Lisa Donaldson-Parks - Mortgage Agent

09/02/2026

🏦✨ 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐂𝐚𝐧𝐚𝐝𝐚 𝐔𝐩𝐝𝐚𝐭𝐞: 𝐍𝐨 𝐂𝐡𝐚𝐧𝐠𝐞 𝐓𝐡𝐢𝐬 𝐓𝐢𝐦𝐞!

The Bank of Canada has announced that it is holding its overnight rate steady at 𝟐.𝟐𝟓%.

So, what does that mean for you? For now, there’s no new Bank of Canada rate change to factor into your mortgage plans. 😊

Of course, mortgage rates are influenced by more than just the Bank of Canada’s overnight rate, so if you’re buying, renewing or refinancing, it’s still worth taking a look at what’s available and making sure your mortgage is working for you. 🏡💜

𝐇𝐚𝐯𝐞 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬 𝐚𝐛𝐨𝐮𝐭 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐨𝐫 𝐰𝐨𝐧𝐝𝐞𝐫𝐢𝐧𝐠 𝐰𝐡𝐚𝐭 𝐭𝐨𝐝𝐚𝐲’𝐬 𝐫𝐚𝐭𝐞𝐬 𝐥𝐨𝐨𝐤 𝐥𝐢𝐤𝐞? 𝐆𝐢𝐯𝐞 𝐦𝐞 𝐚 𝐜𝐚𝐥𝐥! 𝐈’𝐦 𝐚𝐥𝐰𝐚𝐲𝐬 𝐡𝐚𝐩𝐩𝐲 𝐭𝐨 𝐜𝐡𝐚𝐭.

📞 𝟔𝟏𝟑-𝟐𝟎𝟔-𝟓𝟒𝟕𝟐
📧 𝐥𝐩𝐚𝐫𝐤𝐬@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

Lisa Donaldson-Parks
Mortgage Agent Level 2 | FSRA Lic # M24002868
Kingston Mortgage Solutions | Lic # 12248

08/15/2026

🏡 𝐂𝐨𝐮𝐥𝐝 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐛𝐞 𝐝𝐨𝐢𝐧𝐠 𝐦𝐨𝐫𝐞 𝐟𝐨𝐫 𝐲𝐨𝐮?

For many homeowners, refinancing isn’t simply about getting a different interest rate. It can be about making the equity you’ve already built work toward what you need now.

You might explore refinancing to:

💳 Consolidate higher-interest debts into one payment
🔨 Tackle renovations or accessibility upgrades
💰 Restructure your mortgage to potentially reduce monthly payments
🎓 Help fund education, a business opportunity or another major expense
🌲 Use available equity toward the purchase of a cottage or second property

But here’s the important part: just because you can refinance doesn’t automatically mean you should.

There are costs, qualifications and long-term implications to consider. That’s where doing the math matters.

If you’re a homeowner in Smiths Falls or the surrounding area and you’re wondering whether refinancing makes sense for your situation, let’s take a look at the numbers together. 📊

𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐
𝐊𝐢𝐧𝐠𝐬𝐭𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 - 𝐅𝐒𝐑𝐀 #𝟏𝟐𝟐𝟒𝟖

☎️ 𝟔𝟏𝟑-𝟐𝟎𝟔-𝟓𝟒𝟕𝟐
📧 𝐥𝐩𝐚𝐫𝐤𝐬@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

07/27/2026

One of the most common things I hear is that people want to wait until they've found the perfect home, saved every dollar for their down payment, or have all the answers before reaching out.

The truth is, that's exactly what I'm here for.

Whether you're just starting to think about buying a home or you're ready to begin your search, I'm happy to answer your questions, explain your options, and help you create a plan that fits your goals and timeline.
You don't have to have everything figured out before we talk.

Sometimes, the smartest first step is simply starting the conversation.

💭 Mortgage Myth

"I need to have everything figured out before I talk to a mortgage broker."

Myth.

One of the biggest misconceptions we hear is that you need to have everything in place before reaching out.

The truth? You don't.

