Samantha Knight, Mortgage Agent Level 1

04/17/2026

Thinking about buying a home or refinancing your current one? 🏠
Now is a great time to explore your options and make sure you’re getting the best deal possible.

Whether you’re a first-time buyer, looking to upgrade, or want to lower your monthly payments, I’m here to help guide you every step of the way. ✨

Message me anytime to get started 📲

02/10/2026

Buying a home isn’t just about the down payment 👀
Closing costs usually come up at the very end — and they can surprise people.

Here’s what to know:
• Typically 1.5–4% of the purchase price
• Includes things like legal fees, land transfer tax, title insurance, and adjustments
• Some costs can be planned for… others depend on timing and location
• A good mortgage strategy helps you avoid last-minute stress

The goal isn’t just getting the keys — it’s closing with confidence 🏡
If you’re planning to buy, knowing these numbers early makes all the difference.

02/02/2026

How much money do you really need to buy a home? 🏡💰

Most people think you need tens of thousands saved before you can even think about buying, but that’s not always true.

👉 Down payment options can start much lower than you expect
👉 Some costs are rolled into the mortgage
👉 And the right strategy matters more than a massive savings account

The real question isn’t “Do I have enough money?”
It’s “Do I know my options?”

If you’re renting and wondering whether homeownership is actually closer than you think… it probably is.

💬 Curious what the real numbers look like? Let’s talk.

01/29/2026

01/19/2026

Banker or Broker - who's actually better? 🤔

Lets clear this up ⬇️

🏦A BANKER
✔️Works for ONE bank
✔️Can only offer their bank's products
✔️Rates & approvals are limited to that single lender

🤝A MORTGAGE BROKER
✔️Works for YOU, not one bank
✔️Shops multiple lenders (banks, credit unions etc.)
✔️Finds the best rate, terms, and strategy for your situation
✔️Helps with self-employment, bruised credit, refinancing, and renewals

💡The biggest difference?
A banker sells you their product. A broker helps you choose the right solution.

Thinking of buying, renewing, or refinancing?
Message me and let's compare your options - no pressure, just clarity. 🏡✨

01/08/2026

📣 Rate Update – January 7, 2026
Prime rate sits at 4.45%, and lenders are staying competitive.
With fixed and variable rates tightening, this could be a great window to review your options—whether you’re buying, renewing, or refinancing.

Questions about which rate makes sense for you? Let’s chat.

12/25/2025

Merry Christmas 🎄

12/16/2025

Inflation is holding steady around 2% — which is good news.

Prices overall aren’t rising much faster, especially for things like housing and travel, and that’s keeping the Bank of Canada on pause with interest rates for now.

The not-so-great news? Groceries are still expensive. Food prices jumped again in November, with beef and coffee being two of the biggest drivers.

The big picture:
• Inflation is cooling overall
• Interest rates are likely staying put for the foreseeable future
• Housing activity is still slow, especially in Ontario
• Food costs remain the biggest pressure on household budgets

Bottom line: inflation is easing enough that the Bank of Canada doesn’t need to rush into changes — but everyday costs at the grocery store are still being felt.

12/09/2025

Unlock your dream home today! 🏡✨
Whether you’re buying your first place or upgrading to your forever home, we make the process simple, stress-free, and tailored to you.
Let’s open the door together. 🔑💙

12/03/2025

Check out my free mortgage app. It includes everything you need to estimate your home ownership costs. You can also reach me at 249-385-5898 or [email protected]

Better rates, faster approvals, smoother closings.