The Kawartha Mortgage Broker

11/22/2025

10/17/2025

Under 500k steps from the water 💧 think about your morning walks and how beautiful they would be!

85 THOMAS DRIVE, Kawartha Lakes (Verulam), Ontario K0M1N0

10/17/2025

What a deal this one is !!!

68 WALMAC SHORES ROAD, Kawartha Lakes (Bobcaygeon), Ontario K0M1A0

05/09/2025

Bailey !!! We’re excited to have you on board as our newest Mortgage Agent! Your expertise and dedication will be a valuable addition to our growing team. We look forward to achieving great things together and supporting you every step of the way. Welcome to the family!

Bailey Murray is a licensed Mortgage Professional specializing in first and second residential mortgage lending. With a strong foundation as a former mortgage assistant, Bailey recently graduated with a mortgage agent license and is passionate about guiding clients through one of life’s biggest financial decisions. Known for a people-first approach, Bailey thrives on helping individuals and families achieve their dreams of homeownership with confidence and clarity.

12/17/2024

Refinancing your mortgage doesn’t have to feel overwhelming—it could actually be one of the best financial decisions you make! 🌟

Whether you want to save money, tackle debt, or unlock the potential of your home equity, refinancing can open the door to exciting possibilities. 🏡✨

Here are a few reasons to explore your options:

1️⃣ Lower your monthly payments 💰
2️⃣ Consolidate debt 📊
3️⃣ Tap into your home’s equity 💵
4️⃣ Adjust your loan terms 🔁
5️⃣ Align with life changes 🌱

Reach out to see if refinancing makes sense for you.

12/10/2024

Finding a co-signer for your mortgage is a great solution, but not everyone is comfortable taking on that responsibility. Below are three alternatives to having a co-signer on your mortgage:

1️⃣ Receiving a gifted down payment. Depending on the amount, a gifted down payment might be exactly what is needed to help qualify for a mortgage without needing a co-signer.

2️⃣ Getting a joint mortgage. Joint mortgages are popular with parents helping their children buy a first home. They give both parties equal responsibility to make payments. In return, all parties get equal ownership of the home.

3️⃣ Using buyer assistance programs like the First Home Savings Account.

For more information, reach out for a free consultation.

12/03/2024

Did you know that extra income could help you qualify for a mortgage? It’s not just about your main job—lenders consider all of your income sources!

🔑 What Counts as Extra Income?
🔹 Side hustles or freelance work
🔹 Rental income (like a basement suite)
🔹 Child tax benefits
🔹 Overtime, bonuses, or part-time jobs

💡 How I Can Help:
🔹 Show you how to include extra income in your application.
🔹 Connect you with lenders who value all your income sources.
🔹 Guide you through the approval process to secure the best deal.

Ready to make your dream home a reality? Reach out to get started! 🏡✨

11/26/2024

As you may have heard, the minimum down payment requirement for insured mortgages is now expanding from $1 million to $1.5 million.

As of December 15th, buyers can take advantage of lower down payment options. Instead of the previous 20% requirement for homes over $1 million, you can now pay 5% on the first $500,000 and 10% on the remaining amount up to $1.5 million.

This change can reduce the minimum down payment by over $100,000 for homes priced between $1 million and $1.5 million, making homeownership more accessible.

Reach out for more information.

11/20/2024

Feeling the pinch of elevated mortgage rates or high-interest consumer debt? Now might be a great time to consider breaking your mortgage contract! While it's important to be aware of potential fees, refinancing can lead to significant savings. Plus, refinancing to pay off high-interest debt can really help increase monthly cashflow.

Reach out and start the conversation about how refinancing could work for you!

11/12/2024

Two major banks predict a 1.75% rate cut by late 2025, possibly lowering the Bank of Canada’s rate to 2.00%. With recent cuts already underway, now’s a great time to review your mortgage strategy. Whether you're leaning toward variable or fixed rates, I can guide you to the best choice for your goals.

Reach out today!