Rico Johnston Premiere Mortgage Centre - Good Fit Mortgage Solutions

Rico Johnston Premiere Mortgage Centre - Good Fit Mortgage Solutions Bilingual in French
Mortgage Broker · Sudbury and Ontario. Good Fit Mortgage Solutions · Powered by Premiere Mortgage Centre. Brokerage Lic #10317

As a licensed mortgage broker with 25+ years of experience in the Financial Industry, I’m passionate about helping clients across Ontario secure the best solutions for their unique needs. Whether you're buying your first home, renewing, refinancing, or investing, I provide personalized guidance to make informed decisions. Based in Greater Sudbury, I proudly serve families and individuals while balancing a fulfilling family life with my wife Melanie and our two children. When not assisting clients, I’m active in the community as a volunteer with the Knights of Columbus and a coach for local hockey, baseball, soccer, and ball hockey leagues.

Happy Labour Day!Our office is closed today in recognition of this worker's holiday but we are back to regular hours tom...
09/07/2026

Happy Labour Day!

Our office is closed today in recognition of this worker's holiday but we are back to regular hours tomorrow and looking forward to helping you reach your home ownership goals.

09/02/2026

The Bank of Canada held the policy rate at 2.25% today, which keeps most lender's Prime at 4.45%.

For variable borrowers, nothing changes. But fixed-rates are influenced by bond yield and react to what's happening in the economy. Although Canada's economy is currently doing alright, the outlook is never certain.

An argument can be made for both fixed and variable rates right now.

If you're renewing soon, you don't need to wait for your renewal notice. We can help you explore options now and choose the one that you're most comfortable with.

If you're buying, getting a pre-approval will help you avoid rate fatigue. You can shop with confidence knowing you'll have the best rate, whether things trend up or down.

Having a plan A, B, and maybe even C is the best strategy right now.

If you'd like to go over numbers and options, reach out.

📞 705-588-4747
📧 [email protected]

🍂 September in the North. The mornings sharpen. So do the conversations.There's a clarity that comes with the turn of se...
09/01/2026

🍂 September in the North. The mornings sharpen. So do the conversations.

There's a clarity that comes with the turn of season up here. The trails go gold, the air has an edge, and the thinking that felt scattered through the summer starts to come into focus.

It's when I get some of my best calls. People who've been sitting on a mortgage question all summer and finally feel ready to ask it.

If that's you, connect with us at 705-588-4747 or [email protected].

• • •

💡 You don't always need 20% down to buy a home.I hear it a lot: "We're saving up for 20%." And for some people, that mak...
08/13/2026

💡 You don't always need 20% down to buy a home.

I hear it a lot: "We're saving up for 20%." And for some people, that makes sense. But for a lot of buyers putting down 5% and getting into the market sooner can be the better move.

There's no one right answer. It depends on your savings, your goals, and your timeline. The key is understanding your options before you decide.

That's a conversation I believe is worth having.

📞 705-588-4747

📋 The myth: self-employed people can't get mortgages.The reality: the process just looks different.In Ontario, especiall...
08/11/2026

📋 The myth: self-employed people can't get mortgages.

The reality: the process just looks different.

In Ontario, especially northern Ontario, a lot of people work for themselves; contractors, small business owners, seasonal operators. The income is real. The challenge is proving it in a way lenders understand.

📬 That renewal letter from your bank? You don't have to sign it.When your mortgage comes up for renewal, your bank sends...
07/24/2026

📬 That renewal letter from your bank? You don't have to sign it.

When your mortgage comes up for renewal, your bank sends a letter with a rate and a deadline. Most people sign it and send it back. But renewal is actually your chance to shop the entire market. Every lender, every product and without penalty.

The rate on that letter might be fine. But fine isn't the same as right. A mortgage that fit five years ago might not fit the life you're living now. Kids, a new job, any lifestyle changes.

That's what renewal is really for. Not just a new rate. A new look at the whole picture.

📞 705-588-4747

🏠 The First Home Savings Account is one of the best tools available for first-time buyers right now.You can contribute u...
07/23/2026

🏠 The First Home Savings Account is one of the best tools available for first-time buyers right now.

You can contribute up to $8,000 a year, get a tax deduction on what you put in, and withdraw it tax-free when you buy your first home. It combines the best parts of an RRSP and a TFSA into one account built specifically for buying a house.

If you're thinking about buying in the next few years, opening one now — even with a small amount — starts the clock and builds your down payment with a tax advantage.

It's worth having a conversation with your accountant and your broker.

📞 705-588-4747

The Bank of Canada held at 2.25% today. Sixth consecutive hold. Prime stays at 4.45%.Here is what that meansVariable rat...
07/16/2026

The Bank of Canada held at 2.25% today. Sixth consecutive hold. Prime stays at 4.45%.

Here is what that means

Variable rate? Nothing changed. Six holds is a signal worth discussing.

Renewing? Good window. I compare against dozens of lenders.

Buying? Qualifying rate unchanged. Budget is steady.

Next announcement: September 2.

Happy Canada Day from the Good Fit Mortgages Team!The lake, the cottage, the backyard. Wherever you're spending it, enjo...
07/01/2026

Happy Canada Day from the Good Fit Mortgages Team!

The lake, the cottage, the backyard. Wherever you're spending it, enjoy the day with the people who matter.

Have a safe and happy one.

📋 Sudbury's summer market has its own rhythm.Pricing here doesn't follow Toronto headlines. Inventory moves at a pace th...
06/30/2026

📋 Sudbury's summer market has its own rhythm.

Pricing here doesn't follow Toronto headlines. Inventory moves at a pace that still gives buyers room to think. And the affordability gap between Northern Ontario and the south continues to attract families looking for more house, more land, and a different pace of life.

If you're thinking about buying this summer, a good fit mortgage starts with understanding the local market. What's realistic, what to watch for, and how to structure your financing around how life actually works up here.

Let's have that conversation.

705-588-4747 | goodfitmortgages.ca

Address

2141 Lasalle Boulevard Unit B
Greater Sudbury, ON
P3A2A3

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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