what this rate hike means for your mortgage? Connect with your Mortgage Broker for guidance tailored to your plans.

10/28/2026

This morning, the Bank of Canada raised its key interest rate by 0.25%, from 2.25% to 2.50%. This is the first increase in about three years.

This decision comes as inflation remains elevated, driven in part by higher energy prices and ongoing global economic uncertainty. The Bank of Canada is taking steps to help manage inflation and keep prices stable over the longer term.

What does it mean for your mortgage?

Variable-rate mortgages: Your lender’s prime rate is expected to rise by about 0.25%, which will increase your interest costs. Depending on your mortgage type, this could mean a slightly higher monthly payment or more of each payment going toward interest.

Fixed-rate mortgages: Your rate and payments won’t change for the rest of your term. Fixed rates follow bond yields rather than the Bank of Canada’s rate.
Coming up for renewal, or buying a home? Rates are shifting, so it’s a good time to look at your options. If your renewal is within the next 4–6 months, we can often lock in a rate early to protect you from further increases.

Home equity line of credit (HELOC): Your rate is tied to prime, so you can expect a similar 0.25% increase.

What should you do now?

There’s no need to panic. A 0.25% change is modest, and it’s worth looking at your whole financial picture before making any decisions. Every situation is a little different, so if you’re wondering how this affects your mortgage, we’re happy to take a look. We can check your payments, compare renewal / refinancing options, or talk through fixed versus variable.

10/26/2026

Qualifying for a mortgage amount doesn’t necessarily mean borrowing the full amount is the right decision.

Your mortgage should fit more than just your lender’s approval criteria. Monthly expenses, homeownership costs, lifestyle and future financial goals all deserve consideration when determining a comfortable borrowing amount.

We help homebuyers look beyond what they qualify for, compare mortgage options and find financing that works for their individual needs.

Buying a home? Let’s find a mortgage that fits your life, not just your borrowing limit. Connect with your Mortgage Broker today.

10/23/2026

Buying your first home comes with a lot of questions. Where do you start? How much can you afford? Which mortgage is right for you? And what happens between getting pre-approved and getting the keys?

With different lenders, interest rates, mortgage terms and financing requirements to consider, it’s easy to feel overwhelmed before you’ve even started house hunting.

But navigating the mortgage process doesn’t have to be complicated.

We help homebuyers make sense of their financing options, understand what they may qualify for and prepare for the decisions ahead. From reviewing your financial situation and comparing mortgage products to navigating lender requirements and coordinating financing, we’re here to guide you through the process.

Because finding the right mortgage isn’t just about securing a competitive rate. It’s about understanding the terms, features and financial commitments that come with it, and choosing financing that supports your homeownership goals.

Thinking about buying your first home but not sure where to begin? Connect with your Mortgage Broker and let’s turn those questions into a plan!

10/22/2026

Lock in or stay variable? 🤔
👉 Try Our Free Calculator: https://variable-rate-mortgage-check.netlify.app/

Got a fixed-rate offer from your lender? See what each option could cost you if rates rise, fall or hold.

10/21/2026

The scariest mortgage stories? The ones that aren’t even true.

Some mortgage myths have been haunting Canadian homebuyers for years. Let’s put three of the biggest ones to rest.

👻 Myth #1: You need a 20% down payment to buy a home.
Not necessarily! Eligible buyers can purchase a home with as little as 5% down, depending on the purchase price. A down payment below 20% typically requires mortgage loan insurance.

👻 Myth #2: You need perfect credit to qualify for a mortgage.
Your credit history matters, but a less-than-perfect score doesn’t automatically mean homeownership is out of reach. Different lenders have different qualification criteria.

👻 Myth #3: Getting pre-approved means your mortgage is guaranteed.
Not quite! A pre-approval gives you an idea of how much you may qualify to borrow, but final approval still depends on your finances, the property and the lender’s requirements.

The truth? Mortgage misinformation can be scarier than the mortgage process itself.

Have a mortgage question that’s been haunting you? Connect with your Mortgage Broker and get the facts before letting a myth make the decision for you.

10/19/2026

Bought a home with mortgage default insurance? That insurance could still have value when you’re ready to move again.

In Canada, mortgage default insurance portability may allow eligible homeowners to transfer their existing coverage to a new property, potentially reducing or eliminating the insurance premium payable on their next home purchase.

Depending on the insurer, timing and eligibility requirements, a premium credit may also be available.

Planning your next move? Connect with your Mortgage Broker to find out whether your existing mortgage insurance could help you save on your next purchase.