Daniel Cox - Mortgage Alliance

10/31/2026

When your trick-or-treating squad consists of a giant Poké Ball, a zombie soccer player, and a fairy, you know you’re in for an eventful evening. 😂 Hope everyone stays warm and has a blast out trick-or-treating tonight! 🍬✨

10/30/2026

Can’t tell if they hate the carving or love the snack. 😂🎃🐔

10/28/2026

The Bank of Canada has officially raised its benchmark policy rate by 25 basis points to 2.50%. This is the first increase in three years.

Following this decision, major Canadian lenders are expected to adjust their Prime Lending Rate from 4.45% to 4.70%.

Here is what this decision means for Atlantic Canadian homeowners and buyers:

1. Variable Rate & HELOC Borrowers:

If you have an adjustable-rate mortgage (ARM), also called variable rate, or a home equity line of credit, your borrowing rate will rise with Prime. For every $100,000 of mortgage balance, expect monthly payments to adjust by roughly $14 to $15 per month.

2. Fixed-Rate Borrowers & Renewals:

Existing fixed mortgages are completely unaffected — your rate and monthly payments remain locked until maturity. However, if your mortgage renews within the next few months, you can secure a 120-day rate hold that will lock in today's rate and protect you against future increases. If the rates go down, you will get the lower rate even with your rate hold. The next Bank of Canada announcement will be Wednesday, December 9, 2026.

3. First-Time Home Buyers:

An increase in Prime edges up the federal mortgage stress test (qualifying at your contract rate + 2.00%). But even with tighter rules, buyers across NS, NB, and PEI have the most inventory to pick from in over five years (according to CREA data) — which can relieve some pressure to rush into an offer.

Have questions about how today's announcement impacts your current mortgage or upcoming purchase? Book a quick 15-minute call with our team. Booking link in the comments!

10/27/2026

I finally got a minute to look back through the camera roll from the Sackville Business Awards earlier this month!

Standing alongside fellow local business owners and celebrating the work being done across Sackville was easily the highlight of the season. While we didn’t walk away with the top trophy, taking home a finalist spot alongside incredible businesses like Roy’s Restaurant and The Ultimate Party & Rental Store means the world to our team.

Proud of this crew, proud of what we're building, and grateful to everyone who trusts us with their homes and mortgages every day. Congratulations again to Roy on a well-deserved win! 🏆

10/21/2026

Huge shoutout to all the Lower Sackville business owners we get to work with so often! It was really great seeing everyone at the recent Sackville Business Association Awards Gala. Happy Small Business Week, everyone!

It’s Small Business Week across Canada, and if you run an independent business in Atlantic Canada, you already know the reality: you wear every hat, solve every fire, and work twice as hard to build something of your own.

The entire UMG Atlantic team wants to give a massive shoutout to every business owner, founder, and self-employed professional across Nova Scotia, New Brunswick, PEI, and Newfoundland & Labrador. You keep our communities vibrant, and you deserve a mortgage team that works just as hard to champion your goals as you work for your clients every day.

Whether your next milestone is purchasing a home for your family or securing a commercial space to expand your business, navigating business-for-self financing shouldn’t be another hurdle. We understand how independent businesses actually operate, and we're always here to help you make the numbers work.

Drop a comment below with your local business name or tag an Atlantic entrepreneur whose work you love — we want to highlight and support you! 👇

10/15/2026

Couldn't be more proud of this team. 💛

As many of you know, we were recently named a top three finalist for Business of the Year with Sackville Business Association! While we didn’t take home the top spot, we couldn’t be prouder of our team and everything we’ve built together.

Working in finance is both challenging and rewarding, but our guiding principle has always been simple: we want everyone in our community to be in the best, most secure financial position possible. If we can make that happen with your mortgage, we will. We’re never here to push anyone into a deal just to close a file, either. We’ve had folks reach out for a second opinion on a renewal offer and told them to stay right where they were because they already had a great deal on the table. That’s just who we are, and that’s the kind of community we’re committed to supporting. So, a massive thank you to our hardworking team, our clients, friends, family, business partners, and everyone who continues to support this mission, and trust us to make good things happen.

Huge congratulations to Roy’s Restaurant on taking home the win, and to our fellow finalist The Ultimate Party & Rental Store! It was an absolute pleasure reconnecting with everyone, and we’re excited to keep those connections going strong as we head toward 2027.

10/13/2026

Despite what the cake says, I’m not 54. That was a hilarious joke made by my “friends.” 😂😅 After a little switcheroo with the candles, my age was back to normal!

Thanks to everyone who came out for the surprise party on Friday, and special thanks to my wife Jennifer Cox for organizing the whole thing.

We had a fun bowling tournament, which went right down to the wire. So much so that we were hand-picking the balls because a little dent could throw off the technique! 🎳

09/17/2026

Where there is a will there is a way!

09/17/2026

09/14/2026

Double digits! Happy 10th Birthday to my son, Emerson! 🎂⚽

When your son loves soccer, you pull out the field paint and turn the backyard into a full tournament venue.

Watching him and his buddies leave it all on the field was easily the highlight of the weekend. Proud dad moment right here. He's growing into such an awesome guy. Here’s to a great year ahead, Emerson! 🏆❤️