Brick and Bark Mortgages

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Canada
Toronto, ON
Brick and Bark Mortgages

Helping people navigate mortgages with confidence through clear advice, real options, and ongoing support.

Every deal also helps support rescue dogs through Bully Love Coalition 🐾🏡
Premiere Mortgage Centre #10317 Usually, nothing happens in our industry without financing, we have a diverse financial background ranging from securities to banking to residential mortgage. We have developed skills through multi year tenures with Scotiabank and TD Canada Trust before heading to independent brokering so I could offer maximum flexibility and financial solutions for our clients.

10/28/2026

Big news from the Bank of Canada this morning 🏡

The overnight rate went up by 0.25% to 2.50%. That’s the first change since last fall, after seven meetings in a row with no movement.

The reason? Inflation climbed to 3.1% in September, mostly because of rising energy prices.

So what does this mean for you?

✔️ On a variable rate? With prime now at 4.70%, your payment will likely increase.

✔️ On a fixed rate? Nothing changes until renewal.

✔️ Thinking about buying? A pre-approval with a rate hold is your best friend right now.

Rate changes can feel stressful, but you don’t have to figure it out alone. Send us a message and we’ll walk you through your options 💛

10/21/2026

Woof it up Wednesday. Today's fact is one worth repeating at every dog park!

Bullies sit in shelters far longer than they should, and housing rules are a big part of why. Owning your own place quietly solves that problem for a lot of adopters. Bullies are also some of the best blood donors around. Calm, sturdy, and happy to lie still for belly rubs, many bullies help save other dogs' lives through canine blood banks.

If a no pets clause is what is holding you back, message me and let's talk.

10/19/2026

The best mortgage on paper is not always the best one for you.

Maybe your income moves around, maybe you want the option to pay extra some years, maybe you plan to move in three. All of that should shape the product you sign, not just the payment.

Tell me what your next few years look like and I will find the fit!

10/17/2026

Pause when the ears line up!

Screenshot it and show me, I want to see who has the timing.

Timing matters in the mortgage world too, just with slightly less thumb work. Getting your preapproval sorted before you shop means you are ready when the right place shows up.

Message me when you want your own good timing sorted out!

10/14/2026

Buying with someone else is more common than people think, and it looks different every time.

What matters is how the ownership is set up and what happens if one of you wants out later. That conversation is much easier before you sign anything.

Thinking about buying with family or a friend? Message me and we will map it out!

10/09/2026

A fixer upper is not automatically a dead deal. It just needs a plan a lender can follow.

Sometimes that means a holdback for repairs, sometimes an improvement loan, sometimes a different lender entirely. The trick is knowing before you fall for the place.

Send me the listing and the inspection and I will tell you what we are working with!

10/07/2026

Offer nights are their own kind of chaos. Phone face down, snacks gone, everyone pretending to watch TV.

The part that makes it survivable is having your financing sorted first, so when the yes lands you are signing instead of scrambling.

Message me before you write your next offer and I will make sure your side is ready!

09/30/2026

Woof it up Wednesday, and a little about the rescue behind our name! 🐾

We have no shelter building. Every dog we take in waits in a foster home, which means volunteers and foster families are quite literally the rescue. That is also why one spare room can change a dog's whole story!

Interested in fostering or adopting? Reach out to [email protected]

09/24/2026

The renewal letter is not a bill. It is an offer.
Signing it is the easiest thing in the envelope, which is exactly why so many people just do it.

A quick look around first can change your terms, your payment, and how much room you have to breathe.

If yours is coming up, send me a message before you sign anything!

09/22/2026

Shopping for a mortgage should not feel like a second job!

That is my part. I dig through lenders, terms, and the fine print most people never see, then bring you the options that actually suit your situation instead of the first one that fits.

You get the shortlist, the plain explanation, and eventually the keys. Send me a message when you want to start!

Address

1655 Dupont Street, Suite 101
Toronto, ON
M6P3T1

Website

https://linktr.ee/sarasqueomortgages

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