Angie Zetchus - Indi Mortgage

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Angie Zetchus - Indi Mortgage Angie Zetchus | Mortgage Agent FSRA Level 1 M18001287 | Indi Mortgage - The Independent Mortgage Company FSRA 12403

Contact me if you need help with a mortgage.
09/18/2026

Contact me if you need help with a mortgage.

When your mortgage term ends, your lender will mail you a renewal offer. Most Canadians sign it and send it back. That i...
07/28/2026

When your mortgage term ends, your lender will mail you a renewal offer. Most Canadians sign it and send it back. That is one of the most expensive habits in personal finance.

Here's what that renewal letter won't tell you:

⚠️ You are not obligated to stay with your lender
⚠️ The rate they offer you is almost never their best rate
⚠️ Switching lenders at renewal costs nothing, and can save thousands

What you should do instead:

✅ Contact a mortgage agent (broker) 4–6 months before your renewal date — lenders can hold a rate for you in advance
✅ Compare offers from 50+ lenders, not just one
✅ Use renewal time to reassess your term, payment frequency, and whether refinancing makes sense
✅ Ask whether your current mortgage structure still fits your life and goals

Renewal isn't just paperwork. It's a financial opportunity, and it only comes around every few years. Don't let it pass without making it work for you.

📩 When does your mortgage renew? Let's start the conversation now.

Credit card debt at 19–22% interest. A car loan at 7–9%. A line of credit you've been carrying for years.Now look at you...
07/24/2026

Credit card debt at 19–22% interest. A car loan at 7–9%. A line of credit you've been carrying for years.

Now look at your mortgage rate.

If you've been in your home for a few years and have built up equity, a **mortgage refinance** could allow you to consolidate that high-interest debt into a single, significantly lower rate, freeing up cash flow and cutting what you pay in interest every month.

Here's how it works:

✅ You refinance your mortgage for more than you currently owe
✅ The difference is paid out to you in cash
✅ You use it to pay off high-interest debt
✅ You're left with one payment, at a mortgage rate, not a credit card rate

It's not the right move for everyone, and there are costs involved, including potential penalties for breaking your current term early. But for many homeowners, the math works strongly in their favour.

📩 Let's look at your equity position and find out if refinancing makes sense for you.

Being your own boss is one of the best financial decisions you can make. Getting a mortgage while self-employed? That pa...
07/23/2026

Being your own boss is one of the best financial decisions you can make. Getting a mortgage while self-employed? That part requires a different strategy.

Traditional lenders qualify borrowers based on T4 income, a straightforward number that doesn't reflect how most self-employed people actually earn. If you write off business expenses (and you should), your declared income on paper is often lower than what you actually bring home. Lenders see that lower number and approve you for less, or decline you entirely.

Here's what your options actually look like:

✅ Stated income programs — some lenders will consider your gross business revenue rather than net declared income, with strong credit and equity
✅ Bank statement programs — some alternative lenders assess your actual cash flow using 12–24 months of business banking
✅ Alternative and private lenders — offer more flexibility for non-traditional income, typically at slightly higher rates with a path back to prime lending
✅ Strong down payment — a larger down payment can offset income documentation challenges with certain lenders

The key is knowing which lender and which program fits your specific income structure. That's not something a bank will shop for you.

📩 Self-employed and ready to buy, renew, or refinance? Let's find the right fit.

Protect more than just your home.Mortgage payment protection is designed to cover your payments if you face unexpected c...
06/30/2026

Protect more than just your home.

Mortgage payment protection is designed to cover your payments if you face unexpected challenges like job loss, illness, injury or death. In today’s economic climate, security matters more than ever.

Whether you are buying your first home, refinancing, renewing, investing, or settling into life in Canada, having the right protection in place can give you peace of mind and keep your financial goals on track.

Mortgage Protection Plan(s) are more than a life insurance policy. A mortgage agent (broker) can help you understand your options and choose the right fit for your needs.

Let’s talk about how to add the right layer of protection for you and those you love.

📲 Like, follow, or share to stay informed and empowered.

Homeownership is an amazing milestone!🏡 It's more than just acquiring a place to live; it's an investment in your future...
06/26/2026

Homeownership is an amazing milestone!

🏡 It's more than just acquiring a place to live; it's an investment in your future and a foundation for financial growth. Our visual guide highlights key stages to preparing for your mortgage financing; from clarifying your buying power and understanding down payment requirements to optimizing your credit score and budgeting.

At the center of it all is working with a Licensed Mortgage Professional, like us, to guide you through every stage. We're here to help you navigate the journey smoothly and confidently!

Clarify Your Buying Power by getting a mortgage pre-approval. This sets a realistic budget and shows sellers you're serious.

Understand Down Payment Requirements, knowing it's 5% for homes under $500,000, and up to 20% for homes over $1 million. A larger down payment can save you on mortgage insurance.

Optimize Your Credit Score as a strong score is vital for a favorable mortgage rate.

Budget for Closing Costs, which can range from 1.5% to 4% of the purchase price, covering things like land transfer tax and legal fees.

Today, and every day, we honour Indigenous voices, cultures, and histories across Canada.National Indigenous Peoples Day...
06/21/2026

Today, and every day, we honour Indigenous voices, cultures, and histories across Canada.

National Indigenous Peoples Day is a time to listen, learn, and celebrate the rich traditions, knowledge, and contributions of First Nations, Inuit, and Métis communities.

We recognize the importance of truth and reconciliation and remain committed to fostering respect, inclusion, and meaningful connection in every community we serve.

Here’s to the dads who lead with heart, show up with strength, and build homes full of love and support.Today we celebra...
06/21/2026

Here’s to the dads who lead with heart, show up with strength, and build homes full of love and support.

Today we celebrate the father figures, stepdads, grandpas, and mentors who help shape our lives and communities.

Happy Father's Day!

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Toronto, ON

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+12264489969

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