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Jamie Small, Mortgage Broker

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Ottawa, ON
Jamie Small, Mortgage Broker

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Ottawa mortgage broker since 2008.

Jamie leads an experienced team delivering customized solutions, exceptional service, and a seamless mortgage experience from start to finish.

10/31/2026

Your mortgage renewal letter arrives...The rate looks reasonable...The pen is right there. What could go wrong? 😬

Maybe nothing. But before you sign, check whether the rate, payment and terms still fit your life. You might have better options than the one that showed up in your mailbox.

The truly scary move? Signing without looking. 👻

Renewing soon? Send me a message and we’ll review your options together.

📧 [email protected]
📲 613-797-1929

🎃 Happy Halloween, ! Wishing everyone a safe and fun night of trick-or-treating. 🍬

10/29/2026

🏡 Your home has built equity. That doesn’t automatically mean you should use it.

The better place to start is with the goal.

Will borrowing help you reduce more expensive debt? Create an opportunity for additional income? Make an investment that supports your longer-term plans? Help your family without putting your own financial future at risk?

💡 Home equity can be a powerful financial tool, but only when the borrowing has a clear purpose and fits into the bigger picture.

Before looking at how much equity you can access, let’s look at what you want that money to accomplish and what it could mean for your mortgage over time.

Our team broke down some of the options in our blog 👉 Strategic Ways to Use Equity: https://www.jamiesmall.com/index.php/blog/post/330/think-before-you-borrow-strategic-ways-to-use-home-equity

Have questions about what could make sense for you? Let’s talk.

📧 [email protected]
📲 613-797-1929

10/28/2026

📈 Bank of Canada raises rates for the first time since July 2023

Today the Bank of Canada increased its rate by 0.25%. Here's what you need to know 👇

Why the increase?
Inflation has climbed from 2.3% at the start of the year to 3.1% in September, driven almost entirely by higher oil, gasoline and diesel prices.

What does it mean for your payments?
About $14 more per month for every $100,000 of mortgage balance. Not a big change for most households.

Should you lock into a fixed rate?
Every situation is different, but for most people, probably not. Here's why:
🔹 Switching to fixed usually means an immediate rate jump, often 1% or more
🔹 Rates move in cycles, and periods of rising rates are typically followed by periods of falling rates
🔹 Converting now means paying more right away AND missing out when rates come back down.

I break it all down in the video above. 🎥

Have questions about your own mortgage? Send us a message or give us a call today. We're always happy to walk through your options. 💬

10/27/2026

A rental property doesn’t have to increase dramatically in value to make a meaningful difference to your return.

When you finance a purchase with a mortgage, you’re investing a portion of the property’s value while benefiting from appreciation on the whole property. That’s the power of leverage. ✨

👉 Add potential rental income and mortgage paydown, and there are several ways an investment property can build wealth over time. But leverage can also amplify losses, and your actual return will depend on factors like expenses, financing costs and market conditions.

I break down the numbers in my latest blog, the Power of Leveraged Investing: https://www.jamiesmall.com/index.php/blog/post/332/the-power-of-leveraged-investing-how-leverage-turns-a-4-gain-into-a-20-return

🏡🏡 Thinking about an investment property? Reach out to our team and we’d be happy to review the numbers and financing options with you.

📧 [email protected]
📲 613-797-1929

10/21/2026

🏠 What if you could change how your mortgage debt is structured without giving up your investment plan?

That’s the idea behind a debt swap. If you hold investments in a non-registered account, the strategy generally involves selling them, using the proceeds to pay down your mortgage, then borrowing to purchase eligible investments. 🔄

When it’s set up correctly, interest on the new investment borrowing may be tax-deductible. But the details matter. Selling investments can trigger capital gains tax, and borrowing to invest carries risk.

👉 Swipe through for the basic steps, then read the full blog for a closer look at who the strategy may suit, why registered accounts don’t qualify, and what to review with your mortgage broker, tax professional and financial advisor before making a move.

