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Kingston Mortgage Solutions/Mortgage Alliance

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Canada
Kingston, ON
Kingston Mortgage Solutions/Mortgage Alliance

Locally owned Mortgage Brokerage providing custom mortgage solutions tailored to you! FSRA Lic #12248 Check out our website to meet the team and to find out more!

Kingston Mortgage Solutions is a locally owned Franchise of Mortgage Alliance. Kingston Mortgage Solutions is your local, experienced and trusted group of Mortgage Brokers and Agents. Our agents will assist you in securing the right mortgage for you. Whether you are purchasing a home, cottage or rental or are renewing or refinancing your mortgage, we are here to help!

06/15/2026

⭐ Client Spotlight ⭐

Helping clients navigate one of the biggest financial decisions of their lives is something we never take for granted.

Thank you, Madeline, for your kind words and for trusting Brooke to guide you through your first home purchase. Buying a home can come with plenty of questions and unknowns, and we're so glad Brooke was able to provide the support, communication, and confidence you needed along the way.

Congratulations on your new home, and thank you for allowing us to be part of your journey! 🏡

📞 Brooke Scouten - Mortgage Agent | 613-539-8376 | 📧 [email protected] | FSRA #12248

06/14/2026

🏡 One of the toughest situations for buyers is finding the perfect home and then discovering it doesn't fit their budget or financing plans.

A pre-approval helps you understand your options, establish a comfortable price range, and shop with confidence when the right home comes along.

Whether you're planning to buy in the next few months or just starting to think about homeownership, having a conversation early can make the process much smoother.

📞 Lindsay MacDonald Kingston Mortgage Solutions 613-453-4231 | 📧 [email protected] | FSRA #12248

06/13/2026

One of the most common questions we hear is:

"Can I get a mortgage after a bankruptcy or consumer proposal?"

The answer is often yes.

A bankruptcy or consumer proposal doesn't automatically prevent homeownership in the future. The key is rebuilding credit, establishing a positive repayment history, and understanding which mortgage options may be available based on your situation.

Many lenders have programs for clients who have completed a consumer proposal or bankruptcy and have taken steps to rebuild their credit. In some cases, homeowners with sufficient equity may even be able to refinance and pay out a consumer proposal through alternative lending solutions.

Every situation is different, which is why having a plan is so important.

If you're wondering what your options might look like now or in the future, we're always happy to have a conversation.

📞 Let's Talk Mortgages with Richelle Morgan 613-305-3715 | 📧 [email protected] | FSRA #12248

06/12/2026

Fixed or Variable? Here's what we're watching right now.

The Bank of Canada has now held rates steady for five consecutive meetings, and many economists expect rates to remain unchanged for the balance of 2026.

At the same time, fixed mortgage rates have been reacting to bond market movements, creating a situation where fixed and variable options are telling two very different stories.

So what are we recommending? We're recommending the mortgage strategy that fits your goals, budget, and comfort level with risk.

For some homeowners, the certainty of a fixed payment is worth paying a little more today.

For others, a variable rate may still make sense if their budget can comfortably handle future changes.

The most important question isn't what economists think will happen next.

It's whether your mortgage will still feel comfortable if they happen to be wrong.

Questions about your options? Cassidy MacDonald - Kingston Mortgage Solutions would be happy to help.

📞 613-507-5626 x 267 | 📧 [email protected] | FSRA #12248

06/11/2026

We're excited to welcome Victoria Lessard to the Kingston Mortgage Solutions team! 💜

Victoria joins us as a Mortgage Agent Level 1 and Licensed Assistant to Brooke Scouten - Mortgage Agent and Lisa Donaldson-Parks - Mortgage Agent.

With more than 20 years of experience in client service, marketing, relationship management, and community engagement, Victoria brings a wealth of knowledge and a genuine passion for helping people. Her strong communication skills, attention to detail, and commitment to exceptional client care make her a wonderful addition to our team.

In her role, Victoria will be supporting clients and assisting Brooke and Lisa with marketing initiatives, community events, and the many behind-the-scenes details that help create a smooth mortgage experience.

Please join us in giving Victoria a warm welcome!

📞 613-876-9368 | 📧 [email protected] | FSRA #12248

06/10/2026

🚨 Bank of Canada Rate Announcement 🚨

As widely expected, the Bank of Canada has once again held its key overnight rate at 2.25%, marking the fifth consecutive rate hold.

