Mortgages By Monique, DLC Estate Mortgages Inc./DLC Modern Mortgage Group

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Mortgages By Monique, DLC Estate Mortgages Inc./DLC Modern Mortgage Group Monique Marcotte is a licensed mortgage expert in residential mortgages from Ontario to BC. I work for YOU, not the banks. Contact me anytime.

As a trusted Mortgage Expert with Dominion Lending Centres, I teach my clients the principles and strategies that I have personally used to become a proud homeowner. I believe in creating value and providing high levels of service to my clients. Consider me your 'personal mortgage shopper' as I take the 'in' out of inconvenience when it comes to mortgage shopping...kind of like 'one stop shopping'. From the first consultation to the signing of your mortgage, my services are complimentary. I am licensed to practice in all of Ontario and all of British Columbia. Download My Mortgage Toolbox app here: https://www.dlcapp.ca/app/monique-marcotte

29/04/2026

Welcome to the 𝐘𝐞𝐚𝐫 𝐨𝐟 𝐭𝐡𝐞 𝐅𝐢𝐫𝐞 𝐇𝐨𝐫𝐬𝐞… starts nice and easy… then suddenly... 🐎💨🔥
Yep… that’s the economy right now. 😏

Here’s the simple version:

𝐓𝐡𝐞 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐂𝐚𝐧𝐚𝐝𝐚 𝐡𝐞𝐥𝐝 𝐫𝐚𝐭𝐞𝐬… but there’s a lot bubbling under the surface... 👇🏻

• Inflation nudged up to 2.4% 📈
• Economy is slowing 🐢
• Hiring is tightening 💼
• Global chaos (oil, war, trade) 🌍💥 = higher costs

👉🏻So even though rates paused… things are still very much in motion.

𝐓𝐡𝐞 𝐠𝐨𝐨𝐝 𝐧𝐞𝐰𝐬? 𝐂𝐚𝐧𝐚𝐝𝐚 𝐢𝐬 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐨𝐧 𝐩𝐫𝐞𝐭𝐭𝐲 𝐬𝐨𝐥𝐢𝐝 𝐠𝐫𝐨𝐮𝐧𝐝. 🇨🇦
✔️ Strong banking system 🏦
✔️ Lower debt vs other G7 countries 🌎
✔️ Resource-rich (and the world still needs what we have)⛽️🔋

Now let’s talk 𝐡𝐨𝐮𝐬𝐢𝐧𝐠 🏡:

Prices are down about 18% from the peak in early 2022.📉
…but here’s the reframe 👇🏻
𝐓𝐡𝐚𝐭’𝐬 𝐧𝐨𝐭 𝐚 𝐜𝐫𝐚𝐬𝐡… 𝐭𝐡𝐚𝐭’𝐬 𝐚 𝐫𝐞𝐬𝐞𝐭 𝐛𝐚𝐜𝐤 𝐭𝐨𝐰𝐚𝐫𝐝 𝐦𝐚𝐫𝐤𝐞𝐭 𝐯𝐚𝐥𝐮𝐞. ⚖️

𝐖𝐇𝐀𝐓 𝐓𝐇𝐀𝐓 𝐌𝐄𝐀𝐍𝐒...

✨ More inventory
✨ More negotiating power 💪🏻
✨ Conditions are back
✨ Less pressure, more opportunity 👀

It’s a very different market than a few years ago.

𝐑𝐚𝐭𝐞𝐬 + 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲 📊:

• Variable rates are still lower than fixed (right now) 📉
• Fixed may trend up gradually 📈
• The “right” option depends on YOU… not headlines

👉🏻𝐓𝐡𝐚𝐭’𝐬 𝐰𝐡𝐞𝐫𝐞 𝐈 𝐜𝐨𝐦𝐞 𝐢𝐧!!! 😉

𝐓𝐡𝐢𝐬 𝐢𝐬 𝐰𝐡𝐞𝐫𝐞 𝐚𝐝𝐯𝐢𝐜𝐞 𝐦𝐚𝐭𝐭𝐞𝐫𝐬. 💡

Because in a Fire Horse kind of market…
things can shift quickly… and emotions can take over 🎢

The people who do best?
They’ve got a plan… and someone walking them through it

If you’re buying, renewing, or just trying to make sense of it all…
I’m here. 🙋🏻‍♀️👋🏻☎️💬📧

18/03/2026

𝐒𝐨… 𝐰𝐡𝐚𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐞𝐝 𝐰𝐢𝐭𝐡 𝐫𝐚𝐭𝐞𝐬 𝐭𝐨𝐝𝐚𝐲?👇🏻

The Bank of Canada held their overnight rate…expected. 😌

👉🏻 𝐖𝐞’𝐫𝐞 𝐢𝐧 𝐚 𝐧𝐞𝐮𝐭𝐫𝐚𝐥 𝐫𝐚𝐭𝐞 𝐞𝐧𝐯𝐢𝐫𝐨𝐧𝐦𝐞𝐧𝐭…
Not slowing things down…not stimulating either…just 𝐬𝐭𝐞𝐚𝐝𝐲.

