Daren Sedore Mortgage Agent

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Ottawa, ON
Daren Sedore Mortgage Agent

With over 10 years of experience, I help you find the best mortgage solution for your needs!

10/28/2026

Big news this morning — the Bank of Canada just raised its overnight rate by 25 basis points, and if you're carrying a variable-rate mortgage, you're probably already asking what this means for your payments.

Here's a helpful number to put things in perspective: a 25 basis point increase adds roughly $56/month on a $400,000 variable-rate mortgage. That might not sound like much on its own, but with inflation projections staying elevated into 2027 and the next rate announcement coming December 9, 2026, now is the time to get ahead of it — not react after the fact.

Whether you're on a variable rate, coming up for renewal, or thinking about buying in Ottawa's shifting market, I'd love to have an honest conversation with you about your options. No pressure — just real numbers and real advice.

What questions do you have about today's announcement? Drop them below and I'll do my best to help! 👇

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

10/21/2026

Ottawa's fall market is giving buyers something they haven't had in a while — real options and real negotiating power. With new listings up over 38% last month and more than 4,800 active listings, there's more to choose from than we've seen in years.

But here's what I always tell people: having choices only works if you're ready to act when the right home comes up. That's where a pre-approval makes all the difference. It can lock in today's rate while you take your time shopping — and with talk of fixed rates climbing before year-end, that timing matters more than people realize.

If you've been waiting for the right moment to jump in, this fall might honestly be it. I'd love to help you figure out what you qualify for and put together a game plan that actually works for your situation. Drop a comment or send me a message anytime!

What's holding you back from getting pre-approved?

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

10/14/2026

Fall in Ottawa might just be the best time to go neighbourhood hunting. 🍂 There's something about the quieter streets and turning leaves that gives you a real, honest feel for a place — without the spring market chaos.

Westboro, Hintonburg, Barrhaven, the Glebe — every neighbourhood has its own story, and fall is the perfect season to read it. If you're out touring homes right now and wondering how the financing piece fits together, that's exactly where I come in.

Whether you're a first-time buyer or making a move, let's talk before you fall in love with a place and figure out the money part after. I'm always happy to walk through what's possible for you — just reach out!

Which Ottawa neighbourhood would you love to call home? Drop it in the comments! 👇

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

10/07/2026

Thinking about buying your first home this fall? One of the best things you can do right now is start pulling your documents together — before you even apply.

I know it sounds like a lot, but being organized makes the whole process so much smoother and less stressful. I typically ask first-time buyers to gather pay stubs, T4s, Notice of Assessment, bank statements showing your down payment, and RRSP or First Home Savings Account statements if applicable.

A few things worth knowing: the insured mortgage cap is now $1.5 million, first-time buyers can access 30-year amortization on insured mortgages, and you may be eligible for up to $4,000 back through Ontario's Land Transfer Tax Rebate.

Getting organized early means fewer surprises when it counts. What questions do you have about getting started? Drop them in the comments!

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

09/30/2026

If you've recently bought or are buying a newly built home in Ottawa, I want to make sure you're not leaving serious money on the table.

Right now, two rebate programs are running at the same time. The federal First-Time Home Buyers' GST Rebate eliminates 100% of the GST on new homes up to $1 million for eligible first-time buyers — covering agreements signed as far back as March 20, 2025. On top of that, Ontario's expanded HST rebate applies to ALL buyers on new homes up to $1 million, for agreements signed between April 1, 2026 and March 31, 2027. Combined, eligible buyers could save up to $130,000. Not a typo.

These rebates apply to new builds only, and your financing needs to be set up properly to take full advantage. Have you signed a new build agreement recently — or are you about to? Drop a comment or send me a message and let's make sure nothing falls through the cracks.

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

09/23/2026

The Bank of Canada just held its overnight rate for the seventh straight decision — and this one feels different.

