Heather Richardson Mortgages

08/31/2026

Thank you. I love helping great people!

08/25/2026

Headlines tell you what is happening in the market. Your mortgage broker helps you understand what it means for you.

Whether you’re purchasing a home, refinancing or renewing, your decision shouldn’t be based solely on what the media says rates might do next.

Your income, goals, timing, existing mortgage and comfort level are unique. The right strategy for someone else may not be the right one for you.

Market updates are helpful—but personalized advice is what helps you make a confident decision.

Before making your next mortgage move, speak with a mortgage broker who understands your full financial picture.

08/24/2026

So grateful for another amazing review!

08/07/2026

Good news for jobs—but not necessarily for lower mortgage rates.

Canada added 75,100 jobs in July, while unemployment fell to a two-year low of 6.4%.

A stronger job market gives the Bank of Canada less reason to cut rates. For homebuyers and homeowners, this could mean variable rates remain steady and fixed rates face upward pressure.

If you’re waiting for significantly lower rates before making a move, the wait may not pay off.

Read the full article at https://www.canadianmortgagetrends.com/2026/08/canadian-employment-rises-by-75100-jobless-rate-at-two-year-low/

The Canadian economy added a surprise 75,100 jobs last month while the unemployment rate hit its lowest level in two years -- the latest evidence the economy is on a recovery path.

08/06/2026

🏡 Two days left on the financing condition—and still no mortgage approval.

A recent homebuyer had been trying to secure financing through her bank, but despite her efforts, the approval wasn’t coming together. As the deadline approached, she became increasingly worried that she wouldn’t receive the approval in time—and could lose the home she had offered on.

With only two days remaining before her financing condition expired, she contacted a Mortgage Broker.

The broker quickly reviewed her situation, identified the right lender and successfully secured her approval—helping save the purchase.

This is why working with a Mortgage Broker can make such a difference.

A bank can offer you only its own mortgage products. A Mortgage Broker has access to multiple lenders and knows how to present your application to the lender best suited to your circumstances.

When time is tight, experience, lender relationships and knowing where to place the mortgage matter.

Before you make an offer—or if your bank is struggling to approve you—speak with a Mortgage Broker. The right guidance could make the difference between getting the keys and losing the home.

📩 Planning to purchase? Let’s talk before you start house hunting.

08/04/2026

Big news for my parent company!

DLCG has acquired Filogix, one of Canada’s leading mortgage technology platforms—strengthening its position as a leader in the Canadian mortgage industry.

Strong relationships. Better technology. More choice for Canadian homeowners.

What does this mean for my clients?

It means I’m backed by an organization investing in better technology, strong lender connections and reliable systems.

When you work with me, you receive personal, independent mortgage advice—backed by the strength and innovation of the DLCG network.

I’m incredibly proud to be part of this organization!

Read more about the acquisition here.
https://www.canadianmortgagetrends.com/2026/08/dominion-lending-centres-acquires-filogix-for-58-5-million/

07/30/2026

So thankful for another review from another client. Thank you, Louise.

07/20/2026

🏡 𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝗮 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗕𝗿𝗼𝗸𝗲𝗿 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗱𝗼?

As a Mortgage Broker, 𝗜 𝘄𝗼𝗿𝗸 𝗳𝗼𝗿 𝘆𝗼𝘂—𝗻𝗼𝘁 𝗳𝗼𝗿 𝗼𝗻𝗲 𝗯𝗮𝗻𝗸.

✔️ I compare mortgage options from multiple lenders.
✔️ I negotiate on your behalf.
✔️ I explain the fine print—not just the interest rate.
✔️ I recommend the mortgage that best fits your goals, not a lender's sales target.
✔️ I continue monitoring your file right through to closing and beyond.

When you walk into a bank, you're offered 𝗼𝗻𝗹𝘆 𝘁𝗵𝗮𝘁 𝗯𝗮𝗻𝗸'𝘀 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀.

When you work with a Mortgage Broker, you're gaining access to 𝗺𝗮𝗻𝘆 𝗹𝗲𝗻𝗱𝗲𝗿𝘀 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗼𝗻𝗲 𝘁𝗿𝘂𝘀𝘁𝗲𝗱 𝗮𝗱𝘃𝗶𝘀𝗼𝗿—someone whose job is to save you time, money, and unnecessary stress.

The best mortgage isn't always the lowest rate. It's the one that gives you the flexibility, features, and long-term value that fit your life.

If you're thinking about buying, refinancing, or renewing, let's have a conversation before you start making appointments at every bank in town.

𝗢𝗻𝗲 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻. 𝗠𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗹𝗲𝗻𝗱𝗲𝗿𝘀. 𝗢𝗻𝗲 𝗮𝗱𝘃𝗼𝗰𝗮𝘁𝗲 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝗳𝗼𝗿 𝘆𝗼𝘂.

07/18/2026

This is a beautiful home. We, Richardson Mortgages know the owners well. Come see this home this weekend!

Come Visit Us & See for Yourself ! Note: Thursday’s Open House is canceled (we are conditionally Sold) !