Brooke Scouten - Mortgage Agent

06/10/2026

No surprises from the Bank of Canada today. 𝐓𝐡𝐞 𝐨𝐯𝐞𝐫𝐧𝐢𝐠𝐡𝐭 𝐫𝐚𝐭𝐞 𝐫𝐞𝐦𝐚𝐢𝐧𝐬 𝐚𝐭 𝟐.𝟐𝟓%, 𝐰𝐡𝐢𝐜𝐡 𝐦𝐞𝐚𝐧𝐬 𝐭𝐡𝐞 𝐩𝐫𝐢𝐦𝐞 𝐥𝐞𝐧𝐝𝐢𝐧𝐠 𝐫𝐚𝐭𝐞 𝐢𝐬 𝐞𝐱𝐩𝐞𝐜𝐭𝐞𝐝 𝐭𝐨 𝐬𝐭𝐚𝐲 𝐚𝐭 𝟒.𝟒𝟓%.

For borrowers, that's one more announcement bringing some stability to the mortgage market. Whether you're buying, renewing, refinancing, or simply planning ahead, understanding how rate decisions affect your options is more important than ever.

Reach out anytime if you'd like to discuss your mortgage strategy. 🏠📊

𝐁𝐫𝐨𝐨𝐤𝐞 𝐒𝐜𝐨𝐮𝐭𝐞𝐧
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝐌𝟐𝟏𝟎𝟎𝟏𝟕𝟖𝟒
𝐊𝐢𝐧𝐠𝐬𝐭𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝟏𝟐𝟐𝟒𝟖
𝟔𝟏𝟑-𝟓𝟑𝟗-𝟖𝟑𝟕𝟔
𝐛𝐫𝐨𝐨𝐤𝐞@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

06/09/2026

⛳ 𝐏𝐫𝐞𝐬𝐞𝐧𝐭𝐢𝐧𝐠 𝐒𝐩𝐨𝐧𝐬𝐨𝐫 𝐀𝐧𝐧𝐨𝐮𝐧𝐜𝐞𝐦𝐞𝐧𝐭 ⛳

I am thrilled to announce that bvk solutions has signed on as our 𝐏𝐫𝐞𝐬𝐞𝐧𝐭𝐢𝐧𝐠 𝐒𝐩𝐨𝐧𝐬𝐨𝐫 of the 𝐃𝐫𝐢𝐯𝐢𝐧𝐠 𝐎𝐮𝐭 𝐇𝐮𝐧𝐠𝐞𝐫 𝐆𝐨𝐥𝐟 𝐓𝐨𝐮𝐫𝐧𝐚𝐦𝐞𝐧𝐭 in support of the Kingston Food Bank- Partners in Mission!

𝐛𝐯𝐤 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 helps businesses grow through strategic marketing, graphic design, website development, and operational support. Their philosophy is simple: 𝒅𝒐 𝒘𝒉𝒂𝒕 𝒚𝒐𝒖 𝒍𝒐𝒗𝒆, 𝒍𝒆𝒕 𝒕𝒉𝒆𝒎 𝒅𝒐 𝒕𝒉𝒆 𝒓𝒆𝒔𝒕.

Community support is at the heart of this event, and we're grateful to have bvk Solutions helping us work toward our goal of raising much needed funds for our local food bank. Their generosity and commitment will help make a meaningful impact on individuals and families facing food insecurity right here in our community.

Visit them at 𝐰𝐰𝐰.𝐛𝐯𝐤𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦 to learn more.

We are still looking for golfers and sponsors to join us on August 21 at Loyalist Golf & Country Club in Bath. If you're interested in participating or learning more about sponsorship opportunities, please email 𝐝𝐫𝐢𝐯𝐢𝐧𝐠𝐨𝐮𝐭𝐡𝐮𝐧𝐠𝐞𝐫@𝐠𝐦𝐚𝐢𝐥.𝐜𝐨𝐦 for details.

