Olivia Da Costa-Mortgage Broker

Olivia Da Costa-Mortgage Broker Mortgage Broker. Matching you with the right mortgage. I make it my job to highlight the fine print that the lenders themselves might not want you to see.

I am your friendly neighbourhood Mortgage Agent, with over 16 years of experience in residential and commercial financing. Working together with clients to find them the most suitable option at the lowest rate, is not only my profession, it is my passion. The best part of my job is helping clients to achieve their home ownership dreams, and being able to give them the tools and advice to help them

pay off their mortgage faster. When you work with me, I am working for you, not the lender, so you can be sure that you are receiving sound, unbiased advice. I feel that transparency is key in building strong and lasting client relationships. What's important to me is that you not only get the best possible deal, but that you are so pleased with the service that you won't think twice about referring me your family and friends.

04/29/2026

The Bank of Canada has announced no change to the overnight rate.

The BoC continues to face challenges in setting interest rate policy due to global uncertainty and trade tensions, which remain the top concerns for consumers as a key driver of price pressures. Canadians are facing increasing financial strain, whether their goal is to purchase their first home or just to manage the higher cost of day-to-day living.

If you have a variable/adjustable mortgage, or a line of credit, today’s announcement means that your rate and minimum payment remain unchanged for now. No effect on fixed rate mortgages.

Next scheduled announcement is June 10th, 2026.

Olivia Da Costa
Mortgage Broker Lic m09001120
📱416-895-6861
💻[email protected]

House rich but cash tight?If you’re 55+ and own your home, a reverse mortgage could help you unlock up to 55% of your ho...
02/18/2026

House rich but cash tight?

If you’re 55+ and own your home, a reverse mortgage could help you unlock up to 55% of your home’s equity — without selling or making monthly mortgage payments.

In Canada, there are several reverse mortgage lenders that will help you to access tax-free cash while staying in your home, but it’s not for everyone.

✅No required monthly payments
✅Keep ownership of your home
✅Funds are tax-free and do not impact CPP or OAS
⚠ Interest compounds over time
⚠ Reduces the equity over time

The right strategy depends on your goals, cash flow needs, and long-term plans.

Thinking about retirement income options?
Send me a DM — happy to walk you through it.

Olivia Da Costa, Broker
📱416-895-6861

💻[email protected]

Thinking about buying a home or refinancing and no idea where to start? I am always happy to connect but if you’re feeli...
02/02/2026

Thinking about buying a home or refinancing and no idea where to start?

I am always happy to connect but if you’re feeling a bit shy or just want to play with some different scenarios on your own first, my free app has tonnes of amazing calculators built right in.

Worth checking out whether you plan to buy a home or already do!

Link in bio.

Olivia
📲 416-895-6861
💻 [email protected]

Tomorrow The Bank of Canada makes it’s first interest rate announcement for 2026 and the expectation is that the rate wi...
01/28/2026

Tomorrow The Bank of Canada makes it’s first interest rate announcement for 2026 and the expectation is that the rate will be held steady.

Looking beyond this week, most economists expect the Bank of Canada to remain on hold for most of 2026, unless the data shift or trade tensions escalate.

Markets continue to price in an extended pause, though some major banks still see potential for rate hikes near the end of 2026 if growth and inflation hold up, while others suggest that there is potential for more cuts.

That remains to be seen, but for now, variable and adjustable rate mortgages are making a comeback, while borrowers watch intently.

Swipe to see what the major banks are forecasting at this time, courtesy of Canadian Mortgage Trends.

Want to know if a variable option is the right choice for your upcoming purchase or renewal?

Let’s connect.

Olivia Da Costa, Mortgage Broker
Get A Better Mortgage Inc.
📲416-895-6861
💻 [email protected]

The Bank of Canada has announced a 0.25% rate reduction today, bringing Prime rate from 4.7%, down to 4.25%. 🔻 What does...
10/29/2025

The Bank of Canada has announced a 0.25% rate reduction today, bringing Prime rate from 4.7%, down to 4.25%. 🔻

What does this mean for you? If you have or are looking for a fixed rate mortgage, this does directly not affect you. 🚫

If you have an adjustable rate mortgage or a line of credit, your payments will go down. ↘️

If you have a variable rate mortgage, your payment will stay the same, but more of it will go towards the principal, shortening the life of your mortgage. 👏🏻

Sweet! 🍭

Have questions or shopping around?🙋🏻‍♀️

Give me a call to review your options.

📱Olivia 416-895-6861
💻[email protected]

07/04/2025

House hunting this weekend?

If you want to get pre-qualified for a mortgage on the spot, download my mortgage app for FREE and gain access to pre-qualification tool and several handy mortgage calculators. Link in bio.

Or, you can also just call me. I’d love to hear from you 🤩

📲416-895-6861
💻[email protected]

If you’re in a good position from an income standpoint and qualify for the mortgage, but just haven’t been able to gathe...
07/02/2025

If you’re in a good position from an income standpoint and qualify for the mortgage, but just haven’t been able to gather sufficient funds for down payment, this is for you!

There are a few potential solutions for you:

Borrowed down payment! As long as you qualify for the mortgage, while including the additional loan liability, it is possible to utilize unsecured sources of credit to contribute to your down payment.
Co-ownership! As long as you have at least 5% down, we can connect you with an investor who will contribute up to 15% more to bring your down payment to 20% which opens up a world of possibilities. This is not a loan and requires no payments. The house appreciation will simply pay the investor back in the same proportion they originally contributed when the house is sold.
Gifted funds from the Bank of Mom and Dad. Many parents are happy to help their children purchase a home. Some consider it an early inheritance.

Get in touch to discuss in more detail

Olivia 416-895-6861
[email protected]

Have you ever dreamed of building your own home? Construction financing is available. Olivia 416-895-6861olivia@smarthom...
06/30/2025

Have you ever dreamed of building your own home?

Construction financing is available.

Olivia 416-895-6861
[email protected]

Who wouldn’t love up to 5% of their mortgage in cash back? On a $600,000 mortgage, you could be eligible for up to $30,0...
06/25/2025

Who wouldn’t love up to 5% of their mortgage in cash back?

On a $600,000 mortgage, you could be eligible for up to $30,000 back in your pocket.

This could come in really handy when trying to furnish or renovate your newly purchased home.

Want to learn more?

Call today.

Olivia 416-895-6861
[email protected]

Being in business certainly has it’s benefits, but sometimes the income you declare is nowhere near enough to qualify fo...
06/23/2025

Being in business certainly has it’s benefits, but sometimes the income you declare is nowhere near enough to qualify for a purchase or refinance, even if your business is booming!

Did you know that for self-employed individuals, we can use business bank statements to help you qualify, and can forget about collecting tax documents? Not available at your bank 😉

If this is you, we should talk.

Olivia 416-895-6861
[email protected]


Address

Toronto, ON

Telephone

+14168956861

Website

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