Shiela Garvida Lic 10530

05/07/2026

If your mortgage is coming up for renewal, it is essential to contact me to explore your options. With today’s higher rate environment, some homeowners have difficulty qualifying at renewal and feel “stuck” with their current lenders.

The best thing you can do is get advice early and explore your options.

04/29/2026

Your home’s equity is working for you!

Refinancing can help you unlock new financial opportunities.
Let’s explore the possibilities!

12/10/2025

The Bank of Canada has held the overnight rate at 2.25%, signaling continued stability as we wrap up 2025 and look ahead to the new year. With encouraging signs in inflation, GDP, and employment, today’s rate hold helps keep borrowing conditions steady and predictable for Canadians.
This means:
✔️ Stable variable-rate mortgage payments
✔️ A clearer planning environment heading into 2026
✔️ Continued confidence in the market
Whether you're renewing, refinancing, or exploring new opportunities, I'm your support, just a message away.

11/26/2025

When it’s not the right fit, you feel it. Get advice from a mortgage professional who finds the solution built around you and your needs, not the other way around. Reach out today for a free consultation to discover your options.

10/21/2025

By refinancing your mortgage, you can roll multiple debts into one simple payment, often at a lower rate, helping you regain control and reach your financial goals faster.
Let’s talk about your options and find the path that works best for you.

03/14/2025

Your mortgage renewal is your opportunity to renegotiate your mortgage and possibly save thousands. Automatically renewing your mortgage with your current lender could mean you don’t get the best mortgage rate and terms you may qualify for.

01/15/2025

Reach out and let's have a conversation 📞☎️

It is important to know what you need in order to qualify for a mortgage. It is also important to know what factors could be holding you back from qualifying. Below are 5 key points that could be impacting your buying power.

1️⃣ Carrying too much debt
2️⃣ Poor credit history or not enough credit history
3️⃣ Not enough income or assets
4️⃣ Not enough of a down payment
5️⃣ Unstable employment history

If you feel that any of the above points could be impacting your chances of qualifying for a mortgage, reach out to your Mortgage Alliance Professional. They are armed with solutions and there to help.

01/14/2025

Mortgage rates can be misleading and complex. The lowest rates aren’t available for all situations like conventional mortgages, refinances, 30-year amortizations, and rental properties.

Rates are also used as a lure in online rate ads. But the reality is that once the fine print is read, many will find they don’t actually qualify for that rate, and often there are restrictions that could really cost homeowners in the long run.

If you see an online rate ad, do all the research you can but be sure to call your Mortgage Alliance Professional to discuss. It’s their job to understand your situation and look out for your best interests.

11/14/2024

🤔🏠 Considering a private mortgage? Know what you’re signing by asking the right questions.

Throughout Financial Literacy Month and beyond, FSRA is here to help you need to make informed decisions.

Keep the conversation going, and learn more about private mortgages here: https://bit.ly/41P5q5p

11/14/2024

Two major banks predict a 1.75% rate cut by late 2025, possibly lowering the Bank of Canada’s rate to 2.00%. With recent cuts already underway, now’s a great time to review your mortgage strategy. Whether you're leaning toward variable or fixed rates, your Mortgage Professional can guide you to the best choice for your goals.

Reach out today!