05/28/2026

Some people assume they need a massive down payment, perfect credit, or years more savings before buying a home.

The reality? A lot of buyers are much closer than they think.

Sometimes all it takes is understanding your options, adjusting a few numbers, or having the right strategy in place.

If homeownership has been sitting in the “maybe someday” category, it might be worth having the conversation sooner than later. 🏡

𝐁𝐫𝐨𝐨𝐤𝐞 𝐒𝐜𝐨𝐮𝐭𝐞𝐧
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝐌𝟐𝟏𝟎𝟎𝟏𝟕𝟖𝟒
𝐊𝐢𝐧𝐠𝐬𝐭𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝟏𝟐𝟐𝟒𝟖
𝟔𝟏𝟑-𝟓𝟑𝟗-𝟖𝟑𝟕𝟔
𝐛𝐫𝐨𝐨𝐤𝐞@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

05/25/2026

Buying a home is exciting. Falling in love with a space is the easy part. Making sure it fits your long-term financial goals is where strategy matters. 🏡

The right mortgage is about more than just getting approved. It’s about creating a plan that works for your life today and still makes sense years from now.

If you’re thinking about buying this year, let’s run the numbers and make sure emotion and strategy are working together.

𝐁𝐫𝐨𝐨𝐤𝐞 𝐒𝐜𝐨𝐮𝐭𝐞𝐧
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝐌𝟐𝟏𝟎𝟎𝟏𝟕𝟖𝟒
𝐊𝐢𝐧𝐠𝐬𝐭𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝟏𝟐𝟐𝟒𝟖
𝟔𝟏𝟑-𝟓𝟑𝟗-𝟖𝟑𝟕𝟔
𝐛𝐫𝐨𝐨𝐤𝐞@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

05/10/2026

Home isn’t just where we live. It’s where life happens. ❤️

It’s bedtime stories, kitchen conversations, holiday dinners, messy moments, and memories that last forever.

Today we celebrate all the incredible moms, grandmothers, stepmoms, and mother figures who make houses feel warm, safe, and full of love every single day. 🌸

Wishing you a Mother’s Day filled with love, laughter, and time with the people who matter most.

Happy Mother’s Day! 💐

05/09/2026

A mortgage is one of the biggest financial decisions most people will ever make.

You deserve more than someone who just quotes a rate and sends paperwork.

You deserve honest conversations, thoughtful guidance, attention to detail, and someone who genuinely cares about helping you make the right decision for your life, not just the quickest one.

Whether you’re buying your first home, refinancing, renewing, or simply exploring your options, I believe you should feel informed, comfortable, and supported every step of the way. 💜

If you have questions, let’s talk through them together.

𝐁𝐫𝐨𝐨𝐤𝐞 𝐒𝐜𝐨𝐮𝐭𝐞𝐧
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝐌𝟐𝟏𝟎𝟎𝟏𝟕𝟖𝟒
𝐊𝐢𝐧𝐠𝐬𝐭𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝟏𝟐𝟐𝟒𝟖

𝟔𝟏𝟑-𝟓𝟑𝟗-𝟖𝟑𝟕𝟔
𝐛𝐫𝐨𝐨𝐤𝐞@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

05/07/2026

“I have a 3% interest rate… I’m not refinancing.”

I hear this all the time, and honestly, I get it. Nobody wants to give up a low rate.

But your mortgage rate is only one piece of the puzzle. Sometimes refinancing can actually put more money back into your pocket each month, even with a higher interest rate.

How? By consolidating higher-interest debt, lowering overall monthly obligations, improving cash flow, or creating financial breathing room that makes day-to-day life more manageable.

The goal isn’t always to get the lowest rate. The goal is to improve your overall financial situation and make your money work better for YOU.

Every situation is different, which is why I look at the full picture, not just the headline rate.

If you’ve been automatically ruling out refinancing because of your current rate, it might still be worth exploring your options. You may be surprised what the numbers actually show.

