Lisa Donaldson-Parks - Mortgage Agent

10/28/2026

🏡 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞. 𝐘𝐨𝐮𝐫 𝐆𝐨𝐚𝐥𝐬. 𝐘𝐨𝐮𝐫 𝐍𝐞𝐱𝐭 𝐂𝐡𝐚𝐩𝐭𝐞𝐫. 💜

Whether you're buying your very first home, moving on to something new, renewing your mortgage, or exploring refinancing options, I'm here to help make the process a little easier!

One thing I always remind my clients is that you don't have to be ready to make a move to start asking questions! 💬

Understanding your options today can help you make more confident financial decisions tomorrow.

As your local Mortgage Agent, I'm here to help you navigate the numbers, explore your options, and find a mortgage solution that works for YOU.

✨ No pressure.
✨ No confusing mortgage jargon.
✨ Just friendly, straightforward guidance every step of the way!

Have questions? Let's chat! I'd love to help.

𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐

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

10/28/2026

📈 𝐁𝐀𝐍𝐊 𝐎𝐅 𝐂𝐀𝐍𝐀𝐃𝐀 𝐑𝐀𝐓𝐄 𝐔𝐏𝐃𝐀𝐓𝐄

The Bank of Canada has increased its policy rate by 0.25%, bringing it to 2.50%.

That means we’re expecting major lenders to move their prime rate from 4.45% to 4.70%.

🏡 What does that mean for homeowners?

If your mortgage, HELOC or line of credit has a variable rate tied to prime, your interest rate will likely increase as lenders adjust their prime rates.

If you currently have a fixed-rate mortgage, nothing changes with your existing rate just because of today’s announcement.

If you’re coming up for renewal, thinking about buying or wondering whether fixed or variable still makes sense for you, this is a great time to review your options rather than trying to guess where rates are headed next.

Have questions about how this affects YOUR mortgage? I’m always happy to help make the numbers a little easier to understand. 😊

𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐

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

10/23/2026

🎉 Celebrating 2 years with KMS! 💜

Today we're celebrating Lisa Donaldson-Parks - Mortgage Agent and her 2-year anniversary with Kingston Mortgage Solutions!

Lisa has been a wonderful part of our team over the past two years, and we're so happy to have her with us.

Here's to the relationships built, the clients helped, and many more milestones ahead!

Happy 2nd anniversary, Lisa! 🥂💜

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

10/21/2026

🏡 𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐛𝐮𝐲𝐢𝐧𝐠, 𝐫𝐞𝐧𝐞𝐰𝐢𝐧𝐠, 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠, 𝐨𝐫 𝐣𝐮𝐬𝐭 𝐰𝐨𝐧𝐝𝐞𝐫𝐢𝐧𝐠 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 𝐥𝐨𝐨𝐤 𝐥𝐢𝐤𝐞?

I’m Lisa Donaldson-Parks, a local Mortgage Agent, and I help clients make sense of the numbers, compare their options, and find a mortgage that fits their actual goals, not just the lowest advertised rate.

Whether you’re:

🔑 Buying your first home
🏠 Moving to your next one
🔄 Coming up for renewal
💰 Looking to refinance or consolidate debt
📈 Planning ahead and simply want to know what you qualify for

I’m always happy to answer questions and help you figure out your next step.

No pressure. No confusing mortgage-speak. Just straightforward advice and options that make sense for you.

📩 Feel free to reach out anytime.

Lisa Donaldson-Parks
Mortgage Agent Level 2

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

10/12/2026

🍁🏡 There's just something special about this time of year!

The beautiful fall colours, the smell of Thanksgiving dinner, and gathering around the table with the people who make life so wonderful. 🦃❤️

Thanksgiving is a lovely reminder that a home isn't just about the house itself. It's about the memories we make, the traditions we create, and the people who fill it with love and laughter.

This year, I'm feeling especially thankful for my family, friends, amazing clients, and the wonderful community we call home. 🧡

I'm so grateful to play even a small part in helping people find a place to call their own. Whether it's your first home, your forever home, or somewhere in between, being part of that journey is something I truly appreciate!

Wishing you a Thanksgiving filled with good food, great company, and maybe even a little room for a second helping of pumpkin pie! 🥧😉

Happy Thanksgiving, everyone! 🍂🧡

10/07/2026

🏡 Think you need to save your entire down payment in cash? You may have more options than you realize.

Depending on your situation, your down payment could come from one source or a combination of several:

💰 𝐑𝐑𝐒𝐏 – Home Buyers’ Plan: Eligible buyers can withdraw up to $60,000 from their RRSP through the HBP. The funds generally need to be repaid over 15 years. Canada

🏠 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 (𝐅𝐇𝐒𝐀): Designed specifically for first-time buyers, with up to $8,000 in contribution room each year and a $40,000 lifetime contribution limit. Contributions may be tax-deductible, while qualifying withdrawals are tax-free.

🎁 𝐆𝐢𝐟𝐭𝐞𝐝 𝐝𝐨𝐰𝐧 𝐩𝐚𝐲𝐦𝐞𝐧𝐭: A gift from an immediate family member may be accepted by many lenders, provided it meets the lender’s requirements and is truly a gift rather than a loan.

