Mortgages with Sonya

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Mortgages with Sonya My approach is built on trust, education, and tailored solutions.

I’m a Mortgage Broker specializing in separation and divorce, helping clients navigate important financial transitions with thoughtful mortgage strategies and personalized solutions.

Pre-Approved Today. Will You Qualify for Your Mortgage at Closing? Considering buying a pre-construction home in Ontario...
10/16/2026

Pre-Approved Today. Will You Qualify for Your Mortgage at Closing?

Considering buying a pre-construction home in Ontario? Your purchase may be years away from closing, and your financial circumstances can change.

An initial mortgage pre-approval does not guarantee that you will qualify when your home is ready.

Understanding what lenders will assess and planning ahead can help you prepare for the financial commitment.

Read my latest blog at mortgageswithsonya.ca to learn why mortgage planning should start well before closing.

Considering pre-construction? Let’s start a conversation early, so you can plan with confidence.

PRE-CONSTRUCTION BUYING: PART 2 OF 3Your Down Payment Is Ready. But Are You Ready for Closing? Considering buying a pre-...
10/15/2026

PRE-CONSTRUCTION BUYING: PART 2 OF 3

Your Down Payment Is Ready. But Are You Ready for Closing?

Considering buying a pre-construction home in Ontario? Your down payment is only part of the financial picture.

Are you prepared for the costs and financial commitments that come when your home is ready?

Planning ahead can make all the difference.

Read my latest blog at mortgageswithsonya.ca to understand what to consider before closing.

Considering pre-construction? Let’s start a conversation early, so you can plan with confidence.

PRE-CONSTRUCTION BUYING: A 3-PART SERIESPart 1: Is Pre-Construction Really Less Costly?For many buyers, purchasing pre-c...
10/14/2026

PRE-CONSTRUCTION BUYING: A 3-PART SERIES

Part 1: Is Pre-Construction Really Less Costly?

For many buyers, purchasing pre-construction is a way to get into the real estate market and own a brand-new home. There is also a common perception that buying from a builder will cost less than purchasing an existing property.

But is it really less costly?

The financial commitment goes well beyond the purchase price and initial deposit. Buyers need to understand the additional costs, their contractual obligations and how their financial circumstances may affect their ability to complete the purchase when the time comes.

Even provisions such as an assignment clause, which may allow a buyer to transfer their purchase agreement subject to specific conditions, can have important financial implications. It should not be assumed to provide an easy way out if circumstances change.

Over the next three days, I’ll explore three important financial considerations for anyone buying pre-construction in Ontario:

Part 1: Understanding the True Cost
The deposits, additional expenses and financial commitments that go beyond the purchase price.

Part 2: Preparing Financially for Closing
The funds you may need, the closing process and the costs that can catch buyers off guard.

Part 3: Will You Qualify for Your Mortgage at Closing?

How changes in income, debt, interest rates and property value may affect your ability to secure financing.

The goal is to help buyers look beyond the purchase price, understand the full financial commitment and plan ahead with greater confidence.

Visit mortgageswithsonya.ca to read the full articles, or contact me to start a conversation about your mortgage options.

Separated? Property Not Selling? Considering Renting It Out?When a jointly owned property isn’t selling, renting it out ...
10/13/2026

Separated? Property Not Selling? Considering Renting It Out?

When a jointly owned property isn’t selling, renting it out may seem like the next best option.

But what happens when both parties are still on title and the mortgage is coming up for renewal or refinancing?

Will the lender assess the mortgage differently now that the property will be a rental? How will rental income be treated, and will both parties still need to qualify based on their financial circumstances?

A clear understanding, an agreement on the way forward, and a realistic timeline are important. Without them, both parties may find themselves financially tied to a property longer than expected.

Renting it out doesn’t automatically change your existing mortgage obligations. Planning ahead can help you understand your financing options and determine the next steps.

As a mortgage broker and Certified Divorce Specialist, I help clients explore their mortgage options during separation.

Let’s start a conversation before your next mortgage renewal.

[email protected]
416-500-8905

Wishing you and your loved ones a warm and happy Thanksgiving filled with love, gratitude, and special moments together.
10/12/2026

Wishing you and your loved ones a warm and happy Thanksgiving filled with love, gratitude, and special moments together.

Your home is part of your investment portfolio.We often think about investments as stocks, funds, or savings.But for man...
10/09/2026

Your home is part of your investment portfolio.

We often think about investments as stocks, funds, or savings.

But for many homeowners, their home represents a significant part of their overall wealth.

As retirement approaches, especially when living on a fixed income, it may be worth asking:

Which assets should I use, and which should I keep?

Accessing home equity through a reverse mortgage may be one option to explore, without selling your home.

It’s about understanding your choices and deciding what makes sense for your situation.

[email protected]
416-500-8905

Who says retirement means downsizing?Living on a fixed income means every financial decision matters.You may have invest...
10/08/2026

Who says retirement means downsizing?

Living on a fixed income means every financial decision matters.

You may have investments, but selling them could trigger capital gains. And maybe you’re not ready to leave the space you’ve called home.

Accessing your home equity may be another option to consider.

Let’s look at your options together.

[email protected]
416-500-8905

10/07/2026

Have you registered yet? 🎉 Join us on Tuesday, October 20 from 9am-5pm at Hazelton Manor Banquet and Convention Centre in Vaughan, just North of Toronto for BizX 2026 Business Expo & Conference! 🏢 👉 REGISTER NOW: https://gtapreneurs.com/bizx-business-expo-toronto

You will meet hundreds of small business owners and entrepreneurs all looking to meet you and do business together, including GTApreneurs' Leadership Team - Balbir K Pabila, Sonia Kurmey Wellness with Arbonne, Yolande Noble-Loftman, Robert J. Kennedy Mortgages by Michelina, Mortgages with Sonya and our many exhibitors, members, other guests, and our sponsors and Featured Speakers, including Mohamed Basma from ADP; Nile Saïd, GoOneUp; Muhammad Kha Khan, CMA, MBA, CFOs in Action; Angie Nezarati, Everyday Business; Bruno Teixeira, Aegis AI & Analytics; Helen Ching, RRC®, MBA, P.Eng., and Svetlana Ratnikova, Immigrant Women in Business.

🤝 This is a once-a-year opportunity you dont want to miss! 🌟

We hope to see you there!

Separated, but your name is still on the mortgage?Separation may change your living situation, but it does not automatic...
10/07/2026

Separated, but your name is still on the mortgage?

Separation may change your living situation, but it does not automatically remove you from the mortgage.

If one person plans to keep the home, there are mortgage considerations to work through before making decisions.

Let’s have a conversation about your options and what may be possible.

[email protected]
416-500-8905

New house? New car?If you’re in the middle of a mortgage approval, a major purchase can affect your borrowing picture an...
10/06/2026

New house? New car?

If you’re in the middle of a mortgage approval, a major purchase can affect your borrowing picture and mortgage approval.

A new car, large purchase, or new credit account could change things before closing.

Before making a major financial move, let’s talk.

[email protected]
416-500-8905

Address

489 Queen Street E. 4th Floor
Toronto, ON
M5A1V1

Telephone

+14165008905

Website

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