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Matt Brownlow - Indi Mortgage

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Waterdown, ON
Matt Brownlow - Indi Mortgage

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Indi Mortgage "The Independent Mortgage Company" , Lic 12403
Matt Brownlow, Mortgage Agent Level 1
Lic M19000338

10/15/2026

New to Canada and dreaming of a place to call your own? You may not have to wait years to build a Canadian credit score first.

Many lenders offer New to Canada mortgage programs designed specifically for newcomers. Instead of relying only on Canadian credit, they may consider:

✅ Credit reports from your home country
✅ A history of on-time rent and utility payments
✅ Your employment in Canada and your work history before you arrived
✅ Your down payment and where it came from

Each program has its own requirements, including residency status and time in Canada, so the right lender makes all the difference. A licensed mortgage agent/broker knows which lenders offer newcomer programs and how to present your application with confidence.

📲 Know someone who's new to Canada? Share this with them. Their first Canadian home might be closer than they think.

10/13/2026

Selling your home before your mortgage term is up? You have two main paths, and choosing the right one could save you thousands.

🏡 Porting: You take your existing mortgage (rate, balance, and remaining term) with you to your new home. Need to borrow more? Many lenders will blend your current rate with today's rate on the additional amount.

🔓 Breaking: You pay out your mortgage early and start fresh with a new lender, product, or term. It opens up options, but it usually comes with a prepayment penalty.

Worth knowing:
✅ Not every mortgage is portable, so check your terms
✅ You'll still need to re-qualify for the new property
✅ Lenders set time limits between your sale and your purchase

Whether you're upsizing for a growing family, downsizing, or relocating for work, the right choice depends on your full picture, not just your rate.

📩 Thinking of moving? Let's compare both options before you list.

10/12/2026

Happy Thanksgiving from all of us at Indi Mortgage.

Today, we’re giving thanks for the people who make our work meaningful. Our clients, partners, agents, and communities continue to inspire us with their trust, collaboration, and shared commitment to putting people first.

We hope your weekend is filled with comfort, connection, and gratitude.

🧡 Thank you for being part of our story.

10/10/2026

Today is World Mental Health Day.

A reminder that taking care of your mental health is just as important as any other part of your financial or personal wellbeing.

Whether you're facing a major life change, navigating homeownership stress, or simply trying to keep up with the pace of life, your mental health matters.

At Indi Mortgage, we believe in creating a culture where it is safe to speak up, take a break, and ask for support. That applies to our agents, our partners, and our clients.

Let today be a chance to check in with yourself and with those around you.

💚 Take a deep breath.
💬 Have the conversation.
📱 Reach out if you need support.

10/07/2026

The Bank of Canada announces its next interest rate decision on Wednesday, October 28, 2026.

Whether you're buying, renewing, or watching the market, this one matters.

We'll break down exactly what it means for your mortgage the moment the decision drops. Follow along.

10/06/2026

Did you know your Loan-to-Value Ratio (LTV) could impact your mortgage approval?

LTV is the percentage of your mortgage amount compared to the appraised (or purchase) value of your property. Lenders use it to measure risk.

The higher your LTV, the less equity you have in the home. This can affect your eligibility, interest rate, and even the type of mortgage products available to you.

Here is why it matters:

✔️ Your LTV will determine if you need mortgage insurance and how much you qualify for.
✔️ Refinances: A lower LTV can unlock equity to consolidate debt, renovate, or invest in other goals.
✔️ Investment Properties: Stricter LTV requirements often apply, which can influence how much capital you need upfront.

Understanding your LTV is an important step in planning your financing strategy. A licensed mortgage agent/broker can help you calculate your ratio, explain how it impacts your options, and guide you toward solutions that fit your goals.

📲 Want to know your LTV and what it means for your mortgage? Reach out today.

10/03/2026

Wishing a joyful Simchat Torah.

As the Torah reading cycle comes to a close and begins again, may this time bring renewed energy, meaningful reflection, and celebration with loved ones.

From all of us at Indi Mortgage, Chag Sameach.

09/30/2026

September 30 is the National Day for Truth and Reconciliation.

It's a day to honour the children who never came home, the survivors of the residential school system, and the families and communities still living with its impact.

We encourage our team, our agents, and everyone in our community to take time today to learn, listen, and reflect on the experiences of Indigenous Peoples across Canada.

Every Child Matters.

09/28/2026

Protect more than just your home.

Mortgage payment protection is designed to cover your payments if you face unexpected challenges like job loss, illness, injury or death. In today’s economic climate, security matters more than ever.

Whether you are buying your first home, refinancing, renewing, investing, or settling into life in Canada, having the right protection in place can give you peace of mind and keep your financial goals on track.

Mortgage Protection Plan(s) are more than a life insurance policy. A mortgage agent (broker) can help you understand your options and choose the right fit for your needs.

Let’s talk about how to add the right layer of protection for you and those you love.

📲 Like, follow, or share to stay informed and empowered.

09/24/2026

Renewing Your Mortgage in 2026? Here’s What You Need to Know 🔑🏡

If your mortgage renewal is coming up this year, don’t just sign the first offer your lender sends you. With changing interest rates and evolving market conditions, this is your opportunity to reassess, strategize, and secure the best financing for your future.

Why It Pays to Review Your Options:

✅ Rates Change – The offer from your current lender may not be the most competitive one available
✅ Your Needs May Be Different – Life changes, and your mortgage should reflect your current financial goals
✅ More Lender Options – Working with a mortgage broker gives you access to 50+ lenders so you can compare and find the best fit

Should You Refinance Instead?
If you want to tap into home equity, consolidate debt, or adjust your term for better financial flexibility renewal time is the perfect moment to explore refinancing.

📩 Let’s talk before your renewal date arrives. A quick conversation could save you thousands!

Address

Waterdown, ON

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.mattbrownlow.com/

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