Christa Tessier Mortgage Broker

Christa Tessier Mortgage Broker I'll take care of your financing & insurance needs - saving as much of your hard-earned money as possible throughout your time as a mortgage holder.

“I already own one property… how does that affect buying another?”Owning multiple properties adds a few more layers to t...
06/03/2026

“I already own one property… how does that affect buying another?”

Owning multiple properties adds a few more layers to the financing.

Lenders will look at things like existing mortgage payments, rental income and overall debt levels. But it doesn’t mean you can’t continue to grow.

With the right strategy, many clients successfully build portfolios over time. We’re here to help ensure you have the right mortgage financing on every property. Let’s chat about your plans so we can get you prepared!

Here’s a head’s up if you’re buying a home: That down payment you’re moving around last minute could actually delay your...
06/02/2026

Here’s a head’s up if you’re buying a home: That down payment you’re moving around last minute could actually delay your closing.

Banks can place holds on large deposits especially if the funds hit your account less than 15 days before closing.

And no… it’s not them being difficult. It’s about risk.

Banks are required to make sure the money is:
• Legitimate (not related to fraud or suspicious activity)
• Cleared (not coming from a bounced cheque or reversal)
• Traceable (we need a clean paper trail for the lender)

Until that’s confirmed, lenders can restrict access to those funds. This means your lawyer may not be able to use them in time for closing.

In other words, your deal is ready… but your money isn’t.

The safest move?
• Have your down payment sitting in your account at least three weeks before closing
• Avoid moving large sums last minute
• Talk to us before making any transfers

This is one of those small details that can turn into a big headache if missed.

We’d rather you know now than learn the hard way. We’re here to guide you every step of the way!

Gifted down payments from family members are very common, especially for first-time homebuyers.There are a few requireme...
06/01/2026

Gifted down payments from family members are very common, especially for first-time homebuyers.

There are a few requirements, like a signed gift letter and confirming the funds are truly a gift, not a loan. Beyond that, it’s usually a straightforward process.

The important part is documenting everything properly so there are no surprises during the approval. We’re here to make sure your gifted down payment meets the lender’s requirements.

It will be ac season soon! Just don’t get these guys to install for you LOL
05/29/2026

It will be ac season soon! Just don’t get these guys to install for you LOL

“I’m locked in, but I want to make a change to my mortgage – what now?”Breaking a mortgage early can come with penalties...
05/27/2026

“I’m locked in, but I want to make a change to my mortgage – what now?”

Breaking a mortgage early can come with penalties, but that doesn’t automatically mean it’s the wrong move.

In some cases, restructuring your mortgage – even with a penalty – can still put you in a better financial position long term.

It comes down to running the numbers and understanding the full picture. We’re here to help!

When it comes to growing families, it’s not always easy to know when it makes sense to upsize your home. The most common...
05/26/2026

When it comes to growing families, it’s not always easy to know when it makes sense to upsize your home.

The most common questions we usually hear include:
• Do we sell first or buy first?
• How much can we afford now?
• What happens to our current mortgage?

There isn’t a one-size-fits-all answer. It depends on timing, finances and risk tolerance. Planning ahead makes the transition smoother and helps avoid unnecessary stress during what’s already a big life change.

Reach out to us whenever questions like this start to surface. We’re here to help!

A home equity line of credit (HELOC) is a great financial tool. Once you make any payments on a HELOC, the funds become ...
05/25/2026

A home equity line of credit (HELOC) is a great financial tool. Once you make any payments on a HELOC, the funds become immediately available as it’s a revolving credit product. But, it’s important to establish a clear plan for how you’ll repay any money you borrow so you don’t just keep paying interest.

While you may be able to access up to 65% of your home’s value on a HELOC, this doesn’t mean you have to borrow the entire amount. You may find it easier to manage your debt if you borrow less money.

Have questions? We’re here to help!

Why call in a professional or rent a lift to work from heights when you have a super long ladder?! LOL
05/22/2026

Why call in a professional or rent a lift to work from heights when you have a super long ladder?! LOL

Throughout our careers, we often dream of the day we retire and imagine what our lives will look like when we reach this...
05/20/2026

Throughout our careers, we often dream of the day we retire and imagine what our lives will look like when we reach this milestone.

Whether we’re travelling the world or enjoying time with our loved ones, retirement – and having the flexibility to do what we want, when we want – is something we should be able to look forward to.

Let’s chat about building equity and making real estate part of your long-term strategy.

House hunting is exciting, but the mortgage part isn’t always fun.Well, unless you work with the right broker team. That...
05/19/2026

House hunting is exciting, but the mortgage part isn’t always fun.

Well, unless you work with the right broker team. That’s where we come in! We shop around on your behalf, comparing lenders to get you the best possible deal.

You receive guidance, clarity and peace of mind – without the hassle. Let’s chat!

Address

The Mortgage Advisors Lic#11947 2725 Queensview Drive, Suite 500
Ottawa, ON
K2B0A1

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