Smart Debt Mortgages - Joel Lamarche

08/26/2026

We're Growing! +2 New Lenders Added! Our lender lineup has expanded to 21 lenders for our Northern Ontario Region!

More lenders for the North = more opportunities we can create. Excited to welcome these two BIG names :

WealthONE Bank of Canada & ICICI Bank Canada

Huge thank you to Smart Debt Mortgages for making this expansion possible!

Smart Debt Mortgages - Joel Lamarche

06/26/2026

Bbq has been pickup this morning. Happy winner. Congrats again Andrew Todd.
Cheers,

06/16/2026

06/16/2026

WE HAVE A WINNER!
I am absolutely thrilled to announce that the winner of the Traeger Pro 575 is...
Andrew Todd Andrew Todd !
When I first started out as a mortgage broker back in 2024, Andrew and Kayla was the 4th mortgage I ever closed. He and Kayla trusted me right off the bat when I was starting. I couldn't be happier to see a great prize go to him. Thank you Andrew & Kayla—enjoy the new grill! 🍔🥩
Thank you so much to everyone who entered this draw. Keep an eye on this page for future updates, market insights, and other giveaways soon to come!

Andrew Todd Kayla Todd Joel Lamarche Smart Debt Mortgages

06/04/2026

2026 is a BIG year. If your mortgage is coming up for renewal in the next 3-4 months, now is the time to start the conversation.

Mortgage renewal isn’t just a routine administrative event, it’s one of the most important financial reassessments you’ll make in years (typically every 3–5). The anxiety is real, rates have changed, the options are complex, and the need for clear expert advice has never been greater. That’s exactly where we’ve worked hard to set ourselves apart.

Our firm is built on providing well-founded advice, not just taking orders. We focus on building relationships and delivering clear strategies that put you ahead.

Yes, we’ve streamlined our processes and embraced technology to improve efficiency, but our priority remains the same: getting to know you and tailoring advice around what matters most to you.

05/11/2026

Congratulations to Kevin Robichaud on a well-deserved retirment!!

Kevin is truly one of the best in the industry. He mastered the complexities of Home, Auto, and Commercial insurance, and understood the importanc of supporting our Northern community at every chance. Taught me everything I know about the P&C industry and the value of giving back without needing thanks. Picture from 2018; i think we've aged well haha :)

Kevin, you truly are one of the GREATS of the North!

Cheers to a legendary career. Enjoy every minute of your next chapter!


Kevin Robichaud Joel Lamarche

05/08/2026

WIN A TRAEGER PRO | Come say hello, ask questions and grab a water at the Kap Sports and Trade Show. Joel Lamarche

04/30/2026

M3 R&R - Thankyou to all clients for the overwhelming continued support to making this happen for me a second year in a row! I was honored to spent a week with 93 top Canadian Brokers. Got behind the scene industry knowledge & deepened my relationships with Lenders. Financing the NORTH just keeps getting better! BIG THANKYOU!

Debbie Belair Joel Lamarche Meli J Cote

04/10/2026

This is exactly why I love what I do.
Recently had the pleasure of working with a family who moved in town last June. Sometimes, you meet clients who are such genuinely kind, good souls that you find yourself pushing just a little bit harder to make sure everything works out for them. Securing financing and seeing them get into their new home, knowing their family is settled and happy, makes every hour worth it.
They surprised me with a gift and thank-you card - remind me that it’s not just about numbers and rates; it’s about helping to make it happen!
Karelle et Patrice - Thank you for trusting me with your journey, and a huge WELCOME to the neighbourhood! Cheers to you!
Joel Lamarche

03/26/2026

2026 is special for Mortgages (5yr post COVID rush). 60% of mortgages are up for renewal this year. Yours might be closer than you think—and what you do before your mortgage renews can make a big difference $$$.

Very few homeowners sign their lender’s renewal offer, but if you are the type to do so & overlook your biggest loan’s renewal without exploring options… that can cost you more than you think.

Here’s why it’s worth reaching out before your renewal:
1. Access to multiple lenders – (I have 19 for the north)
2. Ensure you get a low % rates - your renewal might not be the best available
3. Debt consolidation options – explore if this works in your favor and/or improve cash flow
4. Flexible terms – align your mortgage with your current life and goals
5. Solid advice – know your options well before you need to decide

I am dedicated to serving Northern Ontario. My goal is to make sure you’re getting the best possible to ameliorate your finances.

Your mortgage renewal is your opportunity to look at your options - take full advantage of it.

Tty soon,

Fill in your info on my website www.705mtg.com or call me 705 332 0166

ps first time doing a AI cartoon, was fun :P