Lucas Burns - Martel Mortgages - Licensed Mortgage Agent

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Lucas Burns - Martel Mortgages - Licensed Mortgage Agent

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Lucas Burns is a bilingual Level 2 Mortgage Agent with the Martel Mortgages Team @ Oriana Financial FSRA #10214 serving all of Ontario

05/27/2026

“What’s holding you back from buying right now?
Waiting for prices to drop? Waiting for the ‘perfect time’?

Here’s the reality, we’re already seeing the market get stronger, confidence returning, and home values starting to rise again. The longer people wait, the harder it may become to get into the market they could afford today.

I’m here at the CMBA Conference in Ottawa surrounded by some of the best minds in the mortgage industry, and one thing is clear, opportunity doesn’t wait for comfort.

Whether you’re a first-time buyer, looking to invest, refinance, or simply understand your options better, my job is to give you honest guidance, clear strategies, and help you make informed decisions without pressure.

I work with clients all across Ontario, and sometimes one conversation is all it takes to create a plan and move forward with confidence.

Don’t let uncertainty stop you from building your future.
Reach out, let’s talk about how you can get into the housing market.”

Lucas Burns
Mortgage Agent Level 2
📞 613-298-1522
📧 [email protected]

03/20/2026

🏡 Fixed vs Variable vs Adjustable.

What’s the difference?

Let’s break it down simply 👇

🔒 Fixed Rate Mortgage
Your rate stays the same for your entire term.
✔️ Same payment
✔️ Easy to budget
✔️ No surprises

Perfect if you like stability and predictability.

⸻

📉 Variable Rate Mortgage
Your rate moves with the market (Bank of Canada).
✔️ Payments usually stay the same
✔️ Interest portion changes
✔️ Can save money if rates drop

Great if you’re comfortable with some risk for potential reward.

⸻

📊 Adjustable Rate Mortgage
This is where people get confused 👇

✔️ Rate changes with the market
✔️ Your payment changes too

So when rates go up… your payment goes up.
When rates go down… your payment drops.

⸻

💡 Quick way to remember:
Fixed = Stable
Variable = Same payment, shifting interest
Adjustable = Everything moves

⸻

Choosing the right one comes down to your risk tolerance, goals, and financial situation.

If you’re unsure which is right for you, let’s talk 👇

Lucas Burns
Mortgage Agent Level 2
📞 613-298-1522
📧 [email protected]

Your greatest compliment is a referral from family or friends.

03/02/2026

🏡 Let’s Talk Closing Costs.

When buying a home, lenders typically want to see that you have at least 1.5% of the purchase price available for closing costs.

What does that cover?

✔️ Legal fees
✔️ Land Transfer Tax
✔️ Appraisal (if required)

This money is separate from your down payment, and yes, it’s important to plan for it early so there are no surprises on closing day.

The goal? Smooth approval. Smooth closing. Happy homeowner.

If you’re thinking about buying and want to make sure you’re fully prepared, let’s connect. I’ll walk you through everything step-by-step so you know exactly what to expect.

Lucas Burns
Mortgage Agent Level 2
📞 613-298-1522
📧 [email protected]
The Oriana Financial Group FSRA #10214

Your greatest compliment is a referral from family or friends.

keepingyouinformed

02/13/2026

🏡 Thinking about buying a home? Start with a mortgage pre-approval!

Why? It saves time for everyone, you, your realtor, and the entire process! Knowing your budget from the start means zero wasted showings and faster offers on your dream home. Get pre-approved, then start the fun part: house hunting!

09/17/2025

🫲It's all been building up to this!🫱

Quick Reminder:
1. Bank of Canada Rate Changes affect your Variable Mortgages and Lines of Credit.
2. The Bond Yields affect your Fixed Rate Mortgages.

Although we expect to see some trickle down effect to the fixed rates as well, the news from today will give a break to those with a Variable Rate mortgage or a Home Equity Line of Credit.

04/17/2025

Happy Easter to all 🧑‍🎄

03/27/2025

Just wrapped up an incredible time at the Oriana Financial Conference and CMBA Awards Gala in Toronto! It was a fantastic opportunity to learn about the latest mortgage products, gain insights from industry experts on the economy, and, of course, catch up with some amazing colleagues.

Translation? I geeked out over mortgage trends, soaked up economic wisdom, and maybe, just maybe, enjoyed the Toronto skyline a little too much.

Excited to bring this knowledge back to my clients, family, and friends because, let’s be real, who doesn’t love an agent who stays ahead of the game?

If you have mortgage questions, I’ve got answers (and probably a coffee in hand). Let’s chat!

📞 613-298-1522
📧 [email protected]

03/11/2025

150 Families, 150 Dreams, And We’re Just Getting Started!

Feeling incredibly grateful and proud today! I’ve had the honor of helping 150 families secure mortgages and take that incredible step toward homeownership. Whether it was a first home, a refinance, an investment property, or a renewal, each journey has been unique and special.

To all my amazing clients, THANK YOU for trusting me to guide you through the process. It means the world to be part of such a big milestone in your lives!

And guess what? I’m just getting started! If you’re looking to buy, refinance, or explore your mortgage options, let’s chat. Your dream home (or investment) might be closer than you think!

📲 Call or text me at 613-298-1522
📩 Email: [email protected]

Who’s next? Let’s make homeownership happen together!

Address

Manotick, ON

Telephone

+16132981522

Website

http://lucasburnsmortgages.ca/

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