The Mills Team

11/06/2025

**💸 28 Days to Better Cash Flow! 💸**
Imagine more money in your account and more freedom to live — all in just **4 weeks**.
✅ Lower monthly payments
✅ Free up cash
✅ Reduce financial stress

Whether it’s travel, family, or simply breathing easier, it starts with a smart refinance.
📞 Candice Joy | Mortgage Agent L2
TMG Mills Team | FSRA #10315
📧 | 📱 613-558-1143

**Apply now and start living life on your terms!**
👉 https://www.millsteam.ca/apply.aspx

*Note: Closing times may vary depending on paperwork, appraisals, and lender requirements. We’ll help streamline the process and work with lenders ready for these files.*

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10/28/2025

Next BoC rate announcement coming this week!

🇨🇦 Why the Bank of Canada’s Rate Announcements Matter to You

In 2025, the Bank of Canada (BoC) will make eight rate announcements — each one with the potential to affect your mortgage, loans, and overall financial plan.

These decisions influence how much it costs to borrow money — impacting millions of Canadians, from first-time homebuyers to seasoned investors.

Let’s break it down 👇

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🏦 What Is the BoC Rate?

The overnight rate set by the Bank of Canada is the interest rate that influences how much it costs banks to borrow from one another.

When the BoC adjusts this rate, it directly affects variable-rate mortgages, lines of credit, and some business loans.

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📈 When the BoC Raises Rates:

Variable mortgage payments increase

Borrowing costs go up (credit cards, lines of credit, etc.)

It becomes more expensive to take on new debt

The goal? To cool inflation and slow down spending in the economy.

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📉 When the BoC Lowers Rates:

Borrowing costs decrease

Homeowners with variable mortgages may see lower payments

It encourages borrowing and economic growth

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💡 Why It Matters to You:

Even a 0.25% change can impact your monthly payment, your debt repayment timeline, and your overall financial flexibility.

By keeping an eye on the eight scheduled rate announcements in 2025, you can make proactive decisions about refinancing, locking in a fixed rate, or managing variable debt effectively.

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📞 Let’s Build a Strategy That Moves With the Market

I help Canadians stay informed and financially prepared — no matter what direction rates move.

Candice Joy
Mortgage Agent Level 2
Mills Team TMG
613-558-1143
[email protected]
FSRA License #10315

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🔖

10/27/2025

The BRRR Method: Build Wealth Through Real Estate

💡 Ever heard of BRRR?
It stands for Buy, Rehab, Rent, Refinance, Repeat — and it’s one of the smartest ways to grow your real estate portfolio while building long-term wealth.

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🔹 Here’s How It Works:

1️⃣ Buy — Find an undervalued property with strong potential.
2️⃣ Rehab — Renovate or upgrade to increase property value.
3️⃣ Rent — Get reliable tenants and start earning monthly income.
4️⃣ Refinance — Pull out your new home equity to recover your initial investment.
5️⃣ Repeat — Use those funds to buy your next property!

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💰 Why It Works:

You’re building equity and cash flow at the same time.

You recycle your investment capital instead of saving for years.

You create passive income and long-term wealth.

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📞 Ready to Start Your BRRR Journey?

Whether you’re buying your first rental or scaling your portfolio, I can help you find the best financing options to make it happen.

Candice Joy
Mortgage Agent Level 2
The Mills Team
📱 613-558-1143
📧 [email protected]
TMG The Mortgage Group
🏡 FSRA License #10315

10/23/2025

Turn Your Home Equity into Monthly Cash Flow!

If you are carrying high-interest debt on credit cards or car loans, you could be paying hundreds more each month than you need to.

Here’s how a smart refinance can help 👇

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🏠 Before Refinance

Mortgage: $400,000 @ 5.25% → $2,392/mo

Credit Cards: $25,000 @ 19.99% → $750/mo

Car Loan: $20,000 @ 9.5% → $420/mo
💰 Total Monthly Payments: $3,562

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🔁 After Refinance

New Mortgage: $445,000 @ 4.89% (includes debt payoff)

New Monthly Payment: $2,345

✅ Monthly Savings: $1,217 in extra cash flow!