𝐁𝐫𝐨𝐨𝐤𝐞 𝐒𝐜𝐨𝐮𝐭𝐞𝐧
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝐌𝟐𝟏𝟎𝟎𝟏𝟕𝟖𝟒
𝐊𝐢𝐧𝐠𝐬𝐭𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝟏𝟐𝟐𝟒𝟖

𝟔𝟏𝟑-𝟓𝟑𝟗-𝟖𝟑𝟕𝟔
𝐛𝐫𝐨𝐨𝐤𝐞@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

05/04/2026

I’m honestly so honoured to be named a finalist for the Mortgage Awards of Excellence – Emerging Leader.

I’ve been lucky to build my business surrounded by amazing clients, referral partners, and a team that truly supports me, including everyone at Kingston Mortgage Solutions/Mortgage Alliance.

I don’t take any of that for granted. Thank you to everyone who’s trusted me to be part of such big moments in your lives, it means more than you know.

Excited for what’s ahead 💜

We are so proud to share that Brooke Scouten - Mortgage Agent has been named a finalist for the Mortgage Awards of Excellence – Emerging Leader! 🎉

In a short time with Kingston Mortgage Solutions, Brooke has made an incredible impact — building strong client relationships, growing her business, and setting a high standard for service and care.

From growing her team, to giving back in meaningful ways through community initiatives, Brooke truly represents what it means to lead early in your career.

This recognition is so well deserved, and we are proud to support her every step of the way.

Congratulations, Brooke! 👏

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

04/29/2026

𝐖𝐡𝐚𝐭’𝐬 𝐡𝐮𝐫𝐭𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐜𝐞𝐬 𝐨𝐟 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥? 🤔

It’s often not what people think…

Here are some common deal-breakers 👇

❌ High credit card balances
Even if you make payments on time, high utilization can hurt you

❌ Too much overall debt
Lenders look at your debt ratios, not just your income

❌ Inconsistent income
Especially for self-employed or commission-based earners

❌ Job changes
Stability matters more than you’d expect

❌ Missing or late payments
Even one can make a difference

❌ Not enough down payment
Or not sourced properly

❌ New loans or credit checks
Big purchases before closing can derail everything

❌ Errors on your credit report
Yep, it happens more than you think

The good news? Most of this is fixable 👍
You just need to know what to adjust.

💬 Let’s figure it out together

📞 𝐁𝐫𝐨𝐨𝐤𝐞 𝐒𝐜𝐨𝐮𝐭𝐞𝐧
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝐌𝟐𝟏𝟎𝟎𝟏𝟕𝟖𝟒
𝐊𝐢𝐧𝐠𝐬𝐭𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 | 𝐅𝐒𝐑𝐀 𝐋𝐈𝐂 # 𝟏𝟐𝟐𝟒𝟖

𝟔𝟏𝟑-𝟓𝟑𝟗-𝟖𝟑𝟕𝟔
𝐛𝐫𝐨𝐨𝐤𝐞@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

04/27/2026

Most people think there’s only one way to come up with a down payment…

There isn’t 👇

You’ve got options like:

✔️ RRSP (Home Buyers’ Plan)
✔️ First Home Savings Account (FHSA)
✔️ Personal savings or TFSA
✔️ Gifted funds from family

And here’s the part most people miss…

👉 You can often combine these strategies

That’s where things get interesting, and where a proper plan can make a huge difference in what you can afford.

The right approach depends on your situation, your timeline, and your long-term goals.

Call or email me today and let’s map out what actually works for you.

𝐁𝐫𝐨𝐨𝐤𝐞 𝐒𝐜𝐨𝐮𝐭𝐞𝐧
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐
𝐊𝐢𝐧𝐠𝐬𝐭𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 - 𝐅𝐒𝐑𝐀 #𝟏𝟐𝟐𝟒𝟖

📲𝟔𝟏𝟑-𝟓𝟑𝟗-𝟖𝟑𝟕𝟔
📧 𝐛𝐫𝐨𝐨𝐤𝐞@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