Mortgages By Moran

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Mortgages By Moran

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More than just a Mortgage, a strategy for whats next 🏡

10/30/2026

Happy closing day to my amazing clients, Madi & Kief! 🏡 This is why I love what I do!

Thank you for your kind words and for trusting me with such an important milestone. It’s been a privilege to be in your corner, and I’m so excited for you as you begin this next chapter.

Wishing you so much happiness in your new home! 🤍

10/28/2026

The Bank of Canada increased its policy rate by 0.25 percentage points today, bringing it to 2.50%.

What does this mean for your mortgage?

• Variable mortgages and HELOCs: Rates generally respond to lender prime-rate changes. The timing and impact on your payments depend on your lender and mortgage structure.
• Existing fixed mortgages: Your rate stays the same throughout your term. New fixed-rate offers are influenced by bond yields and don’t automatically move with today’s announcement.

If you’re buying, approaching renewal, or reviewing your current mortgage, let’s look at the numbers together and build a plan that fits your budget.

Samantha Moran
The Mortgage Advisors LIC 11947
Mortgage Agent Level 2 | M20000024
☎️| (613) 862-6258
📧| [email protected]
🛜|https://www.mortgageweb.ca/SamanthaMoran

10/13/2026

A little unexpected recognition! 🥰 Thank you to whoever nominated Mortgages by Moran—it means so much to know my work has made a difference.

If you’d like to add a nomination, you can do so below. I’m grateful for the clients, referrals and community support that keep my business growing.

https://canadianchoiceaward.ca/nominations/?shareurl=Kwkub3yOuqJZVamtFhkV

10/10/2026

This Thanksgiving, extra gratitude for whoever bought the groceries—and whoever’s doing the dishes. 😂🧡

But most of all, for the people who make us feel at home.

To my clients and referral partners: thank you for trusting me, recommending me, and making me part of your journey. Your support means so much to me.

Wishing you a weekend filled with good food, a little laughter, and time with your favourite people. Happy Thanksgiving! 🍂 💐 🦃

Samantha Moran
The Mortgage Advisors LIC 11947
Mortgage Agent Level 2 | M20000024
☎️| (613) 862-6258
📧| [email protected]
🛜|https://www.mortgageweb.ca/SamanthaMoran

09/30/2026

Behind every application is usually something bigger — a first home, a growing family, a separation, a refinance to create some breathing room, a move that needs to happen, or sometimes a financing puzzle that doesn’t fit neatly into a lender’s box.

My job isn’t simply to find a mortgage.
It’s to understand the whole picture, know which questions to ask, build the right strategy, and make sure my clients understand their options before making a decision.
Sometimes the answer is straightforward. Sometimes we have to get creative. And sometimes the best advice is to wait, restructure, and come back stronger.

That’s the part of this job I love most. 🤍

If you’re thinking about buying, refinancing or approaching a renewal, you don’t need to have everything figured out before reaching out. That’s what I’m here for.

Samantha Moran 🏡
The Mortgage Advisors LIC 11947
Mortgage Agent Level 2 | M20000024
☎️| (613) 862-6258
📧| [email protected]
🛜|https://www.mortgageweb.ca/SamanthaMoran

09/17/2026

Apparently “mortgage agent” now includes a side quest: helping my clients get their house sold. 😂🏡

📍 102 Patchell Place | eQuinelle, Kemptville
💰 $599,000

Golf, pickleball, walking trails… and a home worth putting on your must-see list.

Lauren handles the showing. I help you explore the financing. You just need to picture yourself here. 😉

Know someone looking? Send them this before I get too comfortable making house-tour videos.

🔑 Viewings & listing details: Lauren Kirkham, RE/MAX Boardwalk | 613-818-7111

https://www.realtor.ca/real-estate/30138315/102-patchell-place-north-grenville-803-north-grenville-twp-kemptville-south

Samantha Moran
The Mortgage Advisors LIC 11947
Mortgage Agent Level 2 | M20000024
☎️| (613) 862-6258
📧| [email protected]
🛜|https://www.mortgageweb.ca/SamanthaMoran

Financing example in video is illustrative only, subject to qualification, lender approval and rate changes. Club amenities may require membership or fees.

09/10/2026

Everyone wants to go back to the ’80s…
Life was simpler:
-The hair was bigger.
-The shoulder pads were aggressive.
-Nobody knew what an algorithm was.