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🌟 The Benefits:

✔ Pay off high-interest debt using your home equity
✔ Save over $1,200/month
✔ Simplify your payments
✔ Free up money to invest, renovate, or build savings

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📞 Let’s Boost Your Cash Flow Today!
📞 Contact me today to find out how much you could save:
Candice Joy,
Mortgage Agent Level 2
TMG
📱 613-558-1143 |
[email protected]
FSRA #10315

10/15/2025

Christmas and Holiday Savings Strategy
The best time to plan for December is now. A quick review of payment frequency or terms could free up extra cash before the holidays. Contact me to explore options.

01/27/2025

New program helps homeowners build rental suites.

01/25/2025

01/25/2025

PURCHASE PLUS RENOVATIONS

as the housing market begins to pick up PLEASE REMEMBER

if you find a home that is ALMOST PERFECT, you can include many upgrades into the mortgage!

-upgrade the kitchen
-upgrade the bathroom
-build a garage
-finish a basement
and more.

A pre approval is necessary for this product, Let's talk!

Candice Joy
[email protected]
(613) 558-1143
www.millsteam.ca
Mortgage Agent L2
TMG
FSRA 10135

We bring to you a one-stop convenience and impartial advice when you shop for your mortgage. We offer a computerized service that can present your mortgage requirements to many lenders. We can find the mortgage that best suits your financial needs.

01/22/2025

First-time buyers, did you know 30-year amortizations are now an option for insured mortgages? Learn how it lowers monthly payments.

01/20/2025

Before simply signing the renewal offer from ANY financial institution it is crucial that you pause to truly consider what the next 2-5 years looks like for you.

Here are a few things to consider

1) How many years do you see yourself staying in your current home? Is there the potential to move? If yes, let’s discuss more flexible options

2) Are you going to want to make any improvements to my home?
Renovations, + bedrooms, building a garage, granny suit, landscaping, finishing a basement

3) How is your current cash flow? Could you benefit from a lower payment or access to emergency funds?

4) How is your overall net worth? ( Liability VS Asset ratio)? The last 5 years have been very challenging, could you benefit from getting some debts under control?

5) Is your payment going to increase substantially? Have you had options offered to you, to mitigate the payment shock?

6) Are you expecting any major life changes?
Having a baby
marriage
Kids moving out
Family moving in
Career change
Starting a business
Going down to 1 income

7) Looking more seriously at retirement or Investing for retirement?

8) Are you familiar with the different rate options available? fixed, variable, adjustable and protected rates?

9) Has anyone discussed the benefits of using a secured line of credit versus higher interest unsecured personal lines or even higher interest credit cards?

Your home is your largest asset and your biggest expense, take the time to protect it and plan.

Your home can HELP, have the conversation.

Candice Joy
[email protected]
www.millsteam.ca
6135581143
Mortgage Agent L2
FSRA10135

We bring to you a one-stop convenience and impartial advice when you shop for your mortgage. We offer a computerized service that can present your mortgage requirements to many lenders. We can find the mortgage that best suits your financial needs.

11/21/2024

With the housing market improving, inventory increasing and rates dropping:

are you thinking of making a move? .

have you been waiting for a specific change?

what has been holding you back?

what makes you want to make a change?

OR does this have little to no effect/impact on your current or future plans?

11/21/2024

Canadian Housing Market Rebounds in October. Here are a few key points
-sales reached their highest level since early 2022, up 7.7% from September
- Compared to October 2023, sales were up by 30%
- new listings remain at some of their highest levels since mid-2022.
-The increase in sales reduced inventory levels, which fell to 3.7 months from 4.1 in September.
-the national average selling price rose 6% year-over-year to $696,166.

Overall, October signaled a positive shift in the housing market for Canadians.