Lindsay Buszchak - Mortgage Agent Level 2

Lindsay Buszchak - Mortgage Agent Level 2 Mortgage Agent, Level 2

Rock Capital Mortgage #10556
Each office is independently owned

04/14/2026

If you’re thinking about buying a home, you might feel like the ones you love are just out of reach.

This is where working with a mortgage broker can really help. We take the time to understand what matters most to you, walk through your options, and help you make a decision that actually makes sense for your situation.

Here are a few ways to potentially increase your buying power:

- Increase your down payment
- Pay down debt
- Add a co-borrower
- Consider a property with a rental unit
- Extend your amortization
- Lock in a rate early

The most important thing to remember?
Buying power isn’t based solely on your income, it’s about strategy.

If you’re curious what this could look like for you, feel free to reach out!

When it comes to your mortgage application, documents matter more than you think.Lenders are very particular about what ...
04/02/2026

When it comes to your mortgage application, documents matter more than you think.

Lenders are very particular about what they need, and one of the biggest causes of delays is incomplete or unclear documents.

It’s not just about sending what’s been requested, it’s how you send it. Clear, complete, and properly formatted documents can make a huge difference in how smoothly your application moves.

A few small things (like avoiding screenshots or sending full statements) can save days of back and forth and help keep everything on track.

Bonus Tip: If using documents straight from your CRA account make sure T4’s show your name as well.

My goal is always to make this process as smooth and stress-free as possible, and this is one of the easiest ways to help make that happen.

If you’re ever unsure about what to send, just ask. I’m always happy to help.

With pre-approvals in full swing and the spring market just around the corner, I wanted to share a quick reminder: just ...
03/31/2026

With pre-approvals in full swing and the spring market just around the corner, I wanted to share a quick reminder: just because you can doesn’t always mean you should.

Your pre-approval is based on numbers like your mortgage payment (principal + interest), property taxes, heat, and any debts showing on your credit report.

But what it doesn’t take into account is your lifestyle.

It’s exciting to be approved for the price range you were hoping for, but if you love to travel, have kids in sports or activities, enjoy eating out, or are just feeling the impact of everyday costs like groceries and gas, going right to your max approval might not feel as comfortable as it looks on paper.

Buying a home is about more than just qualifying, it’s about making sure it fits your life both now and long term.

My role as a mortgage broker is to help you understand the full picture and advocate for what’s in your best interest. These are the kinds of conversations that really matter when it comes to making the right decision for you.

So reach out and let’s chat about what makes sense for you.

Everyone wants the best rate and I get it, people talk.You hear about the amazing rate your neighbour, friend, or family...
03/26/2026

Everyone wants the best rate and I get it, people talk.

You hear about the amazing rate your neighbour, friend, or family member got and naturally expect you should be able to get the same.

But here’s the reality: The Details Matter!

Things like timing, the type of property, your income, credit, and down payment all play a role in the rate you’re offered. Even something as simple as your job type or how you’re paid can make a difference.

Two people can go to the same lender and still walk away with completely different rates.

That’s why it’s so important to focus on what you qualify for, rather than comparing to someone else’s situation.

If you’re curious where you fall, I’m always happy to take a look and walk you through your options.

No rate change today, but that doesn’t mean nothing is happening.Good news for variable rate holders: the Bank of Canada...
03/18/2026

No rate change today, but that doesn’t mean nothing is happening.

Good news for variable rate holders: the Bank of Canada held its rate today, which means Prime remains at 4.45% and variable rates are unchanged for now.

However, while variable rates are holding steady, fixed rates have already started to increase slightly. That’s because fixed mortgage rates are tied to Canada’s bond yields, which are influenced by things like inflation, economic data, and global uncertainty. Lately, those bond yields have been moving up and when they do, fixed rates tend to follow.

This is important because even though the Bank of Canada didn’t raise rates today, borrowing costs (especially fixed rates) can still change based on what’s happening in the broader economy.

If you’re thinking about buying or renewing in the near future, securing a rate hold can be a smart move. It allows you to lock in today’s rate in case rates continue to rise, while still giving you the flexibility to take a lower rate if things improve before your closing date.

If you have questions about your options, I’m always happy to chat.

The next Bank of Canada rate announcement is set for April 29th.

Sometimes bigger isn’t always better. Downsizing, for many homeowners, is about simplifying life and creating more finan...
03/17/2026

Sometimes bigger isn’t always better. Downsizing, for many homeowners, is about simplifying life and creating more financial freedom.

When it comes to downsizing, the role your mortgage plays can look a little different. You may choose to reduce your mortgage amount and lower your monthly expenses, free up equity from your current home to support retirement or other financial goals, or even port your existing mortgage.

Downsizing looks different for everyone. The key is making sure your mortgage strategy aligns with your next chapter, not your last one.

If downsizing has been on your mind, I’m always happy to help you explore what that could look like for you.

Buying or selling a home involves more than just the purchase price or sale price.There are several additional costs beh...
03/16/2026

Buying or selling a home involves more than just the purchase price or sale price.

There are several additional costs behind the scenes that many people don’t realize until they’re already in the process. Understanding them ahead of time can help you plan and avoid surprises.

Some costs apply when buying, some when selling, and if you’re moving from one home to another you will experience a little from column A and a little from column B.

The good news is that most of these expenses are completely predictable when you know what to look for.

If you’re thinking about making a move and want help understanding the full financial picture, I’m always happy to walk through the numbers with you.

When it comes to getting a mortgage, the numbers don’t just depend on you, the property matters too.After we review inco...
03/14/2026

When it comes to getting a mortgage, the numbers don’t just depend on you, the property matters too.

After we review income, credit, and down payment to determine what you can afford, the lender may also require an appraisal to confirm the value of the home. This helps them determine how much they’re willing to lend.

Sometimes an appraisal can come back lower than expected, and when that happens it can affect both purchases and refinances.

The good news is that there are usually options and strategies to work through the situation. The key is understanding how the appraisal impacts the mortgage and having the right team to help navigate the next steps.

Every situation is different, so if you ever have questions about how appraisals work in the mortgage process, I’m always happy to help.

Were you aware that the lender bases the mortgage amount on the appraised value, not the purchase price?

A reverse mortgage isn’t for everyone, but in the right situation, it can be a powerful financial tool.With a reverse mo...
03/04/2026

A reverse mortgage isn’t for everyone, but in the right situation, it can be a powerful financial tool.

With a reverse mortgage, you remain the owner of your home, and in Canada there is a no negative equity guarantee, meaning you will never owe more than the fair market value of your home when it’s sold.

Every situation is unique. The key is understanding whether this option truly aligns with your long-term goals and lifestyle.

If you’re curious whether a reverse mortgage could work for you (or a parent), I’m always happy to have a no-pressure conversation.

02/19/2026

A big congratulations to our $50 gas card winner from the Realtor Symposium, .realtor

Thank you to everyone who stopped by, entered the draw, and took a few minutes to connect. It was such a great event and truly a pleasure meeting so many wonderful people in our local real estate community.

I’m grateful for the opportunity to build new relationships and look forward to staying connected with you all!

Address

Petawawa, ON

Opening Hours

Monday 8am - 10pm
Tuesday 8am - 10pm
Wednesday 8am - 10pm
Thursday 8am - 10pm
Friday 8am - 10pm
Saturday 8am - 10pm
Sunday 8am - 10pm

Telephone

+16134018528

Website

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