Jesse Hazen Mallery - Mortgages

10/16/2026

🏡✨ FEATURE FRIDAY! ✨🏡

Looking to buy your first home or maybe downsize? 👀

Check out this cute, move-in ready bungalow in Moncton, listed at just $299,900! 😍

📍 47 Willowbend Drive, Moncton, NB
💰 $299,900
🛏️ 2 bedrooms + finished space downstairs
🌳 Spacious yard with a wrap-around deck
✨ Freshly painted and move-in ready!

💰 Wondering what your mortgage payments could look like? I've put together some financing estimates to give you an idea!

And remember, you don't necessarily need 20% down to buy a home! 😉

🏡 LISTING DETAILS
MLS®
Maxime Camire | Assist 2 Sell Hub City Realty
📞 506-229-9292
🌐 www.camirerealty.com

💰 MORTGAGE FINANCING
Jesse Hazen Mallery
Mortgage Broker (NB & NS) | Mortgage Agent L2 (ON)
BRX Mortgage Inc. | FSRA #13463
📞 647-559-6169
📩 [email protected]
🌐 www.jessehazen.ca

Financing estimates are for illustration purposes only. Subject to lender approval and qualifications.

10/16/2026

🛋️ Shopping for furniture before your mortgage closes? HOLD UP! 😂

I know, you've already picked out the couch, planned the decor, and probably have an entire Pinterest board ready! 🏡

BUT... before you start swiping that credit card or signing up for furniture financing, remember that your mortgage isn't a done deal until it funds!

Taking on new debt before closing could impact your approval, even if you've already received your mortgage commitment.

My advice? Get the keys FIRST, then go buy that couch! 😂🔑

Questions about buying your first home? Let's chat!

📞 647-559-6169
📩 [email protected]
🌐 www.jessehazen.ca

Jesse Hazen Mallery
Mortgage Broker (NB & NS) | Mortgage Agent Level 2 (ON)
BRX Mortgage Inc. | FSRA #13463

10/15/2026

Okay, settle this once and for all 👇

Are you 🔒 TEAM FIXED or 🎢 TEAM VARIABLE?

Comment FIXED or VARIABLE below! 💬

I'll share the results (and what each team should know before the Bank of Canada's next rate announcement on October 28) next week! 📊

Not sure which team you belong on? That's literally my job 😉 Happy to help in English or French 🇨🇦

—
Jesse Hazen Mallery
Mortgage Broker (NB & NS) / Mortgage Agent L2 (ON)
📞 1-647-559-6169
🌐 www.jessehazen.ca
✉️ [email protected]

BRX Mortgage Inc. | FSRA #13463 | 2025-3000962

10/14/2026

💸 A quarter-point on an $800,000 Toronto mortgage costs about $110 a month. That's roughly $6,500 over a five-year term!

Most people are told to "improve your credit and compare lenders." That helps, but it skips what actually moves your rate 👇

🏠 Why buyers with less than 20% down often get the lowest rates
📊 Why two lenders can be 0.30% apart on the same day
⚠️ The penalty fine print that can cost you thousands if you break your mortgage early

📖 I broke it all down in plain language in my new blog post:
👉 https://jessehazen.ca/blog/best-mortgage-rate-toronto

Buying, renewing or new to Canada? 🇨🇦 Send me a message. Happy to help in English or French! 💬
—
Jesse Hazen Mallery
Mortgage Broker (NB & NS) / Mortgage Agent L2 (ON)
📞 1-647-559-6169
✉️ [email protected]

A quarter-point on an $800,000 Toronto mortgage costs about $110 a month. Here’s what actually decides your rate, and how to get a lower one. That’s rough

10/14/2026

🏡 Who said you need to buy your first home in your 20s?! 🤔

The average age of first-time homebuyers in Canada is getting older, and with today's housing market, it's really not surprising!

Between mortgage stress tests, saving for a down payment, and the rising cost of pretty much EVERYTHING, more Canadians are purchasing their first homes in their mid-30s, 40s, and beyond.

And guess what? THAT'S OKAY! 🙌

Buying your first home isn't a race, and there's no magic age when you're supposed to become a homeowner.

What matters is making sure you're financially ready!

💰 Having a down payment that works for your situation.

💳 Building and maintaining good credit.

🏡 Understanding what you can comfortably afford.

📋 Having the right mortgage plan in place BEFORE you start shopping.

💡 My advice? Stop comparing your timeline to everyone else's. Focus on making the right financial decision for YOU!

👇 Thinking about buying your first home but not sure where to start?

Send me a message! Whether you're ready to buy now or just want to figure out what you need to work toward, I'm always happy to help you build a realistic plan. 😊

And remember, you don't need to be ready to buy TODAY to start having the conversation!

