Chasity Lantz Mortgage Associate

10/29/2025

The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.
https://loom.ly/xzt84b4

Automatically view the rate announcement the moment it is published.

10/27/2025

Are you a new home owner? Becoming a home owner is a major milestone, and the process leading up to it takes up a lot of your focus. Once the excitement and stress have settled, however, many new home owners want to think about how they can make their house feel more like a home. This can take some time, but there are several home improvement projects to take on that will help. The good news is you don’t need to take on major renovations to create a fresh, welcoming space. Smaller, budget-friendly updates can make a big difference, without breaking the bank. After all, you want to balance your budget with your desire to personalize your space! Here are five affordable projects you can tackle as a new home owner.

What are the best home improvement projects for new buyers? Here are 5 simple and worthwhile projects to take on when you move in.

10/17/2025

When you’re getting ready to buy a home, there are lots of things on your mind. You have to juggle your mortgage financing, moving timeline, budget, and a whole bunch of other items. One thing you may not have thought to ask yourself is whether you should go for a fixer-upper or move-in ready home. Most people automatically think about turnkey properties when they consider their homeownership options. However, should you consider a fixer-upper? Both options can get you into homeownership, but they come with very different experiences, costs, and long-term outcomes.

Should you opt for a fixer-upper or move-in ready home? Here’s what you need to know to decide what is right for you.

10/07/2025

Are you thinking about buying a home, but also carrying some debt? It could be from a car loan, student debt, or credit cards. However, does that mean you have to hit pause on your homeownership plans? Not necessarily! Many Canadians buy homes while still paying down other debts. The key factor is how you’re managing those debts and whether you can show lenders you’ll be able to take on the added responsibility of a mortgage. Here’s what you should keep in mind about the home buying process.

Can you buy a home with debt? This post explores how the home buying process works if you are entering the market with pre-existing debt!

10/01/2025

Are you hoping to do some home renovations this fall? As the leaves change colours and the air gets colder, many home owners start thinking about cozying up indoors. However, autumn is also a great time to take on home renovations that can boost your property’s value! The right seasonal updates can help home owners build equity, make their home more appealing to future buyers, and enjoy their space more. If you’re considering renovations this fall, here are five smart projects to increase your home’s value.

Can you buy a home with debt? This post explores how the process works if you are entering the market with pre-existing debt!

09/22/2025

What is a reverse mortgage? If you’re 55 or older and own your home, you may have asked yourself this question. A reverse mortgage can be a valuable financial tool, but of course, it’s not right for everyone! In this post, we walk through what a reverse mortgage is, how it works, its pros and cons, and how to know if it might be the right fit for you.

Are you a good fit for a reverse mortgage? In this post, we review who this product is right for, and how it works!

09/17/2025

The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.5%, with the Bank Rate at 2.75% and the deposit rate at 2.45%.
https://loom.ly/9LUx4Ag

The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.5%, with the Bank Rate at 2.75% and the deposit rate at 2.45%.

09/14/2025

Contact me if you're looking to purchase a home, your mortgage is up for renewal. or looking to refinance to do renovations or pay off some debt. I would be happy to help

09/11/2025

There is still time left to enter our 2025 Back to School, Back to Reality Giveaway, and this year we’re going bigger than ever with our largest prize to date!

We are giving away a $5,000 grand prize TOMORROW!

Entering is easy! All you have to do is let us know how you would spend the grand prize. You will also get an extra entry by signing up for mobile alerts.

The contest is live and you can get your entry online! Find out more information about the contest and get your entry here:

It's time for our annual Back to School, Back to Reality giveaway. Be sure to enter for your chance to win great prizes!

09/10/2025

If you’re a home owner in Canada, or a prospective home buyer, you’ve likely heard a lot about the Bank of Canada (BoC) over the past few years. The central bank has been closely followed on the news, on social media, and in everyday conversations with friends and family. This makes sense, considering how much of an impact the BoC has on Canadians and their homeownership journeys. However, do you know exactly how the central bank’s actions affect you? You don’t need to be an expert, but it’s important to understand how home owners are impacted, and why you should care. Here’s a brief review on what you should know!

How does the Bank of Canada affect your mortgage as a home owner? Here’s what you should know about the central bank’s actions.

09/03/2025

It’s time for our 2025 Back to School, Back to Reality Giveaway, and this year we’re going bigger than ever with our largest prize to date!

We are giving away a $5,000 grand prize on September 12th!

Entering is easy! All you have to do is let us know how you would spend the grand prize. You will also get an extra entry by signing up for mobile alerts.

The contest is live and you can get your entry online! Find out more information about the contest and get your entry here:

It's time for our annual Back to School, Back to Reality giveaway. Be sure to enter for your chance to win great prizes!

09/02/2025

Hoping to buy a home in today’s market? If so, you, like many other Canadians, may be wondering if it’s possible to do so without help from the “bank of Mom and Dad.” Parental financial support when buying a home used to be a bonus that some lucky home buyers would receive, but for most people it was not something to rely upon. Now, however, the majority of new Canadian buyers are doing so with assistance from their parents. So, if you are planning on entering the housing market, should you bank on needing help from your parents?

Do you need help from the bank of Mom and Dad to purchase a home? Here’s what Canadians need to know in today’s market.