Gen Côté - Mortgage advisor

Gen Côté  - Mortgage advisor Residential Mortgage Advisor at CIBC

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This is hands-down my favourite part of the entire flip — and ironically, the part that took the longest to complete (of...
09/25/2025

This is hands-down my favourite part of the entire flip — and ironically, the part that took the longest to complete (of course).

We didn’t play it safe. No “just make it white and call it a day” vibes here.
We went textures, patterns, colours — because bathrooms make the space. Period.

✨ Highlights:
✔️ That wood-look tile on the back wall of the main bathroom? Obsessed.
✔️ Separated the toilet — because privacy while showering shouldn’t be optional 🚪
✔️ The basement bathroom? All black everything. It stands on its own (in the basement we dug, yes, on our very first flip. Who does that? We do.)

And if you haven’t caught on yet — we don’t renovate for “what if tenants don’t like it?”
We design with character, soul, and guts.
Colour. Pattern. Texture. Always.

⚠️ Don’t wait until the last 30 days to deal with your mortgage renewal.Start 3–4 months early to:✔️ Lock in a rate up t...
08/21/2025

⚠️ Don’t wait until the last 30 days to deal with your mortgage renewal.

Start 3–4 months early to:
✔️ Lock in a rate up to 120 days ahead
✔️ Protect yourself if rates rise
✔️ Shop around without pressure

👉 If you switch lenders, remember: you’ll need a notary, and they ask for instructions 2 weeks before closing.

You know how they say everyone ends up in the kitchen?This space sits smack between the dining and living room — which m...
08/05/2025

You know how they say everyone ends up in the kitchen?

This space sits smack between the dining and living room — which means when you’re cooking, you’re still in the convo, the playlist, and the wine pour. 🙌

✨ Design highlights:
✔️ A bold quartz island front and center — long, clean, and textured just right
✔️ Tons of storage (because no one ever says “I wish I had less cabinetry”)
✔️ Neutral tones with contrast to keep things modern but warm
✔️ Open layout = no one’s stuck in a corner stirring solo

From hosting game nights to Sunday breakfasts, this kitchen is built to live in — and we’re obsessed with how it turned out.

Refinance or renewal — tomato tomahto? 🍅Not quite.When your mortgage term ends, you’ve got options. A renewal is like hi...
05/09/2025

Refinance or renewal — tomato tomahto? 🍅

Not quite.

When your mortgage term ends, you’ve got options. A renewal is like hitting “next chapter” with the same bank. A refinance is rewriting the whole story.

Want to know which one makes sense for you?
drop a comment below!

Refinance or renewal — tomato tomahto? 🍅Not quite.When your mortgage term ends, you’ve got options. A renewal is like hi...
05/09/2025

Refinance or renewal — tomato tomahto? 🍅

Not quite.

When your mortgage term ends, you’ve got options. A renewal is like hitting “next chapter” with the same bank. A refinance is rewriting the whole story.

Want to know which one makes sense for you?
drop a comment below!

My month of April was all about financing deals and the south of Portugal. 🌅🫶🏼                                          ...
05/07/2025

My month of April was all about financing deals and the south of Portugal. 🌅🫶🏼

Other buyers don’t want you to know this.⬇️The market is back in action and that means the property you want might have ...
12/04/2024

Other buyers don’t want you to know this.⬇️

The market is back in action and that means the property you want might have multiple offers - the audacity 🤌🏼.

I’ve shared with you my trick to speed up your approval process from the pre-approval to your notary’s appointment. 🏦

Here’s the crash course 101 on the interest rate that no one asked for. ⬇️⬇️Fixed mortgage rates aren’t driven by the Ba...
10/28/2024

Here’s the crash course 101 on the interest rate that no one asked for. ⬇️⬇️

Fixed mortgage rates aren’t driven by the Bank of Canada!

Instead, they’re influenced by government bond yield, capital market and bank competition. It’s the variable rates that track the Bank of Canada’s move. 📉🏦

When the BoC lowers it's policy rate by 0.25% or 0.50%, variable mortgage rates and bank prime rates also decrease by 0.25% and 0.50%.

Before you sign, know this: Step 2 in the mortgage process is a game-changer. Let’s break it down! ⬇️Step 2 is crucial b...
10/08/2024

Before you sign, know this: Step 2 in the mortgage process is a game-changer. Let’s break it down! ⬇️

Step 2 is crucial because it involves gathering all the necessary documentation and exploring your options before making any commitments. By doing this early, you’re:

Prepared to Act Quickly: When you find the right property, you won’t scramble to get documents together, which could delay your application.

Understanding Your Options: By exploring various lenders and mortgage products early on, you can secure better rates and terms tailored to your financial situation.

Avoiding Surprises: Prepping in advance helps uncover any potential issues, like credit problems or missing paperwork, that could delay or jeopardize your mortgage approval.

Strengthening Your Negotiating Position: Sellers are more likely to take your offer seriously if you’ve already been proactive with your financing.

This step will set you up for a smoother, faster mortgage process and ensure you’re in the best position to make an offer. ⛵️

The reviews are in.🌟🌟🌟🌟🌟
09/20/2024

The reviews are in.🌟🌟🌟🌟🌟

Sliding into the weekend, with our spirits high. What’s is your plan over the weekend? 💭Slide to find mine ⏭️
05/03/2024

Sliding into the weekend, with our spirits high. What’s is your plan over the weekend? 💭

Slide to find mine ⏭️

Address

Montreal, QC

Telephone

+15148655980

Website

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