Jesse Hazen Mallery
Mortgage Broker (NB & NS) | Mortgage Agent Level 2 (ON)
BRX Mortgage Inc.
📞 647-559-6169
📩 [email protected]
🌐 www.jessehazen.ca

10/13/2026

🏡 Wait... I have a FIXED mortgage rate, so why did my mortgage payment go UP?! 🤯

This is something that can catch homeowners by surprise, and understandably so!

You locked in a fixed mortgage rate, but suddenly your monthly withdrawal increases by $50, $100, or even more.

So, what happened?! 🤔

If your lender collects your property taxes along with your mortgage payment (often called a tax account or escrow account), your payment is actually made up of TWO parts:

🏠 Principal & Interest: This portion is fixed and hasn't changed.

💰 Property Taxes: This portion is determined by your municipality, NOT your lender!

Here are a few reasons why your payment may have increased:

📈 Municipal Tax Increases: Your municipality may have increased its annual property tax rates, resulting in a higher tax bill.

🏛️ Property Reassessment: If your home's assessed value increased, your property taxes may have increased as well.

⚖️ Tax Account Shortfall: Your lender reviews your property tax account annually. If they paid more in property taxes than they collected from you, they'll adjust your monthly payment to cover the difference AND make up for the shortfall.

💡 The takeaway?

Your mortgage interest rate hasn't changed, but your property taxes have!

So, before you panic thinking something happened to your fixed mortgage rate, take a look at your property tax portion! 😊

👇 Noticed a change in your mortgage payment and aren't sure why?

Send me a message or drop a comment below! I'm always happy to review your lender statement with you and help you understand exactly where your money is going.

And yes, even if I didn't arrange your mortgage! 😉

Jesse Hazen Mallery
Mortgage Broker (NB & NS) | Mortgage Agent Level 2 (ON)
BRX Mortgage Inc.
📞 647-559-6169
📩 [email protected]
🌐 www.jessehazen.ca

10/05/2026

$6,000 saved, without waiting for renewal. 💰

Last week, I helped clients save over $6,000 on their mortgage, just by reviewing their current mortgage and comparing it to better options available to them.

$6,000... that's a LOT of Mexico trips. 😂☀️🌴

This is a FREE service I offer all my clients, and I'm now opening it up to the public!

Even if your mortgage isn't up for renewal yet, I'll monitor it and let you know when there's an opportunity to save.

Want me to keep an eye on yours? 👀

👇 Get started here:
https://mos.getbrokerplus.ca/embed/f/track-my-mortgage

Jesse Hazen Mallery
Mortgage Broker | NB & NS
Mortgage Agent Level 2 | ON
BRX Mortgage Inc. | FSRA #13463
📧 [email protected]
📱 (647) 559-6169

10/05/2026

Realtors: this one's for you. 👇

May 2024: A realtor referred me a client. The timing wasn't right, and they didn't end up buying.

But I didn't close the file and forget about it. I kept the clients in my CRM, kept detailed notes, tracked who referred them, and followed up with them along the way.

July 2026: Over two years later, they were ready to buy. Before doing anything else, I reached out to the realtor who originally sent them my way to let them know we were picking things back up.

Their response? They didn't remember the client at all. 😅

September 2026: The purchase funded. At a typical buyer-side commission, that's roughly $8,000 that realtor could have missed out on, for a client they'd completely forgotten about.

The lesson: Work with a mortgage broker who:
✅ Knows their stuff and works hard to get your clients approved
✅ Stays organized and keeps good notes
✅ Follows up, even when a deal doesn't happen right away
✅ Always remembers who sent them a client
✅ Brings you back into the transaction, long after you've forgotten about it

To me, a client is never just a transaction. I build real relationships and genuinely care about the people I work with and their success, whether they're buying next month or two years from now.

Your referrals are safe with me. Whether your buyers are ready today, need a little extra work to get approved, or are still a year or two away, send them my way. I'll take care of them, keep you in the loop every step of the way, and make sure you're part of the deal.

Jesse Hazen Mallery - Mortgages
📩 [email protected]
📞 647-559-6169
Mortgage Agent L2 (ON)
Mortgage Broker (NB & NS)
BRX Mortgage Inc. | FSRA #13463

10/03/2026

mortgage broker management platform

09/29/2026

Could you be saving money on your mortgage? 👀

I’m now offering my mortgage monitoring service to anyone who wants to stay on top of their mortgage, home equity, and potential savings.

It’s FREE, no obligation, and I’ll have your personalized report ready within 24 hours.

👇 Get yours here: bit.ly/mortgagemoneysaver

Don’t wait until renewal to find out you could’ve been saving!

Jesse Hazen Mallery
Mortgage Broker (NB/NS), Mortgage Agent L2 (ON).
📞 647-559-6169
📩 [email protected]
🌐 www.jessehazen.ca

mortgage broker management platform