Daryn Young, AMP Mortgage Broker

Daryn Young, AMP Mortgage Broker Mortgage Planner/Broker in Regina, SK with 22 years of progressive experience in Customer Service, Financial Planning, and Mortgage Brokering.

Hello, my name is Daryn Young and I am an Mortgage Broker with The Mortgage Firm in Regina, SK. I firmly believe the customer comes first especially when it involves one of the biggest investments you will ever make. Mortgage financing has become quite complex with constantly changing rates, terms, and products. With over 30 lenders available in the marketplace, let me negotiate the best possible

rates, terms, and products. This will save you a considerable amount of time and money. At the end of the day, you will feel confident that the right product and rate will be the best for you. We pride ourselves on the quality service we provide to our clients. Let me assist you on all levels of mortgage financing whether it is a pre-approval, new home purchase, equity take-out, debt consolidation, home improvement loan, or a new construction loan. Feel free to call me at anytime, I look forward to making your dreams a reality.

Knowing your mortgage, budget, and options gives peace of mind — it’s about clarity, not perfection.What’s one thing you...
05/29/2026

Knowing your mortgage, budget, and options gives peace of mind — it’s about clarity, not perfection.

What’s one thing you do to feel financially organized? 💬

Renewal time is your chance to reset your mortgage strategy and make sure it still supports your financial goals. It’s a...
05/27/2026

Renewal time is your chance to reset your mortgage strategy and make sure it still supports your financial goals. It’s a moment to reassess payments, rates, and options that may not have been available when you first signed.

With the right advice, a renewal can improve your cash flow, reduce interest costs, or set you up for your next big step.

I guide clients through these decisions, so nothing is overlooked. Let’s turn your renewal into a reset.

📈🏡 Your journey to homeownership isn’t about perfect timing — it’s about consistent progress, even when the market isn’t...
05/22/2026

📈🏡 Your journey to homeownership isn’t about perfect timing — it’s about consistent progress, even when the market isn’t predictable.

What small win have you achieved this month toward your home goals?

When you need access to your home equity, it’s easy to assume a HELOC is the go-to option, but that’s not always the ca...
05/20/2026

When you need access to your home equity, it’s easy to assume a HELOC is the go-to option, but that’s not always the case. In some situations, refinancing can actually be the more stable and cost-effective choice, especially when interest rates or long-term planning are part of the picture. It’s not about which option is “better” overall, it’s about what fits your life right now.

A refinance can sometimes offer a lower fixed rate, predictable payments, and the ability to roll other debts into one structured plan, while a HELOC often comes with variable rates and changing payments. Both have their place, and the right choice really depends on your goals.

Understanding the difference between these options can make a big impact on your peace of mind. Let’s take a moment to consider which one might work best for your situation 💭✨

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Markets change, interest rates fluctuate, but steady, consistent actions like saving, planning, and paying down your mo...
05/15/2026

Markets change, interest rates fluctuate, but steady, consistent actions like saving, planning, and paying down your mortgage always pay off in the long run. 💡

What consistent action has made the biggest impact in your financial journey?

Homeowners often wonder whether building equity or improving cash flow is more important. Both matter, but the right bal...
05/13/2026

Homeowners often wonder whether building equity or improving cash flow is more important. Both matter, but the right balance depends on your goals.

I help clients weigh their options so they can make confident decisions. Let’s find your financial sweet spot.

Realtors often say the strongest buyers are the ones who understand their financing before viewing homes. A solid pre-ap...
05/06/2026

Realtors often say the strongest buyers are the ones who understand their financing before viewing homes.

A solid pre-approval protects you from surprises and positions you to act quickly. I work closely with realtors to make sure your budget and strategy are strong and accurate.

Want to shop with confidence? Start with the numbers.

Consolidating debt into your mortgage can free up cash flow, but it’s not always the right move. ⚠️ Here are a few situa...
04/29/2026

Consolidating debt into your mortgage can free up cash flow, but it’s not always the right move.

⚠️ Here are a few situations to watch out for:

💸 Short-Term Debt - If it’s small and manageable, rolling it into your mortgage could cost more in interest over time.
📈 Variable Rate Risk - Adding debt to a mortgage with a variable rate could increase your exposure if rates rise.
⏳ Long-Term Commitment - Extending your mortgage to pay off debt may save monthly cash but could mean paying longer overall.

Understanding when consolidation doesn’t make sense is just as important as knowing when it does.

A collateral charge mortgage is a type of mortgage registration that allows the lender to secure your mortgage for an am...
04/24/2026

A collateral charge mortgage is a type of mortgage registration that allows the lender to secure your mortgage for an amount that may be higher than what you actually borrow. In some cases it can be registered for up to 125 percent of your home’s value. This gives the lender the ability to offer you additional credit in the future without needing to fully re-register the mortgage.

This structure can be helpful if you plan to access equity down the road, but it can also limit your flexibility. If you want to switch to another lender at renewal, you may need to pay legal fees to discharge and re-register your mortgage somewhere else.

Knowing whether your mortgage is a standard charge or a collateral charge can make a big difference when planning ahead. If you are unsure which one you have or want to understand what works best for your situation, I can help you sort through the details.

Title insurance helps protect homeowners against certain ownership issues that may arise after closing. This can include...
04/22/2026

Title insurance helps protect homeowners against certain ownership issues that may arise after closing. This can include title defects, liens, or errors in public records. It is typically a one-time cost paid at purchase or refinance.

This is something I’m always happy to explain in more detail.

Address

Regina, SK
S4V1P5

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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