Sarah Fenwick Mortgage Agent

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Sarah Fenwick Mortgage Agent

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647.402.3284 Helping the Mississauga & GTA area get the right financing & mortgage options. Sarah Fenwick is a Mortgage Agent.

Providing Home Buyers and Home Owners the best mortgage rates, terms and service! Contact Sarah today for your free mortgage checkup.

10/31/2026

The goal was never simply to have a mortgage.

It was to create a home your family could grow in, room in the budget for experiences, and the freedom to be present for moments you’ll never get back.

That’s why your mortgage should support your life, not consume it.

The numbers matter, but this is what they’re for.

10/30/2026

What’s will it take to own this detached home in Hamilton? $150,000 of household income and approx $60,000 for downpayment and closing costs.

10/30/2026

Your mortgage may be doing one job when it could potentially be doing two.

For the right homeowner, the Smith Manoeuvre can create a way to invest alongside the mortgage while potentially making interest on qualifying investment debt tax deductible.

It requires the right structure, discipline, risk tolerance, and professional guidance. But it may be worth understanding.

One question to bring to your next financial planning meeting: Could my mortgage be helping me build net worth more intentionally?

10/28/2026

🍁The Bank of Canada has raised its policy rate to 2.50%.

For some homeowners, the impact may be felt quickly through higher payments or interest costs. For others, it may show up later when it’s time to renew.

This isn’t the time to make a rushed decision based on one headline. It’s the time to understand your mortgage, your debt, and what your budget can comfortably carry.

The rate changed. Your goals didn’t.

If this announcement has you feeling uncertain, reach out. 📲 I’d be happy to look at what it means for you.

10/27/2026

A good income doesn’t always mean your monthly budget feels comfortable.

When the mortgage, groceries, cars, kids, and credit cards all add up, it can feel like there’s never enough room to breathe.

You don’t have to untangle it alone. Let’s look at the full picture and find an approach that makes sense for your family.

10/26/2026

You may not need to save a second down payment entirely from scratch.

For some homeowners, existing equity can help fund the down payment and closing costs on a rental property. This is not “zero down” or free money. It involves borrowing, leverage, and careful planning.

Send this to the homeowner who keeps saying they need to save another $100,000 before investing.

10/24/2026

Your credit score isn’t a grade on how “good” you are with money.

It’s a snapshot built from your credit history and habits, and the exact scoring formulas can vary.

That’s why I’d rather review your credit before you find the house. It gives us time to correct errors, understand what needs attention, and build a plan without panic.

Make checking your credit report the first item on your home-buying checklist.

10/23/2026

🚨Your emergency fund could help you pay less mortgage interest while staying available when you need it.

With an offset mortgage, money held in a linked account can offset the balance used to calculate your mortgage interest. That means your savings can reduce interest costs without being paid directly into the mortgage.

So you’re doing two things at once: paying less interest and keeping funds accessible for an emergency.

Your homework: If a $10,000 expense arrived tomorrow, where would the money come from?

If you’re unsure, make that the first question at your next mortgage review.

10/21/2026

Debt consolidation should feel like a reset, not permission to start over.

A lower rate may help, but the real progress comes from having a clear payoff plan and changing the habits that created the debt in the first place.

Before restructuring anything, choose the date you want the debt gone. Then build the plan backwards from there.

10/20/2026

💵Should you keep saving for a 20% down payment, or buy sooner with less?

Reaching 20% can help you avoid mortgage default insurance premiums. But what if saving that amount takes another 13 years?

Buying sooner could mean purchasing at today’s prices. Waiting means buying at future prices, which no one can predict.

The decision goes beyond avoiding a premium. It’s about comparing your monthly payments, keeping a comfortable savings cushion, and understanding what each timeline could mean for you.

Neither path is automatically better. Let’s compare the numbers so you can make a confident decision that fits your life. 📊

Address

1370 Hurontario Street
Mississauga, ON
L5G3H4

Website

http://www.sarahfenwick.ca/

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