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Gregory Hernandez - Mortgage Broker

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Canada
Montreal, QC
Gregory Hernandez - Mortgage Broker

Professional in mortgage financing since 2008

Tailored Mortgages. Trusted Results.

09/03/2026

BoC Update: same rate, new risks.

The Bank of Canada held at 2.25% again, but behind that "no change" headline, there's a lot shifting: rising bond yields, new US tariffs, and a Q2 economy that bounced back stronger than expected.

Swipe through for the full breakdown.

Mark your calendar: the next rate announcement is Wednesday, October 28, 2026. I'll break that one down too — follow along so you don't miss it.

If you're renewing or thinking about refinancing, this is a good time to check your options before deciding anything. No pressure — just information.

To connect with me:
📞 Call: 514-515-4734
📧 Email: [email protected]
🌐 Visit: https://gregoryhernandez.ca/

09/02/2026

Bank of Canada holds its key interest rate at 2.25%.
It's not flashy news, but it means welcome stability if you're buying a home, renewing, or refinancing.
The economy is showing encouraging signs, though uncertainty remains, which is exactly why today's headline rate shouldn't be the only thing driving your decision.
Every mortgage is different. The right move depends on your goals, timeline, and financial picture, not just what the Bank of Canada announced this morning.
Curious what this means for you? Let's chat, whether you're ready to move now or just want to explore your options.

To connect with me:
📞 Call: 514-515-4734
📧 Email: [email protected]
🌐 Visit: https://gregoryhernandez.ca/

09/01/2026

Mortgage renewal coming up? Don’t just sign and move on.

* Your lender’s renewal rate may not be your best option
* You can compare rates from other lenders before renewing
* Even a small rate difference can add up over your term
* Renewal can also be a good time to review high-interest debt
* Start exploring your options before your renewal date

Don’t just renew. Take a moment to review.

To connect with me:
📞 Call: 514-515-4734
📧 Email: [email protected]
🌐 Visit: https://gregoryhernandez.ca/

08/31/2026

Thinking about refinancing your mortgage? Before you make a move, know the numbers.

-Start with your goal: lower payments, access equity, or consolidate high-interest debt.
-Check your current mortgage balance and home value.
-Understand your potential prepayment penalty before breaking your mortgage.
-Compare rates, terms, and features instead of automatically staying with your current lender.
-Remember, you’ll need to re-qualify for the new mortgage.
-Review the appraisal, commitment letter, and closing costs before signing.
-Most importantly, make sure the potential savings outweigh the costs of refinancing.

Refinancing can be a smart move, but only when the numbers make sense for you.

To connect with me:
📞 Call: 514-515-4734
📧 Email: [email protected]
🌐 Visit: https://gregoryhernandez.ca/

08/31/2026

Nice setup on this file.
We transferred the mortgage from their current bank over to Desjardins to position them for the collateral strategy — unlocking equity without touching or increasing the mortgage on their home.
Exactly how you build long‑term flexibility.

Next step?
An 8‑plex with no money down.
Making moves, one smart structure at a time.

08/29/2026

Reminder Alert!

The Bank of Canada’s next interest rate announcement is coming on 2nd September, 2026

Whether you’re currently paying a mortgage, planning to buy a home, or thinking about renewing or refinancing, this update could impact the Canadian housing and lending market.

A good reminder to stay informed and keep an eye on where rates may be heading.

To connect with me:
📞 Call: 514-515-4734
📧 Email: [email protected]
🌐 Visit: https://gregoryhernandez.ca/

08/28/2026

Renewal coming up? Don’t just stay because it’s easier.

-Switching could mean a better rate
-Staying can be simpler and more convenient
-Your current lender may not offer their best rate upfront
-Compare your options before signing
-The right choice depends on your rate, goals, and overall situation

A renewal is a chance to review — not just renew.

To connect with me:
📞 Call: 514-515-4734
📧 Email: [email protected]
🌐 Visit: https://gregoryhernandez.ca/

08/28/2026

Another case where the bank said NO, but Greg and the team said YES.
The insurer blocked the file due to issues on the property— nothing we couldn’t fix.
We restructured it as purchase + renos and matched the clients with a lender who isn’t afraid of renovation files.
Right plan, right lender, right outcome.

08/27/2026

Refinancing isn't a "always do it" or "never do it" decision, it comes down to your numbers.

Makes sense to explore if:
→ You could lock in a real drop in your rate
→ You need access to equity, and it'd cost less than a HELOC
→ Rolling your debts together would actually lower what you pay overall

Might be worth waiting if:
→ Your term's about to end anyway
→ The penalty would cancel out most of what you'd save
→ Your credit or income isn't where it was at your last approval

Bottom line: do the math before you decide. What looks like a good deal on paper isn't always one once penalties and fees are factored in.

This is general guidance, not personalized financial advice. Confirm your actual costs (penalty vs. savings) before making a move.

Want me to try a shorter, more casual version or something more formal/professional in tone?

To connect with me:
📞 Call: 514-515-4734
📧 Email: [email protected]
🌐 Visit: https://gregoryhernandez.ca/

08/25/2026

Before you buy a house, look beyond the monthly payment.

- A $400,000 mortgage at 5% over 25 years can mean nearly $300,000 in interest.
- Accelerated bi-weekly payments can help you pay down your mortgage faster.
- 26 payment periods a year can effectively add an extra monthly payment annually.
- Extra payments can reduce your interest and shorten your amortization.
- Your tax refund, bonus, or extra income could be used toward your mortgage.
- Always check your lender’s prepayment privileges before making extra payments.
- Don’t sacrifice your emergency savings or ignore high-interest debt just to pay down a lower-rate mortgage faster.

The goal isn’t just to buy a home. It’s to own it without letting the mortgage own you.

Save this for your next mortgage conversation.

To connect with me:
📞 Call: 514-515-4734
📧 Email: [email protected]
🌐 Visit: https://gregoryhernandez.ca/

Adresse

285 Place D’Youville, Unit 9
Montreal, QC
H2Y2R6

Heures d'ouverture

Lundi	9am - 5pm
Mardi	9am - 5pm
Mercredi	9am - 5pm
Jeudi	9am - 5pm
Vendredi	9am - 5pm

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https://gregoryhernandez.ca/

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