Kat Brazier Mortgages with Mortgage Powered Financial Group - MPFG

08/01/2026

Long weekend at someone else's cottage. Rite of passage in this province.
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Here's the part almost nobody asks about.
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Lenders sort cottages into two buckets, and the gap between them is huge.
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Type A is the winterized one. Year-round road access, permanent heat source, drinkable water, real foundation. That can go with as little as 5% down. Same insured financing as any other home.
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Type B is the rustic one. Floating foundation, seasonal road, sometimes boat access only, water that runs but you wouldn't drink it. CMHC won't insure a Type B at all. Sagen and Canada Guaranty will, starting at 10% down.
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Two buckets. Two completely different conversations.
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Most people assume it's 20% or nothing and stop there.
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It usually isn't.
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So which one are you sitting at this weekend?
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DM me to start.
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Brazfam Mortgage Powered Financial Group

07/21/2026

A second opinion on your mortgage is free. Sometimes it's worth a lot.
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She was quoted a rate that made her stomach drop and told it was the best she could do with her credit. It wasn't. We found lenders nowhere near that first number, and she's settled in her home now paying something that feels fair.
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A decision this big deserves a second set of eyes. If a number you've been given doesn't feel right, DM me to start. No pressure either way.
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Brazfam
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07/02/2026