Hannah Martens Mortgage Broker

Hannah Martens Mortgage Broker Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Hannah Martens Mortgage Broker, Mortgage brokers, 8 School Street, Montague, PE.

Service is my Signature ✨

Award Winning Mortgage Broker (PEI) and Associate Mortgage Broker (NS #3000663) | Offices in Charlottetown, Montague & Summerside

Former Army & Town Councillor | BA in Politics from Acadia | Wife & Dog Mom

One of the biggest surprises for clients is learning that the income on their paystub isn't always the income a lender u...
06/03/2026

One of the biggest surprises for clients is learning that the income on their paystub isn't always the income a lender uses.

Confused yet? 😅

Let's say you make $80,000 per year. Most people assume a lender will simply use that number when calculating how much you qualify for.

Sometimes that's true.

But what if part of your income comes from overtime? Bonuses? Commission? Seasonal work? Self-employment? Rental properties?

Now things get a little more complicated.

The question isn't usually "Did you earn the income?"

The question is "How will the lender view that income?"

That's where things can vary, and why two people with the exact same earnings can end up qualifying for very different mortgage amounts.

I see this all the time here on PEI, especially with seasonal workers and self-employed borrowers.

The good news? It doesn't mean you can't get approved.

It just means we need to understand your income, choose the right lender, and build a strategy around your situation.

That's also why I always recommend getting pre-approved before falling in love with a house. I'd much rather have that conversation upfront than have you find your dream home and discover the numbers don't work.

Every income situation is a little different, and honestly, that's where working with a mortgage broker can make a huge difference.

Have questions about your income? I'd be happy to take a look. 🏡
📞 902-326-4505
📩 [email protected]
🌐 hmartens.ca

A busy day in the down east office today.6 client meetings, a couple of Zoom calls squeezed in between, a few drop-ins j...
06/02/2026

A busy day in the down east office today.

6 client meetings, a couple of Zoom calls squeezed in between, a few drop-ins just to say hello, more emails than I care to count, and enough granola bars to qualify as a balanced diet. 😅

Some days in this business are long, busy, and a little chaotic. But I genuinely love what I do & wouldn’t trade it for anything.

Every meeting is someone buying their first home, refinancing to improve their situation, planning for the future, or asking questions they don’t know who else to ask. Being trusted with those conversations is something I’ll never take for granted.

Tired? Absolutely.
Grateful? Even more 🤍

This is one of the most Googled mortgage questions 👀 And fair enough… it’s an important one 😅Typically, 680+ gives you t...
05/29/2026

This is one of the most Googled mortgage questions 👀 And fair enough… it’s an important one 😅

Typically, 680+ gives you the most flexibility with traditional/A lenders, but that doesn’t mean homeownership is off the table if you’re below that.

Credit score is just one piece of the puzzle 🏡 Income, debt, down payment, property type, and the overall strength of your application all matter too.

I’ve had people assume they needed perfect credit when they absolutely didn’t... and others with great credit who still needed some strategy.

Google can give you a ballpark. Your actual mortgage file gives the real answer ✨

Wondering where you stand? Let’s chat.
📞 902-326-4505
📩 [email protected]
🌐 hmartens.ca

Nothing makes me happier than helping good people through big milestones 🏡🤍Mortgages can feel overwhelming, but they don...
05/27/2026

Nothing makes me happier than helping good people through big milestones 🏡🤍

Mortgages can feel overwhelming, but they don’t have to. My job is to make the process make sense, answer the “is this a dumb question?” questions (they never are), and be in your corner from start to finish.

Thank you to my clients for your trust 🫶

Your mortgage renewal is more than just picking a new rate 👀For many homeowners, renewal is actually the ideal time to r...
05/22/2026

Your mortgage renewal is more than just picking a new rate 👀

For many homeowners, renewal is actually the ideal time to revisit the bigger picture.

Need to consolidate debt? Access equity for renovations? Lower your monthly obligations? Restructure before life changes like retirement?

Because your term is ending, this is often your chance to make changes without the penalty that comes with breaking your mortgage early 💥

Far too many homeowners just sign the lender’s renewal offer without exploring their options first.

