Hazel Baptiste - Mortgage Broker

Hazel Baptiste - Mortgage Broker Rock Capital Mortgage - The Mortgage Centre | #10556 *independently owned and operated.

05/22/2026

A pre-approval confirms your maximum purchase price and protects your interest rate for up to 120 days while you look for a home.

Getting pre-approved is the most important first step in the homebuying process.

It gives you a clear boundary for your search and ensures you are ready to act when you find the right property.

Send me a message to get your pre-approval started today.

📞 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca

05/21/2026

The purchase price is just the beginning of your homebuying math.

It is important to set aside between 1.5% and 4% of the home’s price to cover closing costs.

Being prepared for these expenses ensures there are no stressful surprises on the day you get your keys.

I am available to help you estimate these costs for your next move.

📞 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca

05/14/2026

The real reason many people wait to buy is a lack of confidence in the market.

While interest rates and prices are important, the fear of making a mistake often causes the biggest delays.

Understanding the local trends and your own financial limits can help you move past the noise and make a decision that is right for your family.

I am here to help you navigate the process with clarity.

📞 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca

05/12/2026

Now is the peak time for new listings and active shoppers.

If you are planning to move this season, now is the time to get your financing in order so you can act quickly.

Let me know if you need help with the paperwork.

📞 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca

The Bank of Canada has announced its latest rate decision...👇The Bank held the key interest rate at 2.25%. The goal is t...
03/18/2026

The Bank of Canada has announced its latest rate decision...👇

The Bank held the key interest rate at 2.25%. The goal is to keep inflation close to the 2% target while supporting stable economic conditions.

For homeowners, buyers, and investors, steady rates can provide a clearer planning window while the market continues to adjust.

If you’d like to talk about what this means for your mortgage plans this year, I’m always happy to help.

📞 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca

02/06/2026

A mortgage pre-approval is not just a number.

It is based on verified information.

Lenders review your identity, income, assets, and debts to understand the full picture.

Having documents ready can make the process smoother and more accurate.

If you want help preparing before you apply, I can guide you.

📞 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca

Waiting for a sign? This might be it.Today marked the Bank of Canada’s first rate announcement of the year, with seven m...
01/28/2026

Waiting for a sign? This might be it.

Today marked the Bank of Canada’s first rate announcement of the year, with seven more to come.

Even with ongoing economic uncertainty, many experts predict first-time buyers will re-enter the market in 2026 as variable rates hold steady and prices soften in some markets.

For buyers who’ve been waiting for clarity, this could be the signal that now is the time to act.

If you want to talk through what this means for your mortgage, I can help.

📞 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca

A Bank of Canada rate hold can give borrowers room to breathe.Payments for variable-rate mortgages stay steady, but long...
12/10/2025

A Bank of Canada rate hold can give borrowers room to breathe.
Payments for variable-rate mortgages stay steady, but long-term planning still matters.

A hold is a good time to check your budget, update your goals, and make sure your mortgage still fits your life.
If you want some guidance with this, I can help.

📱 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca

BoC cuts rates: What to do next!The Bank of Canada lowered its rate to 2.5%, but fixed mortgage rates may take time to d...
09/23/2025

BoC cuts rates: What to do next!

The Bank of Canada lowered its rate to 2.5%, but fixed mortgage rates may take time to drop.

Get pre-approved and make a plan so you’re ready.
Message me to run your numbers.

📞 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca







✅ Are you paying over 5.49% in interest rate? ✅ Is your mortgage not up for renewal yet?✅ Do you need your monthly payme...
06/26/2025

✅ Are you paying over 5.49% in interest rate?
✅ Is your mortgage not up for renewal yet?
✅ Do you need your monthly payment lowered?
✅ Do you need some cash without refinancing?

If you said yes to all 4, reach out to me so I can run the numbers to see transferring your mortgage to another lender now makes sense.

📞 416-998-4293
📩 [email protected]
🔗 www.hazelbaptiste.ca

Address

7-75 First Street
Orangeville, ON

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