Sarah Levine, Mortgage Agent Level 2 at Mortgage Brokers Ottawa

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Sarah Levine, Mortgage Agent Level 2 at Mortgage Brokers Ottawa

Mortgage Brokers Ottawa License #11759 Hi, I’m Sarah. I live and work in Barrhaven, and love how it is continuing to grow and thrive.

I’m here to help you through every step of the homebuying and mortgage processes – whether you’re a first-time homebuyer, transitioning into your forever home or renewing/refinancing an existing mortgage. I’ll get you preapproved and help determine the mortgage amount for which you qualify, while ensuring you have everything in place on closing day and beyond. I have a passion for helping people and making sure your mortgage is set up to meet your unique needs, both now and into the future. It’s my goal to be your Mortgage Agent for life, getting to know your ever-evolving story and helping you save as much of your hard-earned money as possible throughout your time as a mortgage holder. I understand that life happens – whether through illness, divorce or job loss – and that often means finding alternative financing solutions until you can fix blemished credit or pay off debt and return to traditional lending. I know what it’s like to raise a family (my husband and I are raising two incredible young ladies) and make adjustments along the way – whatever it takes to accommodate an evolving household. I’ve been in banking and brokering for almost two decades, and enjoy the privilege of helping people transition from the dream of homeownership to becoming a first-time homebuyer and then purchasing their next dream home. Each step is as rewarding as the next as I get to experience the emotions through the eyes of my clients regardless of what life stage they’ve entered. I enjoy running into my clients while going about my day and staying in touch to revisit their needs as their lives continue to change. Let me help take the stress out of homeownership. Answers to your questions are just a phone call or email away!

10/29/2026

It's spooky season, and I can't stop thinking about the mortgage myths that haunt people's home searches way longer than they should. 👻🏡

Things like: you need a 20% down payment. Or perfect credit. Or that getting pre-approved will hurt your credit score. I hear these all the time — and honestly, I get why they stick around. Mortgages can feel overwhelming, and when something sounds official, it's easy to believe it.

But so many people are holding themselves back from a home they could actually qualify for right now, just because of something they heard that isn't quite true.

If a mortgage myth has been living rent-free in your head, drop it in the comments — let's clear it up together! 💛

Sarah Levine, Mortgage Agent - Level 2, License #11759, Mortgage Brokers Ottawa

10/28/2026

The Bank of Canada raised its overnight rate this morning, and I know a lot of you woke up with questions. 💛

Here's what I want you to know first: if you're on a variable-rate mortgage, your payments will adjust — but this isn't panic territory. And if you're on a fixed rate or thinking about locking in, there's plenty to consider there too.

The housing market was already cooling heading into today, so what this means really depends on your specific situation. No two mortgages are the same, and no two families are either.

I'm here to help you think it through — no pressure, just a real conversation. Whether you're mid-purchase, holding a variable rate, or just feeling uncertain, my inbox is always open. 🏡

What questions do you have? Drop them below or send me a message anytime.

Sarah Levine, Mortgage Agent - Level 2, License #11759, Mortgage Brokers Ottawa

10/27/2026

Tomorrow morning, the Bank of Canada announces its next rate decision — and my inbox has been busy this week! 🏡

Here's where things stand: markets are leaning toward a hold, but there's still some uncertainty with inflation and the Canada-U.S. trade picture. This announcement also comes with the Monetary Policy Report, so it carries a little more weight than usual.

My advice? Don't let the news cycle drive your mortgage decisions. Whether you're buying, renewing, or thinking about refinancing, your individual situation is what matters most — and that's exactly what I'm here to help you figure out. ✨

What questions do you have heading into tomorrow's announcement? Drop them below or slide into my DMs — I'm always happy to chat. 💛

Sarah Levine, Mortgage Agent - Level 2, License #11759, Mortgage Brokers Ottawa

10/22/2026

Renewal season is here — and if your mortgage is coming up in 2026, you may have already heard the words "blend and extend" from your bank. It sounds simple enough: your lender blends your current rate with today's rate and rolls you into a new term, no penalty required. 🏡

And honestly? It can be a decent option. But here's what I always want my clients to know first — when you say yes to a blend and extend with your existing lender, you're stepping away from the market entirely. You'll never know if a better deal was sitting right there waiting for you.

Before you sign anything, let's just talk. Even a quick conversation can help you walk into your next term feeling confident — not just like you took the easy road. 💛

Have you been offered a blend and extend already? Drop a comment or send me a message — I'd love to help you think it through!

