Sam Himyary - Ottawa Top Mortgages

08/11/2026

Is It Time to Refinance?

Refinancing isn't only about getting a lower interest rate.
It can also help you consolidate debt, fund home renovations, or access equity for other financial goals. Every situation is different, so it's worth exploring your options.

📞 Reach out to a mortgage broker to see if refinancing makes sense for your financial plans.

08/07/2026

Your business has grown, but has your mortgage strategy?

Whether you're buying a new home, refinancing, or investing in real estate, your financing should support your business goals. Alternative lending can provide flexible solutions when traditional financing doesn't fit.

📞 Speak with a mortgage broker to learn which options are available for self-employed entrepreneurs.

08/04/2026

Your Credit Score Can Affect Your Mortgage

A stronger credit score may help you qualify for better mortgage rates and save money over time. If you're planning to buy or refinance, improving your credit now could make a difference later.

📞 A mortgage broker can guide you on what lenders look for and help you prepare before applying.

07/28/2026

Buying Your First Home?

Many first-time buyers think they need a huge down payment or perfect credit.
There are programs and mortgage options that may make homeownership more achievable than you realize.

📞 A mortgage broker can explain what's available and help you understand how much you could qualify for.

07/24/2026

Been turned down by your bank? Don't give up. A "no" from one lender doesn't mean you can't get a mortgage. Alternative lenders understand that entrepreneurs, contractors, and business owners often have different income patterns than salaried employees.

📞 A mortgage broker can connect you with lenders who specialize in helping self-employed Canadians achieve their homeownership goals.

07/21/2026

Mortgage Renewal Coming Up?

When your lender sends a renewal offer, it might not be your best option.
Before signing, take a few minutes to compare rates and products. Even a small difference could save you money over the life of your mortgage.

📞 Talk to a mortgage broker before you renew—they can shop around and help you make an informed decision.

07/16/2026

Self-employed? Your income may be stronger than it looks on paper.

Many business owners reduce their taxable income through business expenses—but that can make it harder to qualify with traditional lenders. The good news? Alternative lenders often look beyond your tax returns and consider your overall financial picture.

📞 If you're self-employed, reach out to a mortgage broker. They can help you explore lending options that fit your unique situation.

07/14/2026

Fixed or Variable: Which Is Better Right Now?

Fixed or Variable?
Mortgage rates have changed a lot over the past few years, and many Canadians are wondering which option makes the most sense today.
The right choice depends on your goals, budget, and how comfortable you are with changing payments.

Not sure what's best for you? Reach out to a mortgage broker to compare your options and find a mortgage that fits your needs.

06/16/2026

06/09/2026

MORTGAGE PRE-APPROVAL

House hunting without a mortgage pre-approval is like shopping without knowing your budget.

A pre-approval helps you:
• Know how much you can afford
• Lock in a rate (for a limited time)
• Strengthen your offer when buying

It’s one of the smartest first steps in the homebuying journey.