Ericka Ushliyanage-DLC National Ltd

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.

Reviews from some of my past clients. Reach out today for your mortgage experience!
10/22/2025

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

With the Bank of Canada’s recent rate cuts and more expected this year, now could be the perfect time to refinance your ...
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. 💡🏡

Your credit score helps determine how much money you can borrow and the interest rate you will pay. It is important to k...
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.

At renewal, you can renegotiate everything pertaining to your mortgage – with no penalties – which means this is an impo...
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.

📉 Rates are trending lower, and this might be the perfect time to refinance or secure a better rate on your mortgage. In...
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!

Boost your credit health to secure better mortgage rates! Key tips include:📌 Manage Credit Utilization: Pay off your cre...
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.

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Ottawa, ON

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