👉🏻 𝐊𝐞𝐲 𝐩𝐢𝐞𝐜𝐞…
Inflation is BELOW target (~1.8%) 📉

𝐒𝐨 𝐰𝐡𝐲 𝐧𝐨 𝐫𝐚𝐭𝐞 𝐜𝐮𝐭𝐬? 🤔
Global uncertainty…🌍 (oil, geopolitics)

👉🏻 Not panic…𝐩𝐚𝐭𝐢𝐞𝐧𝐜𝐞

𝐀𝐩𝐫𝐢𝐥 𝟐𝟗𝐭𝐡? 👀
👉🏻 Expectation…another hold

𝐁𝐢𝐠 𝐩𝐢𝐜𝐭𝐮𝐫𝐞... 🇨🇦

Canada is in a 𝐬𝐨𝐥𝐢𝐝 𝐩𝐨𝐬𝐢𝐭𝐢𝐨𝐧…

✔️ Strong resource demand
✔️ Stable financial system
✔️ Adapting globally

👉🏻 While things feel messy…𝐂𝐚𝐧𝐚𝐝𝐚 𝐢𝐬 𝐡𝐨𝐥𝐝𝐢𝐧𝐠 𝐢𝐭𝐬 𝐠𝐫𝐨𝐮𝐧𝐝. 💪🏻

𝐖𝐡𝐚𝐭 𝐭𝐡𝐢𝐬 𝐦𝐞𝐚𝐧𝐬... 👇🏻

✨ Rates are stable
✨ More normal, balanced environment
✨ Time to plan, not panic

👉🏻 Buying, renewing, refinancing?
𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐯𝐬. 𝐭𝐢𝐦𝐢𝐧𝐠 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰.

𝐓𝐇𝐄 𝐁𝐎𝐓𝐓𝐎𝐌 𝐋𝐈𝐍𝐄...

Neutral rates…Inflation under control (below target)
👉🏻 𝐄𝐱𝐩𝐞𝐜𝐭 𝐬𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲…𝐧𝐨𝐭 𝐛𝐢𝐠 𝐜𝐡𝐚𝐧𝐠𝐞𝐬.

And despite the noise…
👉🏻 𝐂𝐚𝐧𝐚𝐝𝐚 𝐢𝐬 𝐢𝐧 𝐚 𝐩𝐫𝐞𝐭𝐭𝐲 𝐠𝐨𝐨𝐝 𝐬𝐩𝐨𝐭. 😅

04/03/2026

You are the absolute sweetest, Sheri. Thank you so much for those beautiful words. They hit where it counts. 🙏🏻❤️ I was so beyond happy to help you get here. Just so so happy for you. 💖

25/02/2026

Pink Shirt Day = Kindness EVERY DAY 💗

Bullying of any kind is NOT acceptable.
Today (and every day): be kind, choose love. 💞🇨🇦





13/02/2026

Love the little things. They’re actually the big things. 💕

Valentine’s Day might be a Hallmark holiday… but loving life isn’t. 💘


Good to know, especially for a Monday. 💖✨Quote by . 😊
09/02/2026

Good to know, especially for a Monday. 💖✨

Quote by . 😊

04/02/2026

This review. 🥲 One of my faves for sure. Thank you so very much, Nichole. 🙏🏻🥰

28/01/2026

Groundhog Day is early. 🏦🇨🇦%⏸😌🦫

Bank of Canada update coming soon! Stay tuned! 🚨⏳👩🏻‍🏫%📰🏦🇨🇦
28/01/2026

Bank of Canada update coming soon! Stay tuned! 🚨⏳👩🏻‍🏫%📰🏦🇨🇦

27/01/2026

I am so proud to say I’ve been part of this incredible network for almost as long as it’s been in business. The people, the culture, the heart behind it all… there’s truly no word that captures it better than pride. In my opinion, there is no better mortgage company out there than Dominion Lending Centres. Happy Birthday, Team Blue.💙🥳

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