The Mortgage Centre - Tracy Irwin

03/18/2026

We're running for Rachael and you can too! For 14 years Running For Rachael has advanced the work of su***de prevention in Hamilton – and we’re proud of it! Last year, we raised $33,293.21 and cheered on nearly 300 participants. We want you to know, every dollar raised supports hope, help and healing in our community. This year, our goal is 350 participants! Here's how you can become part of our team!

https://www.tracyirwinmortgages.com/blog_post?id=2584

03/11/2026

There's a vintage colloquialism about cookies crumbling. Know it? That often happens to home-buyers... their confidence crumbles at closing. Here's how to keep your cookies and confidence intact:
https://www.tracyirwinmortgages.com/blog_post?id=2570

01/14/2026

Are you living the dream of self-employment? When it comes to mortgage renewal time, you may be in for a shock!
https://tracyirwinmortgages.com/blog_post?id=2517

11/10/2025

Want to know what's really hurting first-time homebuyers? If you've been feeling the squeeze, you're not alone! https://tracyirwinmortgages.com/blog_post?id=2493

09/17/2025

Every parent wants the best for their child, right? But co-signing a mortgage can be tough love for both parent and child. Experts warn the risks can be long-lasting, affecting debt capacity, retirement plans, and even family relationships! Watch out for pitfalls. Learn more... https://tracyirwinmortgages.com/blog_post?id=2454

06/25/2025

Won the lottery lately? Receive a tax refund? Enjoying a pay bump? Today's moment of mortgage mindfulness talks about what you can do with extra cash. It's not what you think!
https://tracyirwinmortgages.com/blog_post?id=2423

05/28/2025

Time's a wastin! The early bird registration fee for Running For Rachael 2025 will be leaving the nest on June 30. What's Running For Rachael? It's all right here! You can also see what Sid and I have been doing! Get the scoop, the whole scoop, and nothing but the scoop here: https://tracyirwinmortgages.com/blog_post?id=2415
***deprevention ***depreventioncommunitycouncilofhamilton

This year's Running For Rachael goal is 300 participants. Please help us continue to make meaningful changes in our community. Thanks to you, we raised $40,862.44 for this worthy cause last year. Here’s how you can help:Read Rachael’s Story...

05/23/2025

There's a new trend in town... low appraisals. Mortgage professionals are seeing home sale prices that aren’t supported by comparable sales. This is happening more frequently and not only in areas where there are bidding wars pushing offers above what lenders consider “fair market value.” Here's how you can stay ahead of the curve! https://tracyirwinmortgages.com/blog_post?id=2414

03/18/2025

Mortgage Matters: A New Frontier - Ooops - corrected link! - https://mailchi.mp/e8838eff14c1/are-you-stressed-out-by-mortgage-stress-tests-18103080

03/18/2025

Last week the Bank of Canada announced its key interest rate cut of 25 basis points to 2.75 per cent, while 25% tariffs were introduced overnight by the U.S. on steel and aluminum products coming from Canada. Curious about how all this will affect your mortgage? https://tracyirwinmortgages.com/blog_post?id=2383

01/15/2025

You're going to love these free and easy calculators for mortgage comparisons, mortgage qualifiers, mortgage loan calculators, and more - on my new website. Don't let mortgages mesmerize your mind.

Mortgages can be mind-boggling. That’s why my snazzy new website features six free calculators to help you research and plan your mortgage. You can learn more about your existing mortgage, or if you’re ready to leap to home ownership, determi...