Erica Vincelli, Mortgage Agent

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Ottawa, ON
Erica Vincelli, Mortgage Agent

Erica Vincelli, Mortgage Agent, Level 2
"The only mortgage agent you will ever need" I love what I do because I have the privilege of making dreams come true.

As your mortgage agent, I am committed to making your home buying experience pleasant and efficient. My goal is to save you time and money while preparing for the unexpected. Finding that perfect home is just one piece of the homeownership puzzle; having a mortgage that suits you and your family’s needs today and tomorrow is just as important. I’m a licensed mortgage expert, specializing in first-time home buyers, recently separated or divorced, self employed or commissioned employees, rent-to-own, refinancing, and investment properties. I have access to banks, lenders, credit unions, trust companies and private funding. I am not tied to any one bank so I provide tailored unbiased advice and guidance that meets your requirements. In my 15 years of customer service experience I have gain valuable knowledge that has helped me develop my mortgage business. I work well under pressure, never giving up until the mortgage is approved and ensuring my clients are pleased with the results. I have the experience and referrals to back my claim. My top priority is to exceed my clients’ expectations and to assure happy, repeat clients and their referrals to their family, friends and coworkers because they are the ones who fuel my success.

11/02/2026

Life is meant to be lived, enjoyed, and embraced.

Thriving is about continuing to grow, pursuing what matters to you, celebrating the little wins, and making room for the things that bring you joy.🌻

10/29/2026

You might be leaving money on the table by running two powerful mortgage strategies separately.

If you own a rental property and you’re already using the Smith Manoeuvre on your primary home, there’s an opportunity to make those two strategies work together.

The Smith Manoeuvre and Cash Flow Dam aren’t competing strategies. When structured properly, they can work together to accelerate debt conversion using income you’re already earning.

The key is knowing how to connect the dots, and making sure the structure is set up correctly from the start.

In this week’s YouTube video, I’m breaking down how it works, what to watch for, and whether this approach makes sense for your situation.

Comment STACK below and I’ll send you the link!

10/28/2026

The Bank of Canada just increased its overnight rate by 0.25%, bringing it to 2.50% and the prime rate to 4.70%.

So why aren’t my clients hitting the panic button? 👇

Because when your mortgage strategy is built around more than today’s rate, one announcement doesn’t have to change everything.

We look at the bigger picture:
👉🏼 how your mortgage fits into your cash flow
👉🏼 how you’re building equity
👉🏼 what your long-term financial goals are
👉🏼 and how your debt can work more effectively for you

That might mean exploring a readvanceable mortgage, using the Smith Manoeuvre, or structuring your mortgage around a broader wealth-building strategy.

The goal isn’t to predict every rate move or react to every headline. It’s to build a plan that makes sense for you over the long term, with room to adapt as things change.

The right mortgage strategy should give you more than a good rate today. It should help you move toward where you want to be financially.

If you’re doing everything right and still thinking to yourself “there’s gotta be a better way”....youre right . And I’m here to show you how. Send me a DM or book a call today!

10/26/2026

Sometimes the answer isn’t working harder. It’s thinking differently.

If the same approach keeps giving you the same result, maybe it’s time to look at things from a new perspective.

A new result often starts with a new way of thinking.💡

10/22/2026

Have you considered rolling your debt into your mortgage? The order you do things in matters.

Lowering your interest rate and monthly payments can bring immediate relief, but there’s another step that could make a difference in how your mortgage works for you long term.

In my latest YouTube video, I’m walking you through the process step by step, including the piece many homeowners overlook: making sure your mortgage is readvanceable, so the equity you continue to build has somewhere useful to go.

It’s not just about getting out of expensive debt, it’s about setting yourself up properly for what comes next.

Comment RIGHT WAY below and I’ll send you the link to watch the full video. 👇

10/20/2026

Like many homeowners, my client came to me focused on getting a lower interest rate, hoping it would make a meaningful difference to her monthly finances.

But when we looked at the numbers together, I knew we needed to look beyond the rate.

She had other debts eating into her monthly cash flow, and even if we secured a lower mortgage rate, the savings weren’t going to move the needle as much as she hoped.

So we changed the conversation.

Instead of asking, “How much lower can we get your rate?” we started looking at how her mortgage and other debts were working together, and whether a debt consolidation strategy could put her in a stronger position.

The biggest opportunity isn’t negotiating a fraction off your interest rate. It’s rethinking the way your debt is structured in the first place.

This is why I don’t believe in looking at a mortgage in isolation.

Your rate matters, but so does your cash flow, your debt, your long-term plans and what you want your money to make possible.

Anyone can give you a rate quote. My job is to help you understand what that rate actually means for your financial picture, and whether there’s a smarter way forward.

If you’re approaching renewal, don’t just ask what rate you can get. Ask what your mortgage could be doing for you.

That’s where the real conversation starts. Send me a DM or book a call! 📲

10/19/2026

Hold your head high, not because everything is perfect, but because you’ve made it through every difficult day that came before this one.

Be proud of how far you’ve come, while still looking forward to where you’re going.

10/16/2026

Fifteen years ago, I made a decision that changed the course of my career. I left a job that wasn’t right for me without a backup plan and took a chance on the mortgage industry. From finding my first client to learning an entirely new field, the journey came with challenges, lessons, and opportunities I never could have predicted.

Today, I’m focused on helping Canadians understand their options and explore advanced strategies that support their bigger financial goals.

I’m proud of how far this journey has taken me, the relationships I’ve built, and the opportunity to make a meaningful difference in my clients’ lives.

To celebrate 15 years, I’m also giving back by donating to 15 different charities that make a difference in our communities. ❤️

➡️ I’d love your help choosing them! Comment some of your favourite charities below. I’d love to discover organizations doing incredible work and give back to causes that matter to you. ⬅️

Here’s to 15 years of growth, meaningful connections, and what’s still to come! 🥂

Address

2725 Queensview Drive
Ottawa, ON
K2B0A1

Website

http://www.ericavincellimortgage.ca/, https://calendly.com/d/z9w-2sw-h3h, https://ericavincellimortgage.us20.list-manage

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