Yes, the rate is holding. But the BoC is flagging upside risks to inflation, long-term bond yields have moved up since July, and two of the big banks are now forecasting rate hikes before year-end — not cuts. The next decision isn't until October 28, and between now and then, fixed and variable rates are more likely to hold steady or creep higher than drop.

So the big question I'm hearing right now: do I lock in or stay variable? Honestly, there's no one-size-fits-all answer — it depends on your situation, your risk tolerance, and when your renewal is coming up.

If your mortgage is up for renewal in the next 6–12 months, or you're thinking about buying, let's talk. What questions do you have about where rates are headed? Drop them in the comments! 👇

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

09/16/2026

Did you know there's a GST rebate that a lot of Ottawa buyers are completely overlooking?

If you're a first-time buyer who purchased a newly built home after March 20, 2025, you could be eligible to save up to $50,000 in federal GST through Bill C-4 — and if that home is in Ontario and under $1 million, the provincial rebate stacks on top. We're talking up to $130,000 in combined savings for eligible buyers here in Ontario.

The federal rebate is retroactive to March 20, 2025, so if you signed your agreement of purchase and sale on or after that date, you may need to apply directly to the CRA to claim what you're owed. Either way, you don't want to leave that money on the table.

Have you already looked into whether you qualify? Drop a comment or send me a message — I'm happy to help you figure it out.

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

09/09/2026

Honestly, if you've been sitting on the fence about buying or renewing your mortgage lately — you're not alone.

The Bank of Canada held its rate again, and with ongoing Canada-U.S. trade uncertainty, economists aren't counting on cuts anytime soon. I know that makes planning feel overwhelming. But here's something the headlines often miss: fixed mortgage rates move with bond market yields, not just the Bank of Canada's decisions. Trade uncertainty can actually push investors toward government bonds — which may pull fixed rates down even when the policy rate holds steady.

Ottawa's market is cautious right now, but cautious doesn't mean stuck. Whether you're approaching renewal or thinking about your first purchase, there are still smart moves to make.

What's your biggest question about the Ottawa market right now? Drop it in the comments — I'd love to help you cut through the noise.

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

09/02/2026

The Bank of Canada just released its rate announcement, and they're holding the overnight rate steady. With inflation still elevated and ongoing trade uncertainty with the U.S., this decision wasn't a huge surprise, but it's still important news for anyone with a mortgage or thinking about buying.

For variable rate holders in Ottawa, your payments stay where they are for now. And if you've been weighing a purchase or upcoming renewal, rate stability is actually something we can work with. It gives us a clearer picture to plan around, which is more useful than it might sound.

The next announcement is October 28, so today's hold sets the tone for the next couple of months. If you're wondering what this means for your specific situation, drop me a message and let's talk through it together.

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

08/26/2026

There's a mortgage myth going around Ottawa right now, and it's genuinely costing buyers money.

A lot of people assume that because the Bank of Canada has held its overnight rate at 2.25% six times in a row, fixed mortgage rates must be sitting low too. That's not how it works. Fixed rates are tied to Government of Canada bond yields, not the overnight rate. And with inflation concerns, higher oil prices, and global uncertainty keeping those bond yields elevated, fixed rates aren't following the BoC pause the way most people expect. Waiting around for fixed rates to drop could mean missing out on the best window you actually have right now.

Here's another thing most buyers in Ottawa don't realize yet. As of December 15, 2025, the insured mortgage threshold jumped from $1,000,000 to $1,500,000. That means if you're buying a home under $1.5 million, you may now qualify for insured rates that weren't available to you before, which can make a real difference in what you're actually paying. And the gap between what your bank is offering versus what's available through broker channels? That spread is meaningful. If you haven't compared, you're likely leaving money on the table.

If you're buying, renewing, or just trying to figure out what your options actually look like right now, let's talk. A quick conversation could save you a lot more than you'd expect.

Daren Sedore, Mortgage Agent - Level 1, Mortgage Brokers Ottawa #11759

Address

300-1701 Woodward Drive
Ottawa, ON
K2C0R4

Website

http://www.darensedore.com/

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