You don't need to have the perfect home picked out, every dollar of your down payment saved, or all the answers before starting the conversation.

Meeting with a mortgage broker early gives you the opportunity to ask questions, explore your options, and build a plan that works for your goals and timeline.

Sometimes, the best first step is simply starting the conversation. Lisa Donaldson-Parks - Mortgage Agent

📞 Lisa Donaldson-Parks 613-206-5472
📧 [email protected]
FSRA #12248

07/15/2026

📈 𝐍𝐨 𝐂𝐡𝐚𝐧𝐠𝐞 𝐭𝐨 𝐭𝐡𝐞 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐂𝐚𝐧𝐚𝐝𝐚 𝐑𝐚𝐭𝐞. 𝐇𝐞𝐫𝐞'𝐬 𝐖𝐡𝐚𝐭 𝐓𝐡𝐚𝐭 𝐌𝐞𝐚𝐧𝐬.

The Bank of Canada has announced no change to its benchmark interest rate, leaving the overnight rate at 𝟐.𝟐𝟓%.

As a result, the Prime Rate remains at 𝟒.𝟒𝟓%, meaning most borrowers with prime-based variable-rate mortgages or lines of credit won't see a change to their interest costs.

Even when rates stay the same, it's worth checking in on your mortgage strategy.

Whether your renewal is around the corner, you're planning to purchase a home, or you're simply curious about your options, having a plan can make all the difference.

If you're wondering how today's announcement affects your situation, I'd be happy to answer your questions and help you navigate your next steps.

📞 𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐
𝐊𝐢𝐧𝐠𝐬𝐭𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬
𝟔𝟏𝟑-𝟐𝟎𝟔-𝟓𝟒𝟕𝟐
📧 𝐥𝐩𝐚𝐫𝐤𝐬@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

07/07/2026

🏡 𝐀 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐢𝐬 𝐚𝐛𝐨𝐮𝐭 𝐬𝐨 𝐦𝐮𝐜𝐡 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐠𝐞𝐭𝐭𝐢𝐧𝐠 𝐭𝐡𝐞 𝐥𝐨𝐰𝐞𝐬𝐭 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞.

The right mortgage should fit your life today... and still work for you years from now.

Before you sign on the dotted line, take a minute to swipe through these simple tips that could save you money, reduce stress, and help you make a more confident decision.

👉Click through to learn:

✔️ Why the lowest rate isn't always the best deal
✔️ How your mortgage should grow with your life
✔️ The power of making even small extra payments
✔️ Ways to use your home equity strategically
✔️ Why reviewing your mortgage regularly matters

Whether you're buying your first home, moving, refinancing, or simply wondering if your current mortgage is still the right fit, having the right advice can make all the difference.

I'm here to answer your questions, explain your options, and help you find a mortgage that works for you.

Let's chat whenever you're ready.

📞 𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬, 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐
☎️ 𝟔𝟏𝟑-𝟐𝟎𝟔-𝟓𝟒𝟕𝟐
📧 𝐥𝐩𝐚𝐫𝐤𝐬@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

07/04/2026

⏳ 𝐒𝐭𝐢𝐥𝐥 𝐰𝐚𝐢𝐭𝐢𝐧𝐠 𝐟𝐨𝐫 𝐭𝐡𝐞 "𝐩𝐞𝐫𝐟𝐞𝐜𝐭" 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐛𝐮𝐲?

You're not alone. It's one of the most common things I hear.

The reality is, there probably isn't a "perfect" time. Markets change, interest rates move, and home prices fluctuate. Waiting can sometimes save you money... but it can also end up costing more than you expected.

The best time to buy isn't when the headlines say so. It's when you're financially ready and the numbers make sense for your situation. 🏡💜

Before you decide to keep waiting, let's have a conversation. I'll help you understand your options so you can make an informed decision with confidence, whether that's buying now or waiting a little longer.

