Tricia McIntosh - McIntosh Mortgage Group

Tricia McIntosh - McIntosh Mortgage Group We support individuals to secure tailored mortgage products to suit their needs, at no cost to them

When budgeting for a home purchase, it's easy to focus on the down payment and forget about the expenses that come at th...
06/03/2026

When budgeting for a home purchase, it's easy to focus on the down payment and forget about the expenses that come at the finish line. 🏁

Closing costs are the fees associated with completing your home purchase and can include things like legal fees, title insurance, appraisals, land transfer costs, and other expenses required to finalize the transaction.

Because closing costs can vary based on the property, location, and financing details, it's important to plan for them early in the homebuying process. Having a clear understanding of these costs can help you avoid surprises and feel more confident when it's time to get the keys.

Thinking about buying a home? Let's chat about what to expect and how to prepare for all the costs involved so you can move forward with confidence. 🔑
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As a mortgage broker, I am here to help secure mortgage approvals for self-employed individuals. 💼I understand the uniqu...
06/01/2026

As a mortgage broker, I am here to help secure mortgage approvals for self-employed individuals. 💼

I understand the unique financial challenges self-employed individuals face and have access to lenders who offer flexible options tailored to their needs. Don't let your self-employment status hold you back from homeownership.

Are you self-employed and thinking about applying for a mortgage? Let's work together and make your homeownership dreams a reality! 🏡
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Ever hear the term “holdback” during a construction or renovation mortgage and wonder what it actually means? 🤔A holdbac...
05/29/2026

Ever hear the term “holdback” during a construction or renovation mortgage and wonder what it actually means? 🤔

A holdback is a portion of mortgage funds that a lender temporarily keeps back during the construction or renovation process. These funds are released in stages as the work is completed and verified.

The purpose is to help ensure the project is progressing as planned and that each stage of construction is completed satisfactorily before additional funds are advanced.

If you’re building, renovating, or exploring financing options for a home project, understanding terms like this can help you feel more confident throughout the process.
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If you're thinking about buying a home a little preparation can go a long way when it comes to getting a mortgage approv...
05/27/2026

If you're thinking about buying a home a little preparation can go a long way when it comes to getting a mortgage approved. 🏡

Swipe through for simple tips that can help you feel more confident, organized, and ready when it’s time to apply. ✨

No matter where you are in your homeownership journey, having the right guidance can make all the difference.

Have questions about what lenders look for? Reach out anytime, I'm always happy to help.
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New to Canada? Buying a home may be more possible than you think. 🇨🇦There are mortgage options available for newcomers, ...
05/25/2026

New to Canada? Buying a home may be more possible than you think. 🇨🇦

There are mortgage options available for newcomers, even if you’re still building your Canadian credit history.

A mortgage broker can help you understand your options, what documents you’ll need, and how to take the next steps with confidence.

Your journey to homeownership starts with a conversation. 📱
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Ever wonder what’s actually included in a mortgage payment? 🏡Your monthly payment is typically made up of 4 key parts:✔️...
05/22/2026

Ever wonder what’s actually included in a mortgage payment? 🏡

Your monthly payment is typically made up of 4 key parts:

✔️ Principal - the amount that goes toward paying down your mortgage balance
✔️ Interest - the cost of borrowing money from the lender
✔️ Taxes - property taxes that may be collected with your payment
✔️ Insurance - coverage that helps protect your home and mortgage

Understanding where your money goes can help make homeownership feel a whole lot less overwhelming. 💭

Have questions about how mortgage payments work or what your payments could look like? Let’s chat!
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05/21/2026

When preparing to purchase a home, don’t forget about closing costs, typically 1.5% of the purchase price, in addition to your down payment. 🏡

These cover expenses like legal fees, appraisals, and inspections. Proof of these funds is needed before your mortgage instructions are sent. Some exceptions may apply!
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Owning a home is exciting, but your mortgage payment is only one part of the picture. From utilities and property taxes ...
05/20/2026

Owning a home is exciting, but your mortgage payment is only one part of the picture. From utilities and property taxes to home insurance, maintenance, and future renovations, there are a few additional costs to plan for along the way.

The good news? Understanding these expenses ahead of time can help you feel more prepared and confident in your homeownership journey.

A mortgage broker can help you look at the full financial picture so you can create a plan that fits your lifestyle, budget, and long-term goals.

Thinking about buying a home or preparing for homeownership? Let’s chat about what to expect and how to set yourself up for success.
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A Home Equity Line of Credit can be one of the most flexible financial tools available to homeowners.As you build equity...
05/18/2026

A Home Equity Line of Credit can be one of the most flexible financial tools available to homeowners.

As you build equity in your home, a HELOC allows you to access a portion of that equity when you need it, whether it’s for renovations, debt consolidation, investments, emergency expenses, or even helping with the purchase of another property.

For many homeowners, it creates flexibility and peace of mind knowing they have access to funds without needing to refinance their entire mortgage.

And for future homebuyers, understanding how home equity works can help you see the long-term value homeownership can provide beyond just having a place to live.

The key is making sure a HELOC fits your goals and financial situation. Like any mortgage product, there’s no one-size-fits-all approach.

If you’ve been wondering whether a HELOC could benefit you, let’s chat about your options and how it could fit into your financial plans.
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