Tom Insley - Mortgage Agent

04/29/2026

https://mortgagelogic.news/breaking-bank-of-canada-opts

BREAKING: Bank of Canada Opts for Inertia. Leaves Policy Rate at 2.25%Apr 29, 2026 · by Rob McListerBank of CanadaPro0Join MLN to read moreSign up for a free account to access full spark content.Already have an account? Sign inDiscussionPlease sign in to leave a commentMore from MLNProToday's Mackl...

02/11/2025

06/21/2024

OTTAWA SCAM ALERT!

At precisely 6:01pm today, I received a text message claiming to be from the City of Ottawa, advising me I'd been clocked speeding in a school zone, and providing a link to make payment without going to court. The text said I had to take action by June 23rd (ie, Sunday).

I have confirmed on the City's website that this message is a scam - if you receive such message do NOT click the link. The City sends out speed camera tickets by snail-mail ONLY.

04/22/2024

Happy Earth Day to all who observe it!

The Sagan Series is an educational project working in the hopes of promoting scientific literacy in the general population. Be sure to check out the rest of...

04/04/2024

Is this you? DM me for a free consultation - I may be able to help!
(Confidentiality guaranteed.)

Canadian households in some provinces are renegotiating debt payments at a record clip, as the financial squeeze from high interest rates continues to take its toll. “ Household debt , declining purchasing power due to inflation and the sharp rise in interest rates are putting pressure on househol...

01/01/2024

Happy New Year, Everybody! 🥂🎉

12/06/2023

Never Forget / N'oublie Jamais

6/12/1989

11/11/2023

Please take two minutes this morning to remember those who gave all their remaining minutes for our freedom.

https://youtu.be/2kX_3y3u5Uo?si=fW8oH0qSeaK4WJ2j?t=16s

Please visit http://terry-kelly.com/digital-download-information for High Resolution Digital Download. On November 11, 1999 Terry Kelly was in a drug store ...

10/02/2023

Did you know? Using a mortgage agent can save you time when it comes to applying to lenders, can often result in a better mortgage rate than a bank, can ensure unbiased advice and greater choice and can save you money as they are compensated directly by the lender and most of the time there is no cost to the customer.

09/27/2023

A mortgage payment consists of two components: principal and interest. With recent rate increases, the amount paid towards principal decreases in proportion to an increase in the amount of interest owing on many static mortgages. If your payments get to a point where the interest portion exceeds your total payment, it is called hitting your trigger rate.

You can calculate your own trigger rate with the following formula: (Payment amount X number of payments per year/balance owing) X 100) to get your trigger rate in percentage.


If you're concerned about your trigger rate, or the effect of rising rates on your mortgage generally, click "send message" below to set up a free, no-obligation chat!

09/21/2023

Refinancing your mortgage can be a great way to leverage equity in your home to balance debt, do renovations, or to support kids going off to college. Through refinancing, you can tap into 80 percent of the value of your home! Talk to your local Mortgage Centre Canada agent to learn more.

09/14/2023

A mortgage professional can save you time and money while providing unbiased advice and helping you ensure you make the best decision for YOU. Contact a Mortgage Centre Canada Agent today to learn more!