💵 𝐘𝐨𝐮𝐫 𝐨𝐰𝐧 𝐬𝐚𝐯𝐢𝐧𝐠𝐬: Cash savings, TFSAs and other investments can all potentially form part of your down payment.

And here’s the part people often miss: 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐜𝐨𝐦𝐛𝐢𝐧𝐞 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬. For example, eligible buyers can use both an FHSA and the Home Buyers’ Plan toward the same home purchase.

Every buyer’s situation is different, so rather than assuming homeownership is out of reach, find out what options are actually available to you.

📲 𝐍𝐨𝐭 𝐬𝐮𝐫𝐞 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐪𝐮𝐚𝐥𝐢𝐟𝐲 𝐟𝐨𝐫? 𝐋𝐞𝐭’𝐬 𝐛𝐮𝐢𝐥𝐝 𝐚 𝐩𝐥𝐚𝐧... 𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫!

𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐

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

09/24/2026

𝐘𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐬𝐡𝐨𝐮𝐥𝐝 𝐝𝐨 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐠𝐢𝐯𝐞 𝐲𝐨𝐮 𝐚 𝐫𝐚𝐭𝐞. 𝐈𝐭 𝐬𝐡𝐨𝐮𝐥𝐝 𝐠𝐢𝐯𝐞 𝐲𝐨𝐮 𝐨𝐩𝐭𝐢𝐨𝐧𝐬. 🏡✨

Here are 𝟓 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬 worth asking before you sign:

1️⃣ 𝐂𝐚𝐧 𝐈 𝐦𝐚𝐤𝐞 𝐞𝐱𝐭𝐫𝐚 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬?

Some mortgages let you increase your regular payment or make lump-sum payments. That can help you pay your mortgage down faster and save interest over time.

2️⃣ 𝐖𝐡𝐚𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐬 𝐢𝐟 𝐈 𝐬𝐞𝐥𝐥?

If you move before your term is up, there may be penalties or options to transfer your mortgage to your next home. It’s good to know that before life changes the plan.

3️⃣ 𝐖𝐡𝐚𝐭 𝐰𝐢𝐥𝐥 𝐢𝐭 𝐜𝐨𝐬𝐭 𝐭𝐨 𝐛𝐫𝐞𝐚𝐤?

Mortgage penalties can vary quite a bit depending on the lender and mortgage type. The lowest rate isn’t always the cheapest option if you need flexibility later.

4️⃣ 𝐂𝐚𝐧 𝐈 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞?

Refinancing may give you access to home equity for renovations, debt consolidation or other financial goals. Some mortgages make this easier than others.

5️⃣ 𝐂𝐚𝐧 𝐈 𝐭𝐚𝐤𝐞 𝐢𝐭 𝐰𝐢𝐭𝐡 𝐦𝐞?

Some mortgages are portable, which means you may be able to move your mortgage to a new property instead of starting from scratch.

𝐓𝐡𝐞 𝐭𝐚𝐤𝐞𝐚𝐰𝐚𝐲? 💡

A mortgage should fit your life, not just look good on paper.

Want help comparing the fine print and figuring out what actually makes sense for you? Let’s chat. 😊

𝐋𝐢𝐬𝐚 𝐃𝐨𝐧𝐚𝐥𝐝𝐬𝐨𝐧-𝐏𝐚𝐫𝐤𝐬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐠𝐞𝐧𝐭 𝐋𝐞𝐯𝐞𝐥 𝟐

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

09/23/2026

I’m very lucky to be part of the Kingston Mortgage Solutions/Mortgage Alliance team and even luckier to spend my days helping people navigate some pretty big financial decisions.

Thanks KMS for the feature! 😊 And yes, I will absolutely stand by my Foley Mountain recommendation. If you haven’t been, add it to your list. Even more beautiful this time of year. 🍁🥾💕

Meet the Team: Lisa Donaldson-Parks - Mortgage Agent 💜

Lisa enjoys working with clients to find mortgage solutions that support both their short- and long-term financial goals.

Outside of work, you’ll often find Lisa enjoying time at the cottage—an ideal way to make the most of a summer weekend.

Her local recommendation? Foley Mountain Conservation Area in Westport, where beautiful trails and scenic views make it well worth the visit!

A little mortgage, a little local, and a little more about the people behind KMS. 💜

Lisa Donaldson-Parks | Mortgage Agent Level 2
📞 613-812-0137 | 📧 [email protected]
FSRA #12248

09/07/2026

Happy Labour Day! ☀️💜

Is it just me, or did summer go by WAY too fast?! 😭

Labour Day weekend always feels like that unofficial last hurrah of summer. One more cottage weekend, one more sunset by the water, one more BBQ... and maybe one more attempt to pretend fall isn't right around the corner. 😂🍂

And while some people are packing up the cottage for another season, others are thinking, "You know what? I could get used to this..." 🏡🌊

If owning a little piece of cottage country has been floating around in the back of your mind, I'd be happy to help you figure out what the mortgage side of that dream could look like.

But first, I want to know:

☀️ Are you hanging onto summer as long as humanly possible, or are you already ready for sweaters, pumpkins and fall? 🎃🍂

Happy Labour Day! 💜

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