What are the opening hours?

Monday 10am - 7pm Tuesday 9:30am - 7pm Wednesday 9:30am - 7pm Thursday 9:30am - 7pm Friday 9:30am - 7pm

Siobhan "MortgageLady" Bent

Home
Canada
Markham, ON
Siobhan "MortgageLady" Bent

Serving the Greater Toronto Area (GTA) since 2001

As your Mortgage Broker, I will do all the work of mortgage shopping for you, so you can concentrate on making your move go smoothly. I'll meet you to discuss your needs when and where you like or I can handle everything over the phone or online, if you prefer. I'll take the time to explain all the steps and terms in plain English to make sure you're completely comfortable. Then I'll shop your mortgage to Canada's leading lenders who compete for the opportunity of funding your mortgage.

10/20/2025

Is your mortgage coming up for renewal?
Before you sign your lender’s offer, take a moment to explore your options. A small change could mean big savings over the next few years.

Here’s what to keep in mind:
💡 You’re renegotiating, not reapplying — your mortgage stays, but the terms can change.
💡 Shopping around could uncover lower rates or better flexibility.
💡 It’s a great time to adjust your payment frequency, amortization, or prepayment options.
💡 Renewals typically don’t involve fees or penalties.

DM me and I can help you compare offers and make sure your next term truly fits your goals.

10/14/2025

Did you know most mortgages come with prepayment privileges? 🏡💡
That means you can make lump-sum payments or increase your regular payments each year, often up to 10–20%, without penalty. Even small extra payments can help you become mortgage-free years sooner!

Let’s explore how much faster you could pay off your mortgage.

10/07/2025

🤔 Why choose a mortgage broker over going directly to the bank?
Because we work for YOU, not the lender.

💡 We shop multiple lenders to find you better rates, more options, and do all the negotiating on your behalf. That means more choice, less stress, and bigger savings in your pocket.

Let’s find the mortgage that truly fits your needs.

09/25/2025

Thinking about refinancing? 🏡💰
Whether it’s lowering your rate, consolidating debt, or freeing up equity for your next big goal — refinancing could be the smart move.

Let’s review your options together and see how refinancing can work for you today.

📲 Message me to get started.

09/15/2025

💡 Think you need 20% down to buy a home? Think again.

With today’s mortgage options, homeownership could be within reach sooner than you realize. From first-time buyer programs to flexible down payment solutions, there are paths that work for many budgets.

Let’s talk about what’s possible for you. 🏡✨

09/08/2025

HELOC or refinancing—which is right for you? 🏡
✔️ HELOC = flexible borrowing when you need it.
✔️ Refinancing = new mortgage, new terms, possible savings.
Let’s connect and figure out which strategy works best for your financial goals.

09/04/2025

💬 Not sure if now’s the right time to buy or renew? You don’t need all the answers—just a mortgage expert in your corner.

📲 Let’s talk through your situation and make a plan you feel good about.

08/26/2025

By starting your review 4–6 months ahead of your renewal date, you give yourself the flexibility to:
✅ Compare rates and terms from multiple lenders
✅ Refinance if your needs have changed (e.g., debt consolidation, renovations)
✅ Switch lenders without penalties or the stress test (under new rules!)
✅ Explore ways to adjust your amortization for better monthly cash flow

Taking a proactive approach puts you in control — not the clock. The earlier we start, the more options you’ll have at your fingertips.

📲 Let’s connect and build a renewal strategy that works for your current needs and future plans.

08/19/2025

💼 Being your own boss doesn’t mean giving up on homeownership — it just means you need a mortgage that understands your income story.

✅ Flexible documentation options
✅ Access to lenders who work with business owners
✅ Personalized guidance to help you prepare and qualify

💡 Whether you’re a freelancer, contractor, or small business owner, I’ll help you navigate the process and find a mortgage that fits your unique situation.

08/12/2025

🔒 Lock In Early, Stress Less
If your mortgage is up for renewal in the next 4–6 months, now is the perfect time to start planning — because locking in your rate early can save you money and give you peace of mind.

Here’s why early action works in your favour:
✅ You can secure today’s rate — even if rates rise later
✅ You get time to review multiple lender offers — not just your current one
✅ You’ll avoid the last-minute rush and make a more confident decision
✅ It gives you room to explore refinancing, adjusting terms, or even switching lenders

💡 Renewal isn’t just a routine step — it’s a chance to reset your mortgage strategy and make sure it still fits your goals.

📲 Let’s review your options together and lock in a rate that works for you — before the market moves again.

08/05/2025

The Bank of Canada estimates that nearly 60% of mortgage holders will see higher payments by 2026 — especially those with fixed-rate terms set to renew. But here’s the good news: you have options — and with the right strategy, you can minimize the impact and even come out ahead.

As your mortgage broker, I can help you:
✅ Review your renewal options early
✅ Compare rates across multiple lenders
✅ Explore ways to adjust your term or amortization
✅ Create a plan that fits your current lifestyle and future goals

💡 Renewing your mortgage isn’t just a deadline — it’s an opportunity to renegotiate and realign your finances. The earlier we start the conversation, the more power you’ll have at the table.

📲 Let’s chat before your renewal date. A few months of planning can make a big difference in what you pay.

07/29/2025

They sound similar, but they’re not the same.
🔹 Pre-qualification is a quick estimate
🔹 Pre-approval involves a deeper review of your finances and carries more weight with sellers
Want to know which one you need? Let’s chat.

Address

55 Renfrew Drive
Markham, ON
L3R8H3

Opening Hours

Monday	10am - 7pm
Tuesday	9:30am - 7pm
Wednesday	9:30am - 7pm
Thursday	9:30am - 7pm
Friday	9:30am - 7pm

Website

http://www.mortgages4moms.com/

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