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New purchases, Renewals, Refinances, Equity Take-Outs, Self-Employed, Property Investors, Bruised Credit, Reverse Mortgages, Property Investors & more

Despite the headlines, Canadians haven't lost confidence in real estate.Recent survey data shows that most people still ...
06/03/2026

Despite the headlines, Canadians haven't lost confidence in real estate.

Recent survey data shows that most people still view homeownership as a smart long-term investment, even in today's market.

The path to buying a home may look different than it did a few years ago, but good planning, realistic expectations, and the right advice can make a big difference.

Whether you're ready to buy now or simply starting to think about what's next, having a plan can help you move forward with confidence.

If homeownership is on your radar, we'd be happy to help you map out the next steps.

For the past few years, a lot of homeowners have been carrying a little extra financial stress.Higher rates, rising cost...
06/02/2026

For the past few years, a lot of homeowners have been carrying a little extra financial stress.

Higher rates, rising costs and uncertainty had many people wondering if their mortgage payment would continue to fit comfortably within their budget.

The good news? Things are starting to feel more manageable for many Canadians.

According to the latest CMHC Mortgage Consumer Survey, the number of homeowners concerned about making their monthly mortgage payments dropped from 53% last year to 39% this year.

That's a positive sign that many households are adjusting to the current rate environment and feeling more confident about their financial picture.

Of course, every mortgage and every family is different.

If it's been a while since you've reviewed your mortgage strategy, now might be a great time to see if your current mortgage is still the best fit for your goals, budget and future plans.

We're always happy to have the conversation.

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📞 289-645-1568
📩 [email protected]
🌐laframboisemortgage.ca

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The detail that could cost homeowners thousands is rarely the interest rate.It's usually buried in the fine print.A low ...
06/01/2026

The detail that could cost homeowners thousands is rarely the interest rate.

It's usually buried in the fine print.

A low mortgage rate can look like an easy win, but some mortgages come with restrictions and penalties that can become very expensive if your circumstances change.

The challenge is that most people don't know to ask about them.

That's why comparing mortgages isn't just about finding the lowest rate. It's about understanding the flexibility, penalties and options that come with it.

The goal isn't simply getting a mortgage.
It's getting one that still works for your life a few years from now.

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📞 289-645-1568
📩 [email protected]
🌐laframboisemortgage.ca

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Getting the right mortgage isn’t just about approval. It’s about how everything is set up behind the scenes.The details ...
06/01/2026

Getting the right mortgage isn’t just about approval. It’s about how everything is set up behind the scenes.

The details matter more than most people think. Small differences in structure, terms, and strategy can have a real impact on how much you keep and how your mortgage supports your life over time.

That’s where we help.

We walk you through your options, break things down in a way that makes sense, and help you make decisions that feel clear and aligned.

If you’re ready to take a closer look at your current mortgage or explore what’s possible, let’s connect. It’s a simple way to put yourself back in control of your financial picture.

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📞 289-645-1568
📩 [email protected]
🌐laframboisemortgage.ca

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The GTA just hit a housing market milestone that nobody wants to celebrate.Pre-construction condo sales have fallen to t...
05/29/2026

The GTA just hit a housing market milestone that nobody wants to celebrate.

Pre-construction condo sales have fallen to their lowest level in 45 years.

At first glance, that sounds like a developer problem. It's not.

This has the potential to impact future housing supply, affordability, buyer competition and even some of the opportunities available in today's market.

The headlines tell you what happened.
What matters is understanding what happens next.

We've shared our perspective on what these numbers could mean for buyers, why some newly completed units may present opportunities right now and what this market shift could mean over the next few years for anyone considering a home purchase.

🔗 Link in bio or visit:
https://www.laframboisemortgage.ca/single-post/the-gta-pre-construction-market-just-hit-a-45-year-low-here-s-what-that-means-for-you

We know most people don’t wake up excited to go through the mortgage process. It can feel stressful, overwhelming and fu...
05/26/2026

We know most people don’t wake up excited to go through the mortgage process. It can feel stressful, overwhelming and full of questions.

That’s why we believe our job is about more than numbers and rates. It’s about helping clients feel supported, informed and confident from beginning to end.

We take the time to explore options, explain things clearly, look for opportunities to save where we can and help make the process feel a whole lot smoother along the way.

Hearing that this client felt cared for and supported throughout the experience means everything to our team.

Let’s be honest… saving for a home today looks a lot different than it used to. Most buyers are not struggling because t...
05/25/2026

Let’s be honest… saving for a home today looks a lot different than it used to.

Most buyers are not struggling because they occasionally grab a coffee or enjoy small everyday things. The real progress usually comes from building smarter financial habits that actually move the needle.

Things like:

• Automating savings directly from your paycheck
• Taking advantage of an FHSA and tax-free growth
• Creating a realistic savings strategy that fits your life

Because buying a home in 2026 is less about cutting out every little joy and more about being intentional with the bigger financial decisions.

Small, consistent moves over time can add up faster than people think.

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📞 289-645-1568
📩 [email protected]
🌐laframboisemortgage.ca

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Durham Kindness Breakfast.Chatting with great local business owners about entrepreneurship and doing something a little ...
05/22/2026

Durham Kindness Breakfast.

Chatting with great local business owners about entrepreneurship and doing something a little generous together always feels great.

If you are a business owner in Durham Region and want to have breakfast with us we do this once a month.

DM for an invite to the next one!

“Should we lock in or take the variable?”This decision is about so much more than just interest rates right now.It’s abo...
05/22/2026

“Should we lock in or take the variable?”

This decision is about so much more than just interest rates right now.

It’s about comfort level. Flexibility. Monthly cash flow. Future plans. Stress levels. Stability. Opportunity.

For some people, a fixed mortgage rate brings peace of mind knowing their payment stays consistent.

For others, a variable mortgage rate offers flexibility if they may move, refinance or make changes before the end of their term.

The truth is, there is no universal “right answer” when it comes to fixed vs variable mortgages in Canada.

The best mortgage choice is the one that supports both your financial goals and your quality of life.

A mortgage strategy should make sense mathematically… but it should also help you sleep at night.

If you’re weighing your mortgage options and trying to decide what makes the most sense for your situation, it helps to walk through the numbers and the bigger picture together.

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📞 289-645-1568
📩 [email protected]
🌐laframboisemortgage.ca

--

There is a new federal program that could put up to $50,000 back into the hands of some first-time home buyers and a sur...
05/20/2026

There is a new federal program that could put up to $50,000 back into the hands of some first-time home buyers and a surprising number of people still do not know it exists.

The details matter here because not every property qualifies, not every buyer qualifies, and there are timelines and conditions that could easily be missed if nobody points them out early.

For some buyers, this could significantly change what is possible financially when purchasing a first home.

And for others, assuming they qualify without asking the right questions could lead to some very disappointing surprises later in the process.

If you or someone you know is even thinking about buying a first home, this is something worth paying attention to now, not after an offer is signed.

Before you assume you qualify or miss out completely, this is worth the five-minute read ⬇️

https://www.laframboisemortgage.ca/single-post/know-someone-buying-their-first-home-tell-them-about-this-like-today

Link in bio.

Address

28 Princess Street, Suite 101
Whitby, ON
L1M1B2

Telephone

+14162715307

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