Kellie Bonnici - BRX Mortgage

Kellie Bonnici - BRX Mortgage Mortgage information and advice you can use.

06/05/2026

PRIDE MONTH 🌈

In this month of celebration and unity, let’s remember that love is love. It transcends gender and celebrates everything that makes us who we are. Showing up for q***r and trans communities matters. We all deserve to love freely, live safely, and embrace our true selves, and you are so welcome here. 🏳️‍🌈

(Peterborough, mortgage agent, Kawarthas, PTBO, pride)

What even IS a mortgage term? 🏡Your mortgage term is how long your current agreement and rate are in effect. Most common...
06/02/2026

What even IS a mortgage term? 🏡

Your mortgage term is how long your current agreement and rate are in effect. Most commonly 5 years. When it’s up, you can renew, refinance, or switch lenders.

Not to be confused with your amortization - the full length of time it takes to pay off the mortgage entirely, typically 25-30 years.

Your term is one chapter. Your amortization is the whole book.

Swipe for a quick breakdown, and if you want to talk about what term length makes sense for you right now, I’d love to help.

705-927-3560. 📲

[peterborough, PTBO, mortgage agent, Kawarthas]

05/28/2026

Don’t underestimate me when I say I love talking about mortgages and answering your questions!

Fixed vs. variable? Let’s discuss. First time buying? I have thoughts. Confused by something the bank told you? Oh, I have time to talk about that, too!

In all seriousness, one of the things I care about most is making sure my clients actually understand what’s happening at every step. No confusion, no guessing, no feeling like you have to figure it out alone.

I’m here for all the questions, and I’m always a call away. Let’s talk.

📲 705-927-3560

[Peterborough, mortgage agent, PTBO, Kawarthas]

05/08/2026

I’ve always believed that people do their best work and make their best decisions when they feel comfortable.

In my experience, finding that comfort in professional settings (i.e., between clients and service providers) is built on more than credentials or a polished online presence. It’s built through honesty. Through letting people see you, actually see you, before you ask them to trust you with something that really matters to them.

Buying a home is one of the biggest decisions you’ll make. I don’t take that lightly. And I never want someone to feel like they have to show up as a “perfect client” to deserve good advice.

So I show up as myself. Fully. Because I want you to know that you can, too.

Whatever your situation looks like, wherever you’re starting from, there’s a place for you here. 🫂🫶🏼

05/06/2026

When it comes to getting a mortgage approved, there are a lot of moving parts. Documents, timelines, lenders, conditions... It’s a lot to keep straight! 🤔

Some people love managing all of that themselves.

But actually... those people are lying. 😀

We’re here to handle the chaos so you don’t have to. We know what lenders want, what to watch for, and how to get you from “I think I want to buy” to “I have the keys!” without the mayhem in between.

Whenever you’re ready to take those first steps, call Kellie at 705-927-3560. (That’s me!)

05/01/2026

Red has been briefed. Red is ready. Red has absolutely no idea what a mortgage is, but she showed up, and did so looking cute as HECK. That counts for something around here.

Turns out finding the right superstar isn’t always that easy, but finding the right mortgage agent is!

📞 Give me a call at 705-927-3560 whenever you’re ready to start your home-buying journey.

04/30/2026

You’ve probably heard the term HELOC thrown around, but what does it actually mean?

HELOC stands for Home Equity Line of Credit. Here’s the simple version: if you own a home and have built up equity, a HELOC lets you borrow against that equity, much like a low-rate credit card secured by your home.

How is it different from your mortgage?

Your mortgage is an installment loan - you make payments reducing the balance. A HELOC is separate portion of the mortgage that gives you access to additional funds (up to a set limit) when you need them, without refinancing or starting over.

How people use HELOCs:

Home renovations (one of the most common uses)

Consolidating higher-interest debt
Covering unexpected expenses
Funding investment properties or education

You pay interest on what you actually borrow, not the full limit. And you can borrow up to 65% of your home’s appraised value through a HELOC alone, or up to 80% combined with your mortgage.

It’s one of those tools that a lot of homeowners don’t realize they have access to. If you’re curious whether a HELOC makes sense for your situation, reach out to me directly at 705-927-3560!

04/29/2026

There is an ✨ ART ✨ to sending an unusable picture of your documents.

Thumb over the date. Flash glare on every number. Photographed mid-fall to the floor. Only half the page. We have seen it ALL!

Sending clear, complete documents the first time around is one of the easiest ways to keep your file moving smoothly, and to keep you and your mortgage agent sane. :-)

Here’s a completely reasonable list of things we DON’T need:

❌ A photo of a screenshot on your phone
❌ A photo taken really far away
❌ Three separate images that together almost make one full page
❌ Anything with a thumb, a cat, or a shadow covering the important part

What helps:

✅ Full document, all four corners visible
✅ Flat surface, decent lighting
✅ One PDF or one clear image per document
✅ All of the pages of your document
✅ Ensuring your name is on everything you share

The faster and easier we can read your documents, the faster your file moves, and the fewer requests we need to make of you. That’s the goal.

Questions about what you actually need to send? Call me at 705-927-3560, I’ll walk you through it!

Address

Peterborough, ON

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 10am - 8pm
Sunday 9am - 8pm

Website

Alerts

Be the first to know and let us send you an email when Kellie Bonnici - BRX Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category