Chad Denie, Mortgage Agent

05/22/2026

Yesterday I had the pleasure of participating in the annual Wellness Fair for the employees of the . Keeping Financial Health top of mind helps clear away additional stresses associated with money. Teaching people how to effectively utilize their mortgage products to grow wealth is a passion of mine and I'm grateful for the opportunity to have been welcomed by a business who prioritizes their team members health and wellness in all forms!

03/10/2026

Mark your calendars!

10/24/2024

Calling all wealth builders! Big changes coming down in January which will allow you to use equity in your home to fund the building of a secondary rental suite on your property. For anyone wanting to build an income generating unit to their home, this should be a welcome change. Increase your property value AND secure an additional source of income utilizing your own equity!

If you are interested in more information about the changes coming down the line and how you can take advantage of them, let's chat! DM for details.

09/10/2024

I have some thrilling news to share that I couldn't wait to tell you about! After 5 successful years of serving you at Ultimate Mortgage Group, I'm excited to announce I have joined the launch of our new brokerage—Mortgageville!​​​​​​​​​
Why Mortgageville? 🤔

At Mortgageville, our mission remains the same: to provide you with unparalleled service and the best mortgage solutions tailored to your needs. Our new name reflects our commitment to creating a supportive community where you and your clients can find everything they need to complete their home financing journey. With over 60 lenders we’ll continue to provide best rates and flexible options to ensure your needs are met.

What Can You Expect from Mortgageville? 🏠

• Expert Guidance: Our experienced team is still here for you, ready to offer personalized support and advice to help you navigate the mortgage landscape.

• Innovative Solutions: We're bringing fresh ideas and innovative products that cater to the evolving needs of homebuyers and homeowners.

• Community Focus: With Mortgageville, we’re not just about transactions; we’re about building lasting relationships within our community by supporting local charities because as our new name implies – It takes a village!

Thank you for being a part of this journey with me. I look forward to continuing to serve you with even more dedication and passion at Mortgageville!

07/02/2024

06/28/2024

Home is where the heart is, and at Ultimate Mortgage, we celebrate love in all its forms. Happy Pride Month to our incredible community of homeowners, homebuyers, and real estate enthusiasts! 🏠🌈

06/05/2024

Today, the Bank of Canada announced a rate cut of 0.25% to the overnight lending rate. This is the first rate cut since 2020 when the BoC began its rate hike period and will come as a sign of relief to those who are feeling the weight of higher monthly payments. Will this spark the market into a buying frenzy? Time will tell. For now, those with variable rate mortgages can expect a reduction on their monthly payments moving forward. This is the first reduction of many anticipated as we ease towards a 2% inflation rate with the expectation to hit net neutral rates (baseline rates) by the end of 2025.

Refinancing this year and afraid of what rates to expect? Give me a call and we can set up a renewal strategy for success!

03/26/2024

Want to save THOUSANDS passively? Did you know that by switching your monthly payments to accelerated bi-weekly payment could potentially pay off your mortgage over two years FASTER , plus SAVE you from paying interest to the bank for those extra two years?! Talk about a win-win! A simple passive switch to paying ever two weeks (mirroring your Friday pay day?) could save you from owing the bank thousands in extra interest charges. ​​​​​​​​​
If you are interested in exploring how a simple payment schedule change can benefit you, lets talk!

03/06/2024

This morning, for the second rate announcement of 2024, the Bank of Canada announced they would be holding the rate at 5%. This is good news, and is in line with market sentiment that this hold period will continue until mid-year when we anticipate the first rate reductions to begin, provided inflation continues on a downward trend towards the 2% target the Bank is aiming for.

It is now a great time to set up your pre-approvals for the spring market before housing prices climb with an influx of investors hitting the market once the upcoming rate reductions are announced.

Book a call with me today! Link in bio to schedule.

02/05/2024

"Despite stronger-than-expected economic and push-back from the Bank of Canada itself in terms of rate-cut timing, a majority of influential economists and analysts still expect rates to start falling by April.

That’s according to the Bank of Canada’s latest quarterly Market Participants Survey, which consists of a questionnaire sent to 30 influential financial market participants.

Based on the median survey results, the participants expect the Bank of Canada to cut its policy rate by 25 basis points starting in April, followed by another 75 bps by December."

Despite stronger-than-expected economic and push-back from the Bank of Canada itself in terms of rate-cut timing, a majority of influential economists and analysts still expect rates to start falling by April.