Ericka Ushliyanage-DLC National Ltd

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Canada
Ottawa, ON
Ericka Ushliyanage-DLC National Ltd

Trusted. Creative. Experienced.

With over 10 years as a Mortgage Agent in Ontario, I can expertly guide your residential real estate financing process and have access to banks, credit unions, monoline lenders, alternative and private lending.

10/22/2025

Reviews from some of my past clients. Reach out today for your mortgage experience!

02/18/2025

With the Bank of Canada’s recent rate cuts and more expected this year, now could be the perfect time to refinance your mortgage and secure a better deal. Refinancing your mortgage could mean ⬇️

🔹 Lower Monthly Payments – A lower rate means more cash in your pocket.
🔹 Locking in a Better Rate – Take advantage of declining rates for long-term savings.
🔹 Consolidate Debt – Roll high-interest debts into one manageable payment.
🔹 Tapping into Home Equity – Fund renovations, investments, or major expenses.

With rates finally moving in your favour, don’t miss this opportunity! Reach out today to explore your options. 💡🏡

02/10/2025

Your credit score helps determine how much money you can borrow and the interest rate you will pay. It is important to keep a good credit score. To help with this don’t go over your credit limit and try to use less than 35% of your available credit. It’s better to have a higher credit limit and use less of it each month.

For example, if your available credit is $15,000, try not to borrow more than $5,250 at a time, which is 35% of $15,000.

If you use a lot of your available credit, lenders see you as a greater risk. This is true even if you pay your balance in full by the due date.

02/04/2025

At renewal, you can renegotiate everything pertaining to your mortgage – with no penalties – which means this is an important moment of opportunity. You may also want to discuss refinancing your mortgage to pay off debt, complete renovations, or pay for a major expense ahead.

Reach out to explore your options.

01/27/2025

📉 Rates are trending lower, and this might be the perfect time to refinance or secure a better rate on your mortgage. Interested in learning how this could work for you?

Reach out to discuss your options!

01/21/2025

Boost your credit health to secure better mortgage rates! Key tips include:

📌 Manage Credit Utilization: Pay off your credit card balances at least three days before the statement date to lower utilization ratios.

📌 Accept Credit Limit Increases: Higher limits can improve your credit profile and reduce utilization percentages.

📌 Keep Old Credit Cards Open: Maintain older accounts to benefit from longer credit history and better utilization ratios.

📌 Promptly Pay Disputed Charges: Settle disputed amounts to avoid negative marks, then resolve the issue with your card issuer.

Implementing these strategies can enhance your credit score, positioning you for more favourable mortgage terms in 2025.

01/14/2025

Navigating the world of mortgages as a self-employed borrower can be tricky, but I’m here to help! With access to a wide range of lenders and unique solutions tailored to self-employed clients, I can offer you more options and personalized advice to secure the best deal.

Whether it's unconventional income documentation or flexibility in approval criteria, I’m an expert at finding solutions that work for you.

Don't settle for a one-size-fits-all approach—reach out today and get the options you deserve!

12/16/2024

Refinancing your mortgage doesn’t have to feel overwhelming—it could actually be one of the best financial decisions you make! 🌟

Whether you want to save money, tackle debt, or unlock the potential of your home equity, refinancing can open the door to exciting possibilities. 🏡✨

Here are a few reasons to explore your options:

1️⃣ Lower your monthly payments 💰
2️⃣ Consolidate debt 📊
3️⃣ Tap into your home’s equity 💵
4️⃣ Adjust your loan terms 🔁
5️⃣ Align with life changes 🌱

Reach out to see if refinancing makes sense for you.

12/10/2024

Finding a co-signer for your mortgage is a great solution, but not everyone is comfortable taking on that responsibility. Below are three alternatives to having a co-signer on your mortgage:

1️⃣ Receiving a gifted down payment. Depending on the amount, a gifted down payment might be exactly what is needed to help qualify for a mortgage without needing a co-signer.

2️⃣ Getting a joint mortgage. Joint mortgages are popular with parents helping their children buy a first home. They give both parties equal responsibility to make payments. In return, all parties get equal ownership of the home.

3️⃣ Using buyer assistance programs like the First Home Savings Account.

For more information, reach out for a free consultation.

12/04/2024

Did you know that extra income could help you qualify for a mortgage? It’s not just about your main job—lenders consider all of your income sources!

🔑 What Counts as Extra Income?
🔹 Side hustles or freelance work
🔹 Rental income (like a basement suite)
🔹 Child tax benefits
🔹 Overtime, bonuses, or part-time jobs

💡 How I Can Help:
🔹 Show you how to include extra income in your application.
🔹 Connect you with lenders who value all your income sources.
🔹 Guide you through the approval process to secure the best deal.

Ready to make your dream home a reality? Reach out to get started! 🏡✨

Address

Ottawa, ON

Website

http://www.erickaushmortgages.com/

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