Tammy Pottie Mortgages at One Stop Financial Solutions

03/25/2026

02/19/2026

We now have two down payment programs in the country. The important thing is to look at all your options and pick the one best for you. As a broker I can provide this one and the full 5% down payment loan from the province as well as traditional mortgages. I’d be happy to run the numbers so you can make an informed decision.

News release New First-Time Homebuyers Program Reduces Minimum Down Payment 3 February 2026 | 10:27 AM Growth and Development housing Under the First-time Homebuyers Program, the required down payment is two per cent of the purchase price, less than half the usual minimum. (Province of Nova Scotia /...

02/17/2026

When determining if someone will qualify for a mortgage one items that are often forgotten are the property tax of the purchased property. In both a purchase and a re-finance the property taxes are considered a debt and have to be including in the amount is included in the Gross Debt Service (GDS) ratio and the Total Debt Service (TDS) ratio. The link below will explain how the province and the municipality your live determines the property tax amount.

Gross Debt Service (GDS) ratio and the Total Debt Service (TDS) ratio

02/13/2026

Are you spending your whole pay cheque on credit card debit? Is there equity in your home? Did you know that you maybe able refinance your mortgage and consolidate your debit into it? Many times a lower monthly cost then you are experiencing now? Contact me and see what options are available for you.

01/29/2026

No change in the Bank Of Canada Rate yesterday. Great news for variable mortgage holders.

01/01/2026

All the Best for the New Year!

01/01/2026

Are you struggling to save up for down payment? If you are a first time home buyer your might qualify for the Down Payment Assistance Program offered through the Province of Nova Scotia. As your mortgage broker I would help you with the process. Contact me now to discuss.

You can apply to the Down Payment Assistance Program for a loan of 5% of the purchase price of a home to help with the down payment.

10/29/2025

Rates drop by .25%. Great news for variable mortgage holders or people looking to refinance or purchase.

The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.

10/12/2025

09/17/2025

The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.5%, with the Bank Rate at 2.75% and the deposit rate at 2.45%.

07/30/2025

Great article to read and explain this decision and where we are and where we are expected to br going. No change today. The next annoucement is September 17th.

The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%.

07/22/2025

Found your dream home but there’s a few things needed to be done?