Sarah Fenwick Mortgage Agent

Sarah Fenwick Mortgage Agent 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.

When you apply for a mortgage, banks do not just check if you can afford your actual interest rate. They test your finan...
06/08/2026

When you apply for a mortgage, banks do not just check if you can afford your actual interest rate. They test your finances against a financial safety buffer.

This is the Canadian stress test. If your contract rate is 4.5%, rules require lenders to qualify you at that rate plus an extra 2% (meaning you need to qualify at 6.5%.

Did you know about this extra 2% buffer, or is this new to you?

If you want to find out exactly how much purchasing power you have under the current stress test rules, send me a DM and let's map out your numbers!

06/06/2026

Real estate moves fast. Your mortgage partner should too.

When you see a post like this, it’s a joke about the crazy schedule but it’s also the truth. Buying a home is one of the biggest moves you’ll ever make, and it can feel incredibly stressful if you're waiting days for a response.

My calendar is open Sunday through Saturday because peace of mind shouldn’t have an expiration date on Friday at 5:00 PM.

What this means for you:

Fast pre-approvals when time is of the essence.

Weekend support while you're out looking at properties.

A guide who is with you every literal step of the way.

📌 Save this post so you remember who to call when you find "the one," and click the link in my bio to start your pre-approval today!











06/05/2026

Ever heard of an All-in-One Mortgage Account? 🏦

Instead of keeping your money scattered across three different places, this banking strategy combines your checking, savings, and mortgage into a single platform.

How it works: Every dollar you deposit instantly offsets your principal loan balance, which slashes the amount of compounding interest you owe daily.

🚨 Note: This strategy requires disciplined cash-flow management, so it isn't the right fit for everyone.

Want to see if an All-in-One account could help you pay off your mortgage faster? Send me a DM to find out if it's a fit for your financial goals!






06/04/2026

A mortgage commitment is not a final contract. In the 2026 Ontario market, lenders audit your financial data until the moment of closing. A single credit pull can trigger an immediate file revocation.

Protect your closing day from these 5 lethal errors:

❌New financing.

❌ Job transitions.

❌Co-signing for others.

❌ Large, untraceable deposits.

❌ Late credit payments.

Precision is required to preserve your homeownership status.

Send me a DM to make sure your financing stays completely secure until keys are in hand.









Ever wonder why the Bank of Canada rate is 2.25%, but your actual mortgage offer is higher?That 2.25% is just the benchm...
06/03/2026

Ever wonder why the Bank of Canada rate is 2.25%, but your actual mortgage offer is higher?

That 2.25% is just the benchmark rate for banks lending to each other. For everyday buyers, the retail prime rate sits closer to 4.45%, which is what determines your actual mortgage rate.

Are you actively looking to buy a home this summer, or are you just watching from the sidelines? Send me a DM and let's run the numbers.






06/02/2026

Let’s bust a major real estate myth: getting a mortgage does not have to be a nightmare. ❌🏠

We’ve all heard the horror stories: weeks of radio silence, endless demands for obscure paperwork, and stressful, last-minute surprises before closing. But here’s the truth: the process itself isn't the problem. The lack of guidance is.

When you work with a mortgage agent who actually treats you like a human being instead of a file number, the entire experience changes.

My job isn't to hand you a mountain of paperwork and wish you luck. My job is to handle the heavy lifting, translate the banking jargon into plain English, and clear the path so you can focus on the excitement of buying your home.

If it feels too complicated, you just haven't found the right team yet. Let's change that.

💬 What is the number one thing holding you back from applying for a mortgage? Send me a DM.





For eligible buyers, the proposed GST/HST relief on new builds could mean significant upfront savings on qualifying home...
06/01/2026

For eligible buyers, the proposed GST/HST relief on new builds could mean significant upfront savings on qualifying homes under $1.5M.

The opportunity:
✔ Potential tax savings up to $130,000
✔ Applies to qualifying new construction purchases
✔ Current deadline: March 31, 2027

Most people are focused only on rates.
Sophisticated buyers are paying attention to policy.

The real question is:
Would you use the savings to lower your payment… or build long-term wealth faster?

Send me a DM right now and let’s map out a strategy.








It’s rarely the big financial changes that move the needle.It’s the small ones you actually stick with.Cutting one subsc...
05/29/2026

It’s rarely the big financial changes that move the needle.

It’s the small ones you actually stick with.

Cutting one subscription might not feel like much in the moment… but redirecting that money every month can start to build real momentum.

Toward your savings.
Toward your debt.
Or even toward your mortgage.

Consistency beats intensity when it comes to your finances.

If you’re looking for simple ways to improve your cash flow without overhauling your entire budget, this is a great place to start.

Closing day sounds like a big, overwhelming moment… but if everything has been set up properly, it’s actually pretty smo...
05/27/2026

Closing day sounds like a big, overwhelming moment… but if everything has been set up properly, it’s actually pretty smooth.

Behind the scenes, your lawyer is finalizing documents, your lender is sending funds, and the title of the home is being transferred into your name.

On your end, it usually comes down to signing paperwork, confirming your down payment and closing costs are ready, and waiting for the call that everything is complete.

And then… you get the keys.

The goal is simple: no surprises, no scrambling — just a clear, well-executed plan coming together.

If you’re buying this year and want to make sure your closing day feels like this, reach out and let’s make sure everything is lined up properly from the start.

05/26/2026

Card games teach kids patience, strategy, and thinking a few moves ahead.
Good mortgage planning is similar.

The lowest rate today is not always the best long-term move. Sometimes the smartest strategy is the one that gives your family flexibility and stability over time.










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1370 Hurontario Street
Mississauga, ON
L5G3H4

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