Cathy Falzetta Mortgage Agent and Insurance Broker

07/27/2026

The protection side of by business…Blue Harbour Financial

We’re proud to announce that Blue Harbour Financial Inc. is now a BBB Accredited Business!
This accreditation reflects our continued commitment to integrity, transparency, trust and providing exceptional service to our clients.
Thank you to our clients and community for your continued support!

06/12/2026

RRSP season isn’t the only time to think about your retirement savings.

Regular RRSP contributions can help reduce taxable income today while allowing your investments to grow tax-deferred for the future. Small, consistent contributions can make a significant difference over time.

The key is getting started and staying consistent. 📈

06/12/2026

🏦 The Bank of Canada has announced that it will maintain its key interest rate at 2.25%, providing continued stability for borrowers, homebuyers, and homeowners across Ontario. This marks another rate hold as the Bank continues to monitor inflation and economic conditions before making further adjustments.

For buyers, a stable interest rate environment can offer greater confidence when planning a home purchase. Mortgage rates remain relatively predictable, helping buyers better understand their borrowing power and monthly payment expectations. Sellers may also benefit from steady market activity as more buyers remain active and engaged.

Homeowners with variable-rate mortgages and those considering refinancing can also welcome the lack of change, as borrowing costs tied to the prime rate are expected to remain unchanged for now. While future rate decisions will depend on economic data, today's announcement provides some certainty in an otherwise evolving market.

Whether you're buying, selling, refinancing, or simply exploring your options, understanding how interest rate decisions affect your goals is important. Contact your realtor to discuss what today's announcement could mean for your next move.

06/05/2026

Love the surprise twist at the end! What else could you cut out to save money to buy a house? I’m surprised smoking isn’t on the list.

05/01/2026

The spring market is heating up! I can get you prequalified in minutes. Give me a call! 807-629-5904

🏠 Are you in the market to buy your first home? While it’s an exciting time, some of the
processes around home ownership can get confusing. Having the right team in your corner, including a strong mortgage agent, can help you avoid the common pitfalls and navigate your home buying journey with confidence! Here are 5 key mistakes to steer clear of:

1️⃣ Don't assume you won't qualify for a mortgage. Let's assess your situation together – good credit or not, there are solutions available!

2️⃣ Familiarize yourself with down payment options. From conventional mortgages to high-ratio options, we'll help you explore what works best for you.

3️⃣ Secure a mortgage pre-approval to know exactly what you can afford. It's your ticket to confidently house hunting within your budget.

4️⃣ Look beyond interest rates. Consider the mortgage solution as a whole, focusing on payment structures and flexibility for long-term savings.

5️⃣ Don't overlook closing costs. Be prepared for expenses like inspections, legal fees, and insurance.

Got questions? We're here to help! Reach out for personalized guidance. Your dream home is within reach. 📞

04/29/2026

Bank of Canada decides to hold policy interest rate steady, for now
This morning, the Bank of Canada chose to keep its overnight policy interest rate at 2.25%, low by historical standards and good news for borrowers.

While not a surprising outcome, economists are parsing the Bank’s statements carefully for signs that a policy change may be on the way, given recent oil prices and the resulting pressure on inflation.

This does not affect your fixed rate mortgages. That's a whole different story. If you want "the rest of the story," I'm always available for a chat to explore your options when it's regarding an upcoming purchase or renewal. I can also weigh options of breaking a current term if you are struggling with debt or the ever increasing costs of the basics! It might make sense to make a withdrawl of the equity available in your house.

Lets chat! 807-629-5904

03/26/2026

Proud to be on this award winning team! Carte Financial Group Blue Harbour Financial

We're proud to celebrate our incredible team at Carte Wealth! Our nominees have been recognized by the 2026 Wealth Professional Excellence Awards, demonstrating their dedication, integrity and positive impact in the industry.

Congratulations to our outstanding nominees:

𝗞𝗶𝗿𝗸 𝗣𝘂𝗿𝗮𝗶 – CEO of the Year
𝗔𝗻𝘁𝗵𝗼𝗻𝘆 𝗚𝗼𝗿𝗱𝗼𝗻 – Financial Literacy Champion
𝗙𝗿𝗮𝗻𝗰𝗶𝗻𝗲 𝗗𝗶𝗰𝗸 - The Equiton Award for Canadian Advisor of the Year
𝗕𝗹𝘂𝗲 𝗛𝗮𝗿𝗯𝗼𝘂𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 (𝗚𝗲𝗼𝗳𝗳 𝗠𝗮𝗰𝗚𝗶𝗹𝗹𝗶𝘃𝗮𝗿𝘆) - The Focal AI Award for Advisory Team of the Year (10 Staff or More)
𝗖𝗮𝗿𝘁𝗲 𝗪𝗲𝗮𝗹𝘁𝗵 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 - The Franklin Templeton Award for Dealer of the Year