So what does this mean for homeowners and homebuyers?

🏡 Variable-Rate Mortgages & HELOCs
If you have a variable-rate mortgage or line of credit, there is no change to your rate today.

🏡 Mortgage Renewals
This continued period of rate stability gives many homeowners an opportunity to review their options and plan ahead before renewal.

🏡 Homebuyers
A stable rate environment can provide more certainty when budgeting and planning your next move.

🏡 The Housing Market
The Bank noted that housing activity has slowed while housing-related inflation continues to moderate. For buyers and sellers, today's announcement brings continued stability rather than surprise.

🏡 Fixed Rates
Fixed mortgage rates are influenced more by bond markets than by the Bank of Canada. While today's announcement doesn't directly impact fixed rates, economic conditions and inflation expectations will continue to play an important role.

The Bank continues to balance inflation concerns with slower economic growth and has indicated it remains prepared to respond if conditions change.

The bigger question isn't what the Bank did today—it's whether your current mortgage strategy still makes sense for your goals.

Whether you're renewing, refinancing, purchasing, or simply reviewing your options, we're happy to help.

📞 613-507-5626 | 📧 [email protected] | FSRA #12248

06/09/2026

📚 Team Tuesday at KMS!

Today our team spent time learning about new features within the BOSS platform that help us work more efficiently behind the scenes.

While our clients may never see the technology we use every day, they do benefit from it. Better systems help us stay organized, communicate more effectively, protect sensitive information, and spend more time focused on what matters most—helping our clients achieve their goals.

We're proud to be part of a network that continues to invest in technology, education, and bank-level security to help provide the best possible mortgage experience.

A big thank you to Mortgage Alliance and M3 Tech for supporting brokers with tools that help us serve our clients even better.

👏 Continuous learning. Better systems. Better service.

📞 613-507-5626 | 📧 [email protected] | FSRA #12248

06/08/2026

🏡 Real Questions. Real Answers.

One of the most common questions we hear from parents is:

"How can I help my adult child buy a home?"

Many people assume their only options are to gift money or co-sign the mortgage. While those can be great solutions, they aren't the only possibilities.

Depending on the lender and your family's circumstances, there may be other ways to help—including options that allow parents to support the mortgage without becoming an owner of the property.

The key is understanding all of your options before making a decision.

Every family situation is unique, and the right strategy depends on your goals, finances, and long-term plans.

Anita Dinda Kingston Mortgage Solutions is on duty today and would be happy to answer your questions and help you explore the possibilities.

📞 613-876-8711 | 📧 [email protected] | FSRA #12248

06/07/2026

💬 Ask A Broker

After more than 30 years in the mortgage industry, one thing I've learned is that the best mortgage conversations rarely happen when there's an urgent deadline.

The most successful plans often start months—or even years—before a purchase, renewal, refinance, retirement, or major life change.

A quick conversation today can help you understand your options, avoid surprises, and make more informed decisions when the time comes.

Whether you're planning a move, approaching renewal, thinking about retirement, or simply wondering what your options might be, having a plan is always a good place to start.

If a mortgage or homeownership question has been on your mind, don't wait until it becomes urgent. Our team is always happy to help you explore your options.

📞 613-507-5626 | 📧 [email protected] | FSRA #12248

06/06/2026

🏡 Real Questions. Real Answers.

Can I retire if I still have a mortgage?

It's one of the most common questions we hear from homeowners approaching retirement—and the answer may surprise you.

Many Canadians retire while still carrying a mortgage. The key isn't necessarily paying it off before retirement. It's having a strategy that works with your income, lifestyle, and long-term goals.

Depending on your situation, options may include improving cash flow, using home equity strategically, downsizing, or exploring solutions such as a reverse mortgage.

Every homeowner's situation is unique, which is why planning ahead is so important.

Ric Nicholls, Broker, is on duty today and would be happy to answer your questions and help you explore your options.

📞 613-329-2061 | 📧 [email protected] | FSRA #12248

Address

200-654 Norris Court
Kingston, ON
K7P2R9

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 4pm

Telephone

+16135075626

Website

http://www.kingstonmortgagesolutions.com/

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