Your mortgage should still fit your life - not the version of your life from 5 years ago ✨

Thinking your renewal is coming up? Let’s chat before you auto-sign 📩
📞 902-326-4505
📩 [email protected]
🌐 hmartens.ca

It honestly feels like there are SO many buyers out there right now 👀 First-time buyers trying to break into the market,...
05/20/2026

It honestly feels like there are SO many buyers out there right now 👀 First-time buyers trying to break into the market, growing families needing more space, and homeowners thinking about what’s next…

But a lot of them are still sitting on the sidelines.

So I asked some of my pre-approved clients why 🏡

And honestly? Their answers made a lot of sense.

Buying a home isn’t just about what you qualify for on paper.

It’s about confidence.
It’s about timing.
It’s about finding the right home.

And sometimes? It’s about being emotionally exhausted from losing out in multiple offers… or feeling like life is expensive enough already every time you tap your debit card 🫠⛽️🛒

A pre-approval gives you options - not pressure 🤍

A slower start to the year doesn’t automatically mean something is wrong with the market. Sometimes it simply means buyer behaviour has shifted.

And when confidence starts to come back? Activity usually follows ✨

If you’re quietly watching the market, wondering if now / later / someday makes more sense for YOU… my inbox is always open 🏡💌

📞 902-326-4505
📩 [email protected]
🌐 hmartens.ca

Picnic Day done right ☀️🧺A little Eastern PEI tradition with my hubs - great food from .eatery.pei, sunshine, and a quie...
05/18/2026

Picnic Day done right ☀️🧺
A little Eastern PEI tradition with my hubs - great food from .eatery.pei, sunshine, and a quiet spot by the Morell River 💛

Wishing you a happy Victoria Day 🇨🇦👑☀️Enjoy the long weekend, soak up the extra day off, and maybe do a little dream hom...
05/18/2026

Wishing you a happy Victoria Day 🇨🇦👑☀️

Enjoy the long weekend, soak up the extra day off, and maybe do a little dream home scrolling while you’re at it 🏡👀

Want to know one of the biggest differences between a smooth mortgage file and a chaotic one?The questions asked at the ...
05/15/2026

Want to know one of the biggest differences between a smooth mortgage file and a chaotic one?

The questions asked at the beginning.

A lot of stress in the mortgage process doesn’t come from the mortgage itself - it comes from poor planning, missed details, and finding out important information when everyone’s already under pressure.

That’s not how I work.

I ask a lot of questions early because I’d rather know everything upfront than be the broker calling you three days before closing saying, “soooooo… we have an issue” 😅

✨ Where is the down payment coming from?
✨ Is your income straightforward salary - or are we working with overtime, commission, contract work, self-employment, bonuses, or multiple jobs?
✨ Is there debt we should strategically deal with before we submit?
✨ Is the property completely straightforward - or are there details that could impact lender options?
✨ Are there moving pieces nobody has talked about yet?

Because every answer changes strategy.

And strategy matters.

For my clients, that means less scrambling, fewer surprises, and a process that feels a whole lot calmer.

For the realtors who trust me with their clients, it means knowing I’m not just taking an application and hoping for the best - I’m actively looking ahead, solving problems before they become problems, and keeping everyone informed along the way.

That’s the goal every single time ✨
📞 902-326-4505
📩 [email protected]
🌐 hmartens.ca

The PEI market is still moving 👀🏡If you’ve been waiting for a sign to start planning your next move, this is it! But wha...
05/13/2026

The PEI market is still moving 👀🏡

If you’ve been waiting for a sign to start planning your next move, this is it! But what do these numbers even mean?

The spring market is active - but it’s more balanced than the frenzy we saw in past years. Buyers have more options, sellers are still seeing movement, and strategy matters more than ever.

If you’re buying:
More inventory = more choice + a little more breathing room.

If you’re selling:
Serious buyers are still out there, but pricing and presentation matter.

If you’re just watching from the sidelines:
A pre-approval or strategy chat doesn’t mean you need to move tomorrow - it just means you’ll know your options when the right time comes 🤍

PEI, from tip to tip - I’m always happy to chat mortgages ☕✨
📞 902-326-4505
📩 [email protected]
🌐 hmartens.ca
📆 Book your meeting: https://calendly.com/hannahmartens

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8 School Street
Montague, PE
C0A1R0

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