But mortgage rates? Ohhhh, those can stay in the ’80s. 😂 While we love to complain about rates today, Canadians buying or renewing a home in the early ’80s were dealing with mortgage rates that climbed into the high teens and, at points, around 20%+.
So yes — bring back the neon, the scrunchies, the landlines and apparently my fluorescent green power suit…
But we’ll leave the ’80s mortgage rates exactly where they are. ✌️
Today’s mortgage market has its own challenges, but perspective matters — and so does having someone who can help you navigate the options, not just quote you a rate.

Same great service. Just cooler. 😎

09/03/2026

Yesterday, the Bank of Canada held its overnight rate at 2.25%.

No cut. No increase.

But there’s a little more going on behind that headline;

Canada’s economy has shown some strength, while inflation remains a concern — particularly with higher energy costs and continued uncertainty surrounding U.S. tariffs and global events.

So if you were waiting for a clear signal that rates are heading down quickly… we don’t have one yet.

What does this mean for your mortgage?
🏡 Variable-rate mortgage or HELOC?
No change as a result of yesterday’s Bank of Canada decision.

🔑 Shopping for a home?
Don’t assume waiting for a Bank of Canada cut automatically means a better mortgage rate. Fixed rates follow the bond market, not the Bank of Canada directly.

📆 Renewing in the next 6–12 months?
Start planning early. There’s a lot more to a renewal strategy than accepting the rate in the letter your bank sends you.

💰 Carrying higher-interest debt?
This is also a good time to look at your overall financial picture and determine whether restructuring makes sense — not just chase the lowest mortgage rate.

My takeaway?

We’re still in a market where strategy matters.

I wouldn’t make a mortgage decision based on trying to perfectly predict the next Bank of Canada move. I’d make it based on your numbers, your timeline and what gives you the right combination of payment, flexibility and risk.

📌 NEXT BANK OF CANADA ANNOUNCEMENT: OCTOBER 28, 2026

That announcement will also include a new Monetary Policy Report, giving us an updated look at the Bank’s outlook for inflation and the Canadian economy.

Between now and then, I’ll be watching the data — and, of course, the bond market for what it could mean for fixed mortgage rates.

Not sure what yesterday’s announcement means for you?

Send me a message. I’m happy to run the numbers.

Mortgage Minute with Moran 🏡

Samantha Moran
The Mortgage Advisors LIC 11947
Mortgage Agent Level 2 | M20000024
☎️| (613) 862-6258
📧| [email protected]
🛜|https://www.mortgageweb.ca/SamanthaMoran

08/24/2026

Waiting for mortgage rates to drop? You may want to rethink that strategy.

The Bank of Canada is currently holding its overnight rate at 2.25%, but that doesn’t mean mortgage rates are standing still.

The next Bank of Canada rate announcement is September 2, 2026, so we’ll be watching closely to see whether the Bank continues to hold or signals a change in direction.

Here’s the important part: Fixed mortgage rates don’t move directly with the Bank of Canada. They’re largely influenced by the bond market, and bond yields have been under upward pressure lately — meaning fixed mortgage pricing can move higher even when the Bank of Canada doesn’t raise rates.

So, what does this mean for you?

If you’re:
• Renewing in the next 6–12 months
• Actively house hunting
• Carrying higher-interest debt
• Considering a refinance
• Already pre-approved but haven’t purchased yet
Now is a good time to review your numbers. Not necessarily because you need to make a move today, but because you should understand your options before the market makes the decision for you.
And remember — the lowest rate isn’t always the best mortgage. Term, penalties, prepayment privileges, flexibility and your longer-term plans all matter.

📩 Mortgage coming up for renewal? Send me your current balance, rate and renewal date and let’s take a look at your options before you simply sign your lender’s renewal offer.

Mortgage Minute with Moran 🏡
Know your numbers. Know your options.

Samantha Moran
The Mortgage Advisors LIC 11947
Mortgage Agent Level 2 | M20000024
☎️| (613) 862-6258
📧| [email protected]
🛜|https://www.mortgageweb.ca/SamanthaMoran

08/05/2026

Your bank has already calculated what’s best for them.

I’ll calculate what’s best for YOU.

Whether you’re renewing, buying, refinancing, or simply exploring your options, I’ll review your situation and explain the pros and cons—so you can make an informed decision.

Book a complimentary mortgage strategy consultation today.

Samantha Moran
The Mortgage Advisors LIC 11947
Mortgage Agent Level 2 | M20000024
☎️| (613) 862-6258
📧| [email protected]
🛜|https://www.mortgageweb.ca/SamanthaMoran

Address

Ottawa, ON
K2B0A1

Telephone

+16138626258

Website

https://www.mortgageweb.ca/SamanthaMoran

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