Lacy Mortgage Group

Lacy Mortgage Group We are your dedicated mortgage agents. We all aim to bring you choice and a better fit when it comes to choosing the mortgage for your family.

We would be happy to help with any mortgage needs you may have.

📢 BANK OF CANADA HOLDS AT 2.25% 📢The Bank of Canada has kept its key interest rate at 2.25%, marking the 7th consecutive...
09/02/2026

📢 BANK OF CANADA HOLDS AT 2.25% 📢

The Bank of Canada has kept its key interest rate at 2.25%, marking the 7th consecutive rate announcement with no change.

But what does this mean for your mortgage? 👇

đź’° Prime rates remain unchanged
🏡 No immediate change to variable mortgage rates
đź“Š The Canadian economy continues to show signs of improvement
⚠️ Inflation and economic uncertainty are still being closely monitored

While there’s no rate change today, your mortgage decision shouldn’t be based on the Bank of Canada rate alone.

Whether you’re buying, renewing, refinancing, or simply exploring your options, the right strategy depends on your goals, timeline, and financial situation.

🔑 At Lacy Mortgage Group, we help you understand your options so you can make confident mortgage decisions.

📲 Have questions? Let’s talk.

Lacy Mortgage Group
Your Mortgage. Your Goals. Our Expertise.

September brings a change of season and, for many people, a renewed focus on financial goals.If buying a home, refinanci...
09/01/2026

September brings a change of season and, for many people, a renewed focus on financial goals.

If buying a home, refinancing, or reviewing your mortgage is on your list this fall, now is a great time to start planning.

You don't have to have all the answers before you reach out. Sometimes the first step is simply understanding what's possible.

At Lacy Mortgage Group, we're here to help you explore your mortgage options and make informed decisions with confidence.

Maybe your next chapter is buying your first home.Maybe it's upgrading for a growing family.Maybe it's renovating the ho...
08/31/2026

Maybe your next chapter is buying your first home.
Maybe it's upgrading for a growing family.
Maybe it's renovating the home you already love.
Maybe it's consolidating debt or accessing your home equity.
Or maybe you're simply planning ahead.

Whatever your next chapter looks like, your mortgage can be an important part of the strategy.

At Lacy Mortgage Group, we're here to help you understand your options and make decisions based on your goals — not guesswork.
Your plans are unique. Your mortgage strategy should be too.

đź“© Let's start the conversation.

When comparing mortgages, it's easy to focus on one thing: the interest rate.But there's more to a mortgage than the rat...
08/29/2026

When comparing mortgages, it's easy to focus on one thing: the interest rate.

But there's more to a mortgage than the rate.
Consