Emanuelle Delaney

05/26/2022

💥 IT’S CLOSING DAY 💥

Working with first time homebuyers is always so rewarding. Seeing them overjoyed by a simple approval and a key exchange is really what makes these transaction special.

Thank you to for helping our mutual client find his first home in a tough market and trusting me with the financing - team work makes the dream work!

Here’s to always finding the right mortgage & getting things done right for our clients!

05/18/2022

👏🏻 Another happy client 👏🏻

As a first time home buyer, there’s nothing worse than being told what to do without explanation, or just simply being confused without getting real answers to your *normal* questions…

I’ve said it before, and I’ll say it again- education is 🔑! There’s so much information out there. Yes, it may be overwhelming but having someone to really break it down and simplify it makes a world of a difference!

And that’s my promise to every client 🤩

I promise to do everything in my power for you to leave this experience more comfortable, knowledgeable and at ease!

For a seamless, easy to understand, educational application process, you know who to contact 👩🏻‍💻

04/15/2022

🌼🐣🐰 Happy Good Friday All 🐰🐣🌼

Wishing you all a great long & relaxing weekend !

A few key announcement regarding my availability over this Easter weekend..

Today- lenders are CLOSED, however I am available for questions and select client meetings 🌼

Saturday & Easter Sunday - I will be unavailable 🌼

Monday - back to regular programming 🌼

🤍 Thank you for your understanding & Hoping you all get to spend quality time with those close to you 🤍

04/06/2022

💥PART 2 of why people are choosing a variable rate mortgage💥

F L E X I B I L I T Y - how important is it to you? 🧐

Let me ask you this-how many times has your life significantly changed over the last 3-5 years? Most of us will say 2+ times…

Significant changes = relocations, employment changes, increase or loss of income , addition or loss of a family member, need for major Reno’s, need for debt consolidation etc.

A real estate property is one of the first places homeowners turn to for “relief” or to finance big projects, whether this means selling off the property (if said homeowner has more than one-lucky duck) or refinancing the property to access its equity.

Each of those options will trigger penalties if the mortgage term is not up for renewal/ over.

The main difference btween a variable rate mortgage & a fixed rate mortgage is the way the penalty is calculated.

Fixed rate mortgage Penalties = 3 months interest (only applies if you have 3 months left in your mortgage term) or the Interest Rate Differential (IRD)

The IRD is determined by a complex formula that takes into consideration your current rate & the discount* you received on the day you signed the contract, the amount of months left in your term, and the remaining balance on your mortgage.

Variable rate mortgage penalties - 3 months interest

Now that you know the difference, swipe to slide 4-5 for a comparative example.

If a homeowner needed to refinance or sell off their property 2 years prior to the end of their term & they had chosen;

1) a 5 year fixed mortgage at a rate of 3.69% with an initial 1% rate discount (this will fluctuate from case to case), they would pay just shy of $13,000 in penalties. 🤯🥵🤬😭

Or

2) a variable rate mortgage priced at prime- 1.10% (today, prime = 2.70%), they would pay $2000 😅

Crazy big difference that could mean so much more money in your pocket!

For more on how I can help you save on your next mortgage, contact me today!

*Disclaimer-this example is only to be used for reference purposes. rates and discounts used in example are always subject to change*

03/14/2022

And we have another happy & informed client 😊

I’m always so excited to hear that my clients not only get to walk away from the experience happy but also feeling like nothing was left to question! It feels oh so good !!

In my own buying experience, I remember having an enormous amount of questions. I didn’t know anything! I needed someone to guide me through it all, all while educating me on all the real estate nuances- it made a world of a difference and it stuck with me.

That’s why I strongly believe in a transparent and honest process 💥

I let my clients choose what’s best for them based on the information & knowledge I provide. It leaves out all the doubt and guess work & promotes trust!

Who else strongly believes in educating to promote informed decision making? 🙋🏻‍♀️

02/16/2022

Home prices continue to reach record highs! Here’s why;

Demands keeps growing and inventory is at an all time low- there would need to be a massive shift in available homes to make a significant shift.

Housing starts continue to drop off, meaning more and more firs time homebuyers are waiting to get into the market.

Interest rates- the delay in crease by the BOC is creating a need for a larger increase to really affect the market.

Read, Like, share, comment what you think!

With housing inventory still at historical lows, home prices surged to a fresh record high in January.

12/13/2021

12/13/2021

🧸 CHEO CHRISTMAS TOY DRIVE 🧸

Details on our event below;

✨ WHEN: SAT DEC. 18th
✨ TIME: 12-4PM
✨ WHERE: 430 Hazeldean Rd

What to bring;

✨ New, Unwrapped Toys
✨ Teddy Bears
✨ Gift Cards

🎟 We’ll also be running a live 50/50 draw & a Senators Jersey Raffle! All proceeds will be going to our monetary pool!

If you can’t make it but still want to donate, please find the link to our CHEO Foundation page to make a monster donation!

🎁🧸Come join us for some holiday cheer, hot chocolate & treats 🧸🎁

12/03/2021

Check it out!!

❄️ COME ONE, COME ALL ❄️

Join myself and for some hot coco, holiday treats and cheer for the 2021 Ottawa CHEO Christmas Toy Drive.

When: Saturday, December 18th
Where: RE/MAX Boardwalk Office, Kanata ON
Time: TBD

Toy & monetary donations all welcome! We will also be holding a silent auction for 3 Ottawa Senators Jerseys! Of course, all proceeds will be donated to the CHEO foundation 🎁

For those of you that are unable to attend the event but still want to participate, follow this link to see how you can donate!

https://cheofoundation.donordrive.com/campaign/2021-Ottawa-CHEO-Christmas-Toy-Drive

Looking forward to meeting and celebrating with you all & thank you in advance for your help in bringing some extra joy to kids in need this holiday season ✨