Christa Tessier Mortgage Broker

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Ottawa, ON
Christa Tessier Mortgage Broker

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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.

10/16/2026

We all have those awesome neighbours who know how to outdo everyone else on Halloween! Beast mode activated here for sure 😱

10/14/2026

Being approved for a mortgage doesn't necessarily mean the payment fits comfortably into your life.

There’s a difference between what a lender will approve and what makes sense for your overall financial picture.

The goal shouldn't simply be to borrow the maximum amount available – it should be to structure financing you can live with. That’s where we shine! Let’s talk about affordability and how to live comfortably with homeownership.

10/13/2026

The answer depends on how comfortable you are with changing payments and how your mortgage fits into your broader financial goals.

A fixed-rate mortgage gives you a set interest rate for your term, making your payments more predictable. That can make budgeting easier and provide peace of mind.

A variable-rate mortgage can change as the lender’s prime rate changes, which means your interest rate – and, depending on the mortgage, potentially your payment – may fluctuate. The trade-off is that variable rates can provide opportunities when rates move lower, but they also require more comfort with uncertainty.

There’s no one-size-fits-all answer. Your budget, financial goals, timeline and comfort with risk all matter.

We’ll walk you through the pros and cons of both options, so you can make an informed decision based on your situation – not simply the rate you see advertised.

10/12/2026

Your home may be your largest financial asset… but how actively are you managing it?

Over time, your mortgage payments can build significant equity. That equity may eventually give you options for renovations, investments, education, debt restructuring, retirement or even helping family members.

The important question isn’t simply how much your home is worth – it’s what role do you want that equity to play in your financial plan? We’re here to help you make the most of your home equity. Let’s chat!

10/09/2026

Wishing you a wonderful Thanksgiving weekend with family and friends! 🦃🥧🍂

10/07/2026

Would you…
• Pay down your mortgage faster?
• Build an emergency fund?
• Pay off higher-interest debt?
• Invest?
• Increase your cashflow?

There isn’t one right answer for everyone. Your mortgage strategy should fit what you’re trying to accomplish financially – not just what looks good on paper.

We’re here to discuss your strategy every step of the way as it evolves throughout your homeownership journey.

10/06/2026

It’s a great idea to get prequalified for a mortgage before heading out home shopping so that you only look at properties you can comfortably afford.

During prequalification, we’ll provide you with an estimate of the mortgage amount a lender will be willing to lend you. We can also secure a rate hold at this time to protect you from rising rates for 90-120 days. Let’s talk!

10/05/2026

For many parents, helping your children financially is an important goal. Using home equity can make that possible without having to sell your home or use your savings.

An equity mortgage can unlock funds for your kid’s:
• Tuition and education costs
• Down payment gift
• Other major life expenses

Of course, accessing equity means taking on additional mortgage debt, so it’s important to consider the payments, interest costs and how the strategy fits into your own long-term financial plans.

The right approach depends on your circumstances, available equity and what you’re trying to accomplish. We’d be happy to review your mortgage to help you understand the options and determine whether using your home equity makes sense for you and your family.

10/02/2026

Hmmmm… are you sure? Kind of makes you question why they’d need this sign in the first place?!

09/30/2026

Breaking your mortgage before the end of your term can come with a penalty and, depending on your mortgage type and lender, that cost can be significant.

But the penalty isn't the only number that matters. If your financial situation has changed, you may be considering refinancing, consolidating higher-interest debt, accessing home equity, selling your home or restructuring your mortgage. In some cases, making a change before renewal could provide enough financial benefit to outweigh the cost of breaking your existing mortgage.

The key is to look at the overall financial picture rather than focusing on the penalty alone.
Before making a decision, we’ll calculate the penalty, any new mortgage costs and the potential savings or benefits of making a change.

Sometimes the numbers make sense to break early. Sometimes they don't. The important thing is understanding your options before you decide.

Address

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

Website

http://www.themortgageadvisors.com/

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116 Albert Street suite 300

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