Francine Casault - Premiere Mortgage Centre

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Francine Casault - Premiere Mortgage Centre

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

10/31/2026

🎃 Happy Halloween, Ottawa!

Porch light on, bowl of the good stuff by the door, and every costume welcome. Have a fun, safe, warm night.

Francine

10/29/2026

🎃 Halloween, so here are the things people are genuinely scared to tell a mortgage agent. I have heard every one of them. None of them ended the conversation.

🏡 "My credit has a few bruises." Bruises heal. We make a plan with dates on it.

🏡 "I had a gap in work." Life has gaps. Lenders want the story and the paper, not perfection.

🏡 "We're not married." Or not a couple. Or three of you. Whoever you're building a home with, there is a structure for it.

🏡 "I don't understand any of this." Nobody does the first time. That is what I am for.

The scary part is always the not saying. Say it early and it becomes a to-do list.

• • •

10/28/2026

🏦 The Bank of Canada raised its rate this morning, a quarter point to 2.50 percent. Here is what it means for Ottawa households, whoever you're building a home with.

🏡 Variable rate: your rate goes up a quarter point. If your payment is fixed, more of it shifts to interest and your trigger point moved closer. If your payment floats, it rises from your next payment date.

🏡 Fixed rate: nothing changes until your renewal. Fixed pricing follows the bond market, which moved before today.

🏡 Pre-approved and shopping: your rate hold still has its shelf life, and today it is worth more than it was yesterday. If it expires in the next few weeks, let's refresh it.

🏡 Renewing in the next six months: the Bank said it may raise again and will go carefully. Start the conversation now, not at the letter.

The next announcement is December 9. Between now and then, Ottawa files still have Ottawa questions, and I am here for them.

📞 613.859.5953 | francinecasaultmortgages.ca

• • •

10/26/2026

🔑 Buying with someone who isn't your partner is more common in Ottawa than people think. Two friends from the same department. Siblings. A parent and an adult kid. Chosen family splitting a semi in Hintonburg.

The mortgage does not care what the relationship is called. It cares about three things.

🏡 Who is on title, and how. Joint tenants or tenants in common decides what happens to the home if one of you passes or wants out.

🏡 Who qualifies, and for what share. Both incomes count, and so do both credit files.

🏡 What is written down. A co-ownership agreement, done with a lawyer before closing, covers the exit, the repairs and the awkward conversations while everyone still likes each other.

Whoever you're building a home with, the plan should match your real life. That is the whole job.

If you are thinking about buying with someone and the word "weird" has crossed your mind: it isn't weird. It's Tuesday.

📞 613.859.5953 | francinecasaultmortgages.ca

• • •

10/23/2026

💼 Small Business Week, and an Ottawa-shaped version of it.

A lot of income in this city does not arrive on a T4. It arrives on a T4A, an invoice, a six-month contract with a department, or a consulting agreement that renews every spring. The work is steady. The paperwork looks anything but.

Here is what a lender actually wants to see.

🏡 Two years of it. Returns, notices of assessment, and the contracts or invoices that back them up.

🏡 A pattern. Renewals, repeat clients, the same department three years running. Consistency reads as income.

🏡 The right reader. Some lenders average two years, some take the most recent, some will look at bank statements instead. Which one fits depends on how you are paid.

Self-employed income is not a problem. It just needs the right person reading it, and in Ottawa, someone who knows what a standing offer is.

Happy Small Business Week to everyone who sends their own invoices.

📞 613.859.5953 | francinecasaultmortgages.ca

• • •

10/21/2026

🏡 The questions don't stop at closing. Especially for partners who bought before they were "official" on paper.

Here's the pattern I see. Two people buy together, or one buys and the other moves in later. Life goes on. Then the renewal letter arrives, or they want to refinance for a kitchen, and suddenly there are questions nobody asked the first time. Whose name is on title, and in what form? Joint tenancy, where the home passes automatically to the surviving partner, or tenants in common, where it doesn't? Can a partner be added to the mortgage at renewal? What does the lender want to see from the partner who wasn't on the original file?

These are ordinary questions with clear answers, and the renewal is the best moment to ask them, because that's when the file gets opened anyway. Most of my couples find the conversation takes fifteen minutes and takes a weight off they didn't know they were carrying.

Whoever you're building a home with, married or not, on title or not yet, the plan should match your real life. If your renewal is within the next year, let's look at the paperwork together. 📞 613.859.5953

613.859.5953 | francinecasaultmortgages.ca

• • •

10/20/2026

📬 Your renewal letter isn't a deadline. It's an invitation to look around.

Here's what that letter actually is: the first number in a conversation. Your own lender will often do better if you ask. The wider market is worth a look too. And in most cases, moving to a new lender at renewal costs you nothing in legal fees, because the new lender covers the switch and I handle the paperwork.

I'm not telling you to leave your bank. I'm telling you not to sign the first page of a longer conversation. Bring me the letter, we'll look at your options together, and if the number you were sent turns out to be the right one for your life, I'll say so.

Whoever you're renewing with, and whatever your family looks like, you deserve a second opinion before you sign. 📞 613.859.5953

613.859.5953 | www.francinecasaultmortgages.ca

• • •

10/10/2026

🍂 Thankful for every door that opened this year.

The first-time buyers who called before they were sure. The public servants who sent me their strangest pay stubs and trusted me to sort it out. The partners, the parents, the single buyers, the newcomers who let me into the biggest decision of their year.

Everyone deserves a home. This weekend I'm grateful for the ones who let me help find theirs.

Happy Thanksgiving, Ottawa.

Francine

• • •

10/07/2026

⏳ A pre-approval has a shelf life. Most hold the rate for about 120 days.

The fall market in Ottawa moves faster than that, and so do rates. If yours was done in the spring, the number has changed even if your life hasn't. Income, debts and the qualifying rate all get read again.

Renew the pre-approval before you write the offer, not after. It's one conversation and it keeps a good week from turning into a stressful one.

Buying this fall? Let's re-read the file first. 📞 613.859.5953

613.859.5953 | francinecasaultmortgages.ca

• • •

10/05/2026

💜 Whoever you're building a home with, the plan should match your real life.

Partners. Siblings. A parent and an adult kid. Chosen family. Or just you. The mortgage doesn't care about the shape of the household, but the paperwork does: whose name is on title, who is on the application, what happens at renewal if the household changes. I ask those questions early so nobody is surprised later.

If your situation has ever felt like the exception, it isn't. It's a file I've seen before.

Francine

613.859.5953 | francinecasaultmortgages.ca

• • •

Address

Ottawa, ON
K2E7T7

Telephone

+16138595953

Website

https://francinecasaultmortgages.ca/

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