Catherine Fogarty - Mortgage Broker

02/12/2026

"Cat, you never divorce the same person you married."If you are navigating a separation in Canada, those words probably hit home. Divorce is an emotional rol...

10/27/2025

09/23/2025

Even though my branding has changed…my level of commitment stays the same. Thank you!🙏🏻 20 Years and Still Going 💪🏻.
(This is what I could find…I never keep these things)

06/01/2025

Another 5 Stars! What a week it has been. Thank You! 🙏

05/22/2025

There…I’ve Said it.

04/03/2025

Before making any decisions about refinancing or breaking your mortgage early, it’s worth getting a penalty estimate, which I can help you with. Some lenders post online calculators, but they don’t always tell the full story – especially since penalty calculations can vary widely from lender to lender, so it’s important to get an expert to walk you through it.

If you’re wondering whether it makes sense to break your mortgage early and take advantage of lower rates, I can help you crunch the numbers.

Let’s chat before you make a move – it could save you hundreds or thousands of dollars in interest and could reduce your monthly cost!

03/12/2025

Bank of Canada Policy Rate Decrease What does it mean?

*Prime rate for the majority of banks in Canada.

For illustrative purposes only. Based on monthly payments with a 25 year amortization period with semi-annual compounding. Not all loans and mortgages will see reductions in mortgage payments, some will see a reduction in the amount allocated to interest.

Previous Bank Prime Rate 5.20%*

New Rate 4.95%

Decrease of $14.28 per $100,000 in mortgage in Monthly Payment.

Banks lowering their prime rates will have an immediate effect on borrowers with variable-rate mortgages, just as they’ve felt the brunt of rising rates.
Those with a fixed-rate mortgage will not see their payments change until it comes time to renew their loans.
Fixed-mortgage rates are determined by what happens to the bond market, which, while also affected by Bank of Canada rate decisions, is based on overall investor confidence.
Perspective is Everything!

02/17/2025

Sorry the office is closed today for Family Day. See you tomorrow!