Francine Casault - Premiere Mortgage Centre

Francine Casault - Premiere Mortgage Centre Mortgage Agent Level 2 at Premiere Mortgage Centre. Brokerage Lic #10317
Toronto & Ottawa

The Bank of Canada held at 2.25% yesterday, the eighth consecutive hold.For clients who have been working toward homeown...
09/03/2026

The Bank of Canada held at 2.25% yesterday, the eighth consecutive hold.

For clients who have been working toward homeownership, this hold matters. And so does what comes next.

National Bank and Scotiabank are now forecasting a hike to 2.50% in October and 2.75% by December. CPI at 3%, tariffs adding pressure to construction costs, and fixed rates already starting to move on bond yields.

Everyone deserves a home. And getting into that home at today's rate is something worth planning for now, not after October.

If you have questions about what the hold means for your file, or what October might mean, I am here.

613.859.5953 | francinecasaultmortgages.ca

🍁 September has always been my favourite reset.The air changes. The routines settle. The energy shifts to "okay, let's d...
09/01/2026

🍁 September has always been my favourite reset.

The air changes. The routines settle. The energy shifts to "okay, let's do this."

For a lot of people, this is when the conversations start. About a move. A refinance. A first home.

I love those conversations. They always lead to clarity.

If September is giving you that feeling, I am here.
Francine

📞 613.859.5953

• • •

Pre-qualified and pre-approved are not the same thing.Pre-qualification is a rough estimate based on what you tell a len...
08/30/2026

Pre-qualified and pre-approved are not the same thing.

Pre-qualification is a rough estimate based on what you tell a lender. Pre-approval is a deep dive. income verified, credit pulled, rate held.

One gives you an idea. The other gives you confidence when you make an offer.

If you're getting ready to start looking, start with the real thing. It costs nothing and puts you in a much stronger position.

613.859.5953
www.francinecasaultmortgages.ca

🔑 The scariest part of buying your first home is not the money.It is the not knowing. Not knowing if you qualify. Not kn...
08/28/2026

🔑 The scariest part of buying your first home is not the money.

It is the not knowing. Not knowing if you qualify. Not knowing what you can afford. Not knowing if now is the right time or if you should wait.

That uncertainty keeps people on the sidelines for months, sometimes years. And the irony is that one conversation can replace all of it with a plan.

Here is what a pre-approval actually gives you:

🏡 Your real number, based on your actual income, credit, and situation
🏡 A rate hold that protects you while you search
🏡 A clear picture of what to work on if anything needs attention

No commitment. No pressure. About fifteen minutes.

Everyone deserves to feel informed and confident about this decision. That is where we start.

📞 613.859.5953
📧 [email protected]

• • •

Back-to-school season hits different when you're also carrying a mortgage.Supplies, activities, new clothes — it adds up...
08/21/2026

Back-to-school season hits different when you're also carrying a mortgage.

Supplies, activities, new clothes — it adds up fast. Here's the one thing that helps most: know what your fixed costs actually are. When your mortgage payment is predictable, everything else gets easier to plan around.

If your current mortgage is variable and the uncertainty is stressing you out, there are options. That's worth a conversation.

613.859.5953
www.francinecasaultmortgages.ca

New to Canada and dreaming of owning a home? You're closer than you think.There are mortgage programs designed specifica...
08/17/2026

New to Canada and dreaming of owning a home? You're closer than you think.

There are mortgage programs designed specifically for newcomers — even without a long Canadian credit history. Some lenders accept international credit, and down payment requirements may be more flexible than you expect.

The process can feel overwhelming when everything is new. But you don't have to figure it out alone.

Everyone deserves a home. Let's find your path.

613.859.5953
www.francinecasaultmortgages.ca

Fixed or variable? It's the most common question I get — and there's no one-size-fits-all answer.Fixed gives you certain...
08/15/2026

Fixed or variable? It's the most common question I get — and there's no one-size-fits-all answer.

Fixed gives you certainty. You know exactly what you're paying for the full term. Variable can save you money over time, but it means your payment can shift with rate changes.

The right choice depends on your comfort with risk, your cash flow, and how long you plan to stay in your home.

This is the kind of conversation that takes 15 minutes and saves a lot of second-guessing. Worth a call.

613.859.5953
www.francinecasaultmortgages.ca

Thinking about co-signing someone's mortgage? Read this first.Co-signing means you're equally responsible for the full m...
08/13/2026

Thinking about co-signing someone's mortgage? Read this first.

Co-signing means you're equally responsible for the full mortgage. If anything goes wrong, it affects your credit, your borrowing power, and your financial future.

That doesn't mean don't do it. It means understand exactly what you're agreeing to before you sign.

There are ways to help a loved one buy a home without putting your own finances at risk. Let's talk about what those look like.

613.859.5953
www.francinecasaultmortgages.ca

📋 If you're self-employed and thinking about buying a home, the process looks a little different. But it's not as compli...
07/29/2026

📋 If you're self-employed and thinking about buying a home, the process looks a little different. But it's not as complicated as you might think.

Lenders want to understand your income. Since you don't get a traditional T4, they'll look at things like your Notice of Assessment, business financials, and sometimes bank statements to get a picture of your earning history.

Some lenders are more flexible than others when it comes to how they calculate self-employed income. That's where having a mortgage professional who knows which lenders work best for your situation makes a real difference.

The biggest mistake I see is self-employed buyers assuming they won't qualify. Many do. They just need someone who knows how to present the file properly.

If you've been putting off the conversation, let's change that.

📞 613.859.5953 | francinecasaultmortgages.ca

📊 Ever heard a lender mention your "debt service ratio" and wondered what they were actually looking at?It's one of the ...
07/26/2026

📊 Ever heard a lender mention your "debt service ratio" and wondered what they were actually looking at?

It's one of the key numbers lenders use to decide how much you can borrow. In simple terms, it's the percentage of your income that goes toward housing costs and debt payments.

There are two ratios they look at. One focuses on housing costs alone — your mortgage payment, property taxes, and heating. The other includes all of that plus any other debts like car payments, credit cards, or student loans.

Each lender has a threshold for what they're comfortable with. If your ratios are close to the limit, it doesn't mean you can't qualify. It just means we need to look at the options more carefully and find the right fit.

Understanding these numbers before you apply puts you in a stronger position. And that's exactly what a good conversation with a mortgage professional is for.

📞 613.859.5953 | francinecasaultmortgages.ca

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Ottawa, ON
K2E7T7

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+16138595953

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