📞 𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬, 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐
☎️ 𝟔𝟏𝟑-𝟐𝟎𝟔-𝟓𝟒𝟕𝟐
📧 𝐥𝐩𝐚𝐫𝐤𝐬@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

I'd love to help you figure out what the right timing looks like for you. 💬

07/03/2026

🏡 𝐇𝐨𝐦𝐞 𝐢𝐬𝐧'𝐭 𝐣𝐮𝐬𝐭 𝐚 𝐩𝐥𝐚𝐜𝐞. 𝐈𝐭'𝐬 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮𝐫 𝐥𝐢𝐟𝐞 𝐡𝐚𝐩𝐩𝐞𝐧𝐬. 💜

Some of the best moments in life aren't the big milestones. They're the quiet ones.

☕ Morning coffee in your favourite chair.
📚 Curling up with a good book.
🐾 A furry friend keeping you company.
🍿 Movie nights with the people you love.
✨ Watching another beautiful sunset from a place that feels like yours.

A home isn't defined by its size or its price tag. It's the place where memories are made, traditions begin, and everyday moments become the ones you'll remember most.

If homeownership is one of your goals, I'd love to help you get there. Whether you're buying your first home, moving up, or looking for a fresh start, I'm here to guide you every step of the way.

📞 𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬, 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐
☎️ 𝟔𝟏𝟑-𝟐𝟎𝟔-𝟓𝟒𝟕𝟐
📧 𝐥𝐩𝐚𝐫𝐤𝐬@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

Let's find the place where your next chapter begins. 🏠💜

07/02/2026

🏡 𝐁𝐢𝐠𝐠𝐞𝐫 𝐢𝐬𝐧'𝐭 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐭𝐭𝐞𝐫.

When people start house hunting, it's easy to get caught up in square footage, grand entrances, and "dream home" checklists. But the best home isn't always the biggest one.

Sometimes the right home means:

✨ Lower monthly payments
💰 More money for vacations, hobbies, or family adventures
🛠️ Less time spent on maintenance
💜 More peace of mind

Your home should fit your lifestyle, your goals, and your budget, not someone else's expectations.

Whether you're buying your first home, upsizing, downsizing, or simply exploring your options, I'm here to help you make a decision that feels right for you.

📞 𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬, 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐
☎️ 𝟔𝟏𝟑-𝟐𝟎𝟔-𝟓𝟒𝟕𝟐
📧 𝐥𝐩𝐚𝐫𝐤𝐬@𝐤𝐢𝐧𝐠𝐬𝐭𝐨𝐧𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐜𝐨𝐦

I'd love to help you take the next step toward finding the home that fits your life. 🏠💜

07/01/2026

🇨🇦❤️ 𝐇𝐚𝐩𝐩𝐲 𝐂𝐚𝐧𝐚𝐝𝐚 𝐃𝐚𝐲! ❤️🇨🇦

There's something special about a Canadian summer. ☀️ Whether you're at the lake, firing up the BBQ, watching fireworks, or just enjoying time with the people you love, I hope today is filled with laughter, great food, and unforgettable memories.

I'm grateful to call this incredible country home and even more grateful to work with so many amazing people throughout our community. Thank you for trusting me to be part of your homeownership journey. 🏡

Have a safe, fun, and happy Canada Day! 🍁

Thinking about buying your first home, your next home, a cottage, or simply exploring your mortgage options? I'd love to help.

📞 613-206-5472
📧 [email protected]

🍁🏡

06/24/2026

🏡✨ Cottage life looks pretty amazing in the photos... and honestly, a lot of the time it is.

Morning coffee on the dock, sunset views, family weekends, and a chance to unplug from the everyday hustle. ☕

But owning a cottage is about more than the dream. It's also important to consider the realities that come with it:

🔨 Ongoing maintenance
🛡️ Insurance costs
⚡ Utilities and seasonal services
🚗 Access during different times of the year
💰 Financing and budgeting

The good news? With the right planning, cottage ownership can absolutely be within reach.

Whether you're dreaming of a waterfront getaway, a family retreat, or a place to make memories for years to come, understanding the full picture is the first step. 🏖️❤️

Thinking about buying a cottage in Ontario? Let's talk about your options and create a plan that fits both your lifestyle and your budget.🏡🌲☀️

📞 613-206-5472
📧 [email protected]