Sarah Levine, Mortgage Agent - Level 2, License #11759, Mortgage Brokers Ottawa

10/21/2026

❓️Do you know your credit score?

💳 Your credit score dictates your mortgage approval odds, can affect your interest rate, and can restrict which lenders will approve your mortgage.

Your credit score is determined by your payment history, balances owing on your credit products, length of your credit history, types of credit products that you hold, and the number of new requests for credit or newly opened accounts versus old.

If you feel your credit is not where you would like it to be, there are ways to repair it.

Have questions? Please contact me at [email protected] or 613-220-0396

10/20/2026

The latest inflation numbers are in — and if your mortgage renewal is coming up soon, this one's worth a few minutes of your time. 💛

Canada's headline CPI landed at 3.0% year-over-year for August, which I know can sound a little unsettling. But here's what I find reassuring: the core measures the Bank of Canada watches most closely are sitting right around 2%. A lot of that headline number is being pushed by gas prices, while groceries are actually cooling off. It's a more hopeful picture than the headline suggests.

The Bank of Canada held its rate on September 2nd — the 7th hold in a row. The next announcement is October 28th, and if your renewal is on the horizon, that date matters.

Not sure what this means for your situation? That's exactly what I'm here for. Drop a comment or send me a message and let's chat! 🏡

Sarah Levine, Mortgage Agent - Level 2, License #11759, Mortgage Brokers Ottawa

10/15/2026

Renewal season is such a good reminder that the first offer you get isn't always the best one. 🍂

One of my clients came to me this fall after their bank sent a renewal offer in the mail. It looked fine — but fine isn't what I'm here for. We pushed back, shopped the market, and found them something that could save them thousands over their term. That's real money back in their pocket. 💛

With over 1.2 million Canadian mortgages renewing right now, lenders are competing for your business. That's leverage — and I'm here to help you use it.

If your renewal is coming up in the next few months, let's talk before you sign anything. Have you ever negotiated your mortgage renewal, or did you just go with what the bank sent? 🏡

Sarah Levine, Mortgage Agent - Level 2, License #11759, Mortgage Brokers Ottawa

10/13/2026

A lot of people assume that when the Bank of Canada holds its rate, mortgage rates hold too. I totally get why — it sounds like that's how it works. 🏡

But fixed rates actually follow Government of Canada bond yields, not the BoC overnight rate. And those yields have climbed significantly this year, even while the overnight rate has been frozen at 2.25%. That means fixed rates have been quietly moving up on their own.

The next BoC decision is October 28th — and while a hold is widely expected, that alone won't tell the whole story for anyone shopping a fixed rate right now.

If you're coming up on renewal or thinking about buying, this is exactly the kind of thing I love walking through with clients. No jargon, no pressure — just clarity. 💛

Have you been watching rates lately? Drop a question below — I'm happy to help!

Sarah Levine, Mortgage Agent - Level 2, License #11759, Mortgage Brokers Ottawa

10/08/2026

There's a kind of stress that comes with buying a home that almost nobody warns you about. It's not the paperwork or the home inspection — it's that quiet, middle-of-the-night feeling where you wonder if you're making the right call. 💛

I hear this from clients all the time, and I want you to know: that feeling is completely normal. It usually just means you haven't had someone sit down with you and walk through everything in a way that actually makes sense.

That's my favourite part of this work — that moment when a client finally exhales because things are clear.

If mortgage stress has been keeping you up, let's just talk. No pressure, no jargon — just an honest conversation about where you're at and what's possible. 🏡

Have you ever felt that middle-of-the-night worry during a big financial decision? Drop a comment below — you're not alone.

Sarah Levine, Mortgage Agent - Level 2, License #11759, Mortgage Brokers Ottawa

10/06/2026

This weekend, my house is going to smell like roasted garlic and something my mom used to make every Thanksgiving. The table will be crowded, someone will forget what they promised to bring — and I wouldn't change a single thing. 🍂

This time of year always has me thinking about what home really means. Over the years I've sat with so many families at such meaningful moments — first mortgages, bigger homes, fresh starts — and every time, it stops being about the numbers and becomes about something so much bigger.

Home is where real life happens. I feel so lucky to play a small part in that.

If you're thinking about your next chapter, I'd love to chat. What does home mean to you this Thanksgiving? 💛

Wishing you and yours a warm and wonderful holiday.

Sarah Levine, Mortgage Agent - Level 2, License #11759, Mortgage Brokers Ottawa

Address

300-1701 Woodward Drive
Ottawa, ON
K2C0R4

Website

http://sarahlevinemortgages.com/

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