GetIn Mortgage with Thomas Spychalski

12/23/2025

🎄✨ Merry Christmas ✨🎄

10/10/2025

📊 Mortgage Market Pulse – September 2025

The latest national data is in, and it paints a clear picture of how the Canadian mortgage landscape is shifting:

🔵 Credit Scores:
The percentage of new mortgage holders with credit scores below 660 has surged 32% since 2021 — up from 4.1% to 5.4%.
👉 Translation: more Canadians with non-prime credit are entering the market, but lenders are applying stricter underwriting and more documentation than ever.

🟣 Self-Employment:
The number of self-employed Canadians climbed again — now 2.674 million, up nearly 1% since 2021.
👉 For entrepreneurs and contractors, qualifying still comes down to how you structure and present your income — not just what you make.

🟢 Newcomers:
Canada welcomed over 480,000 new permanent residents in 2024 alone, with nearly 2 million newcomers since 2020.
👉 Many are ready to buy their first homes, often with limited credit history or foreign income documentation.

💡 The takeaway?
Credit profiles are changing, employment patterns are evolving, and demand from newcomers keeps housing pressure strong.

If you’re self-employed, new to Canada, or working on your credit, there are still strategic mortgage programs that can get you approved — you just need the right broker guiding the file.

📞 Tomasz Spychalski, Mortgage Broker (FSRA #13660)
📱 416-995-6318
🌐 GetInMortgage.ca

🏠 Helping Canadians qualify smarter — not harder.

09/18/2025

📉💸 Breaking News (but not really surprising):
Bank of Canada & Fed just cut rates by 0.25%! 🪓

🎉 Great news if you’re on a variable mortgage – your wallet just sighed in relief.

But let’s be real… as a wise person once said:

“What kind of economy needs a lot of rate cuts?”
🤔 Answer: A not-so-great one. 😬

So celebrate the lower payment 🥳 but maybe keep that champagne on ice 🥂 — things might get interesting before year-end…

09/12/2025

🌴🔥 Czujecie to? Karaibska fala nadciąga do Ontario! 🔥🌴

Moi Drodzy, tu Tomasz Spychalski – Mortgage Broker i z radością ogłaszam, że mam zaszczyt być jednym z patronów wyjątkowego wydarzenia! 🎉

👉 Już 25 października szykujemy dla Was CZWARTE Radio Party – Karaibska Noc! 🥳🌺
To będzie prawdziwa podróż na wyspy – bez biletu lotniczego, za to z gorącą energią i najlepszą polonijną ekipą w mieście.

💃 Tańce do rana – salsa, reggae i gorące rytmy w wykonaniu zespołu Marka Majewskiego i DJ Kompota.
🍲 Kuchnia palce lizać – serwują mistrzowie smaku: Jana Gromady i Eddie`ego.
🎤 Prowadzi najlepszy wodzirej – Wojtek Gawenda.

Spodziewamy się ponad 400 osób, które razem stworzą najbardziej roztańczoną, kolorową i pozytywną atmosferę tej jesieni. To będzie najgorętsza impreza sezonu! 🔥

Dlaczego warto być częścią? Bo wspierając Radio 7 wspierasz całą naszą polonijną społeczność – razem tworzymy coś wyjątkowego. 🇵🇱❤️

📅 25 października
📍 Najlepsze miejsce w mieście - Paul II Polish Cultural Centre Mississauga
🌴 Hasło wieczoru: Karaibska Noc!

Rezerwacje i info: 416-882-0987 (Ilona)

Zabierz znajomych, przyjdź głodny tańca i dobrej zabawy – resztę my gwarantujemy!

Do zobaczenia na parkiecie,
Tomasz Spychalski
Mortgage Broker, Patron wydarzenia 🥂

09/07/2025

The upcoming announcement is scheduled for Wednesday, September 17, 2025 at 09:45 ET when the BoC will reveal its decision on the overnight rate.

The Globe and Mail, as quoted in the Mortgage Rate Forecast blog, indicates that market odds for a 25 basis point cut at the September meeting stand around 90%, with only a 10% chance of no change.

09/06/2025

🚨 End-of-Week Market Check & What It Means for Mortgages 🚨

Canada & the US just dropped some surprising jobs data:
📉 Canada lost ~66k jobs vs. the forecasted +30k.
📉 US unemployment isn’t looking much better.

On the bright side, bond yields are down to a 2-month low, which could mean some downward pressure on mortgage rates early next week!

Stay tuned—next week’s looking busy. Are you ready to get in the market? 💼💰 We can help!

Thomas Spychalski, mortgage broker

06/12/2025

INSURED MORTGAGES FROM 3.69%*
Can your bank or broker do it?

Find out how you can secure an insured mortgage at an unbeatable rate!

Contact me today for personalized advice!

📞 Thomas Spychalski, Mortgage Broker
📇 Broker #13660
🏢 A Better Way Mortgage Group

Let’s make your dream home a reality.



*Purchase, OAC (On Approved Credit), 5-year fixed term.

09/19/2024

Jumbo-sized 🤪🤪 rate cut: Fed slashes rates by a half percentage point 🤑🤑 💪💪

The Federal Reserve was widely expected to announce at least a quarter-point cut on Wednesday, signaling lower borrowing costs for American households and businesses.

09/17/2024

National housing market in ‘holding pattern’ as buyers patient for lower rates: CREA

The Canadian Real Estate Association says the number of homes sold in August fell compared with a year ago as the market remained largely "stuck in a holding pattern" despite borrowing costs beginning to come down.

09/17/2024

https://www.canadianmortgagetrends.com/2024/09/breaking-federal-government-raises-cmhc-insured-mortgage-cap-to-1-5-million/

The federal government has unveiled sweeping changes to Canada's mortgage system, calling them the "boldest reforms in decades."