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Chris Bonham-Carter - TMG Performance

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Canada
Picton, ON
Chris Bonham-Carter - TMG Performance

Mortgage agent in Prince Edward County
FSRA lic # 12070
Agent level 1

03/09/2026

Monday Mortgage Tip

Using home equity for investment in Ontario involves tapping into your home’s value—typically up to 80% of its appraised value minus your mortgage—through a Home Equity Line of Credit (HELOC), a refinance, or a second mortgage. Popular strategies include investing in rental properties, boosting retirement portfolios, or renovating to increase property value.

Key Ways to Access Equity
HELOC (Home Equity Line of Credit): A revolving, variable-rate line of credit, similar to a credit card, allowing you to borrow, repay, and reuse funds as needed.

Home Equity Loan (Second Mortgage): A lump-sum loan with a fixed interest rate and a set repayment term.

Cash-Out Refinance: Replacing your current mortgage with a new, larger one to access cash, often used for major investments.

Some options work better for others. Shoot me a DM saying "Investments" to discuss how we can make your money work harder for you.

03/04/2026

Waiting for a lower rate? Here's why you should buy now.

Waiting for mortgage interest rates to drop before buying a home can often be a counterproductive strategy, as lower rates frequently lead to higher home prices due to increased demand. The consensus among real estate analysts suggests that acting now allows buyers to avoid increased competition, start building equity, and potentially refinance to a lower rate later.

1. Home Prices May Rise When Rates Drop
2. High Demand Equals Low Negotiation Power
Waiting for lower rates means waiting to enter the market alongside
3. Immediate Equity Accumulation
4. You Can Refinance Later
5. Lower Rates Aren't Guaranteed
6. The "Waiting Penalty."

DM me a number "1-6" to discuss some of these reasons why you should marry the house, and date the rate.

03/02/2026

Here's a Monday morning mortgage tip for you.

Choosing the right mortgage term involves balancing your need for budget stability against the flexibility to adapt to changing interest rates or life circumstances. The term—the length of time your contract, including the interest rate, is locked in—is typically 3 or 5 years in Canada, though 1 to 10 years are available. The best choice depends on your risk tolerance, financial stability, and future plans, such as moving.

DM me "Term" to discuss which mortgage terms might work best for you.

02/27/2026

Using potential rental income to qualify.

02/25/2026

Here's how to give your down payment a big boost. 🚀

Ontario first-time buyers can withdraw up to $60,000 tax-free from their RRSPs through the Home Buyers’ Plan (HBP). 💸 If you’re buying with a partner, that’s $120,000 for your down payment. You have a two-year grace period before you even need to start the 15-year repayment plan. Call it an interest-free loan to yourself.

Is your down payment sitting in the right account?🏛️ DM me 'HBP' to see if this strategy works for you.

10/16/2025

It's been a while since I've posted. It's been a while since I've updated my pictures as well.

I am not very good at social media. I've spent most of my life without it. While I know it's a valuable tool and I can tell myself that "I'll be better at it this year!", the truth is I won't, and I've come to accept that.

If you're looking to purchase a home and need a pre-approval or general mortgage advice, I'm just a call/text away. I will still try to make the occasional informational post, but I feel that my energy and time spent on these things could be better redirected into something more productive. I think that very few people actually find mortgage facts and info interesting until they need it. Maybe I am wrong, though.

I quit working in the service industry this year and have focused my time on mortgage brokering. If you are involved in real estate, banking, or finance, chances are I will be reaching out to you pretty soon. I always prefer face-to-face interactions.

Also, I still play live shows quite often, so if you want to watch your mortgage broker shred the solo to Freebird, or whistle along to Bobby McFerrin, come hang out.

Anyway, there's my semi-annual post for the year. See you soon.

08/26/2025

International Dog Day celebrates our loyal canine companions and raises awareness about dog adoption and the importance of providing safe homes. It highlights dogs' critical roles, from being faithful friends to serving as therapy and service animals. Dog lovers worldwide celebrate by organizing events, sharing pet stories, and engaging in activities to promote dog well-being, like volunteering, donating, or spending extra time with their pets. This day reminds us of the joy dogs bring and our responsibility for their health and happiness. Celebrate by spreading love for our furry friends, whether you own a dog or consider adopting one.

08/19/2025

World Photography Day, celebrated on August 19th, honours photography's art, science, and history. It emphasizes global appreciation for photography's creativity, capturing moments that inspire and tell stories. Photography transcends cultural boundaries as a universal language, encouraging photographers to share their work widely. The day originated with Louis Daguerre's daguerreotype invention in 1837. Despite shifts from film to digital, the essence of capturing moments endures. Today, people are inspired to explore creativity, learn new techniques, and appreciate everyday beauty through workshops, exhibitions, or simply taking photos.

08/12/2025

International Youth Day celebrates the incredible energy, creativity, and potential that young people bring to the world. Observed annually on August 12th, this day serves as a reminder of youth's critical role in shaping our future. It's a time to acknowledge their contributions and to address the challenges they face. Young people are at the forefront of driving positive change through their activism, innovation, or artistic expression. Let's support and empower them to continue breaking barriers and building a more inclusive and sustainable world for all.

08/08/2025

International Cat Day, celebrated on August 8th, celebrates cats and the joy they bring. It's a day to appreciate cats, promote their well-being, and highlight the importance of adopting shelter cats. Whether with a playful kitten or a wise old cat, it's a time to celebrate your bond and their positive impact.

07/30/2025

International Friendship Day is a time to celebrate the bonds we share with our friends and express gratitude for the laughter, support, and adventures that friends bring into our lives. Whether you're reminiscing about shared memories or creating new ones, take a moment to let your friends know how much they mean to you. Share a heartfelt message or a memorable photo, or plan a get-together to cherish the connection. Let's honour the friendships that enrich our lives and strengthen our global community.

Address

296 County Road 1
Picton, ON
K0K2T0

Opening Hours

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

Telephone

+16475593260

Website

http://Cbcarter.ca/

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