📖 Read “The Debt Swap Strategy: Turn Your Mortgage Interest into a Tax Deduction” on our blog.: https://www.jamiesmall.com/index.php/blog/post/331/the-debt-swap-strategy-turn-your-mortgage-interest-into-a-tax-deduction

[email protected]
613-797-1929

10/20/2026

Just wrapped up a couple of great days at this year’s Mortgage Professionals Canada Conference in Calgary!

This is an event I look forward to every year. It’s a great opportunity to reconnect with our valued lender partners, learn from industry leaders, exchange ideas with fellow mortgage professionals, and gain valuable insights into the ever-changing mortgage landscape.

Aside from the great conversations, it’s an opportunity to stay informed, continue learning, and bring fresh ideas and knowledge back to our clients.

The mortgage industry is always evolving, and staying connected and educated is an important part of ensuring we continue to provide the best possible advice and service to those who put their trust in us.

A big thank you to Mortgage Professionals Canada, the speakers, sponsors, and everyone who helped make this another fantastic event!

10/17/2026

The next Bank of Canada rate announcement is October 28.

👀 Here’s what to watch before then.

The Bank is weighing two competing forces: inflation pressures that could push rates up, and a potential economic slowdown that could pull them down.

What's driving rates right now?

🛢️ Oil prices affect everything from transportation to groceries. Sustained increases can add to broader inflation.

📈 Inflation expectations influence bond yields, which help determine fixed mortgage rates.

🌎 US tariffs on Canadian goods could weaken economic activity, adding another challenge to the Bank’s decision.

What does this mean for fixed rates?

Fixed rates closely follow bond yields, so they can change before October 28, regardless of what the Bank ultimately decides.

What about variable rates?

Variable rates generally follow your lender’s prime rate, which is influenced by Bank of Canada decisions. Depending on your mortgage, a change could affect your payment or how much goes toward principal.

📅 Dates to watch:

• October 28: Next Bank of Canada rate announcement
• December 9: Final rate announcement of 2026

💬 Buying, renewing or considering a switch? You don’t have to wait for the announcement to review your options.

Let’s build a strategy that fits your budget and goals.

📧 [email protected]
📲 613-797-1929

10/15/2026

🏡📈 A rental property’s price growth only tells part of the investment story.

When you borrow to buy, that growth is measured against a smaller amount of your own cash. That’s the power of leverage, and why understanding the financing matters just as much as choosing the property.

In my latest blog, I walk through a practical example, explain where potential returns come from, and cover the risks you need to consider. Because leverage can magnify losses, too.

👉 Read The Power of Leveraged Investing: https://www.jamiesmall.com/index.php/blog/post/332/the-power-of-leveraged-investing-how-leverage-turns-a-4-gain-into-a-20-return

10/13/2026

🏡 New to Canada and thinking about buying your first home here? You don’t have to figure out the mortgage process on your own.

Here’s how our team can help:

✅ Understand your situation and identify lenders and programs that may fit
✅ Gather the right documents before you apply
✅ Compare mortgage options from multiple lenders
✅ Answer your questions and advocate for you through the process

You’ve already made one of the biggest moves of your life. 👉 When you’re ready to explore the next one, let’s talk.

📧 [email protected]
📲 613-797-1929

🇨🇦 Our newcomer homebuying guide is a good place to start: https://www.jamiesmall.com/index.php/blog/post/329/new-to-canada-heres-what-you-need-to-know-about-buying-your-first-home

10/13/2026

📊 September brought an interesting shift to Ottawa’s housing market.

After August’s sharp slowdown, sales essentially held steady rather than falling again. But at the same time, significantly more homes came onto the market than we would normally expect at this point in the year. 🏡

For buyers, that combination matters. 👉 More choice and slower absorption can mean more time to consider your options and potentially more negotiating room, rather than feeling pressured to make a quick decision.

But more choice doesn’t automatically make a home more affordable. Your interest rate, down payment, qualification amount and monthly carrying costs still determine what makes sense for your budget.

💬 If you’re considering buying this fall, reach out to our team. We can run the numbers, explore your mortgage options and help you build a plan around your financial goals.

📧 [email protected]
📲 613-797-1929

Address

500-2725 Queensview Drive
Ottawa, ON
K2B0A1

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Telephone

+16137971929

Website

http://www.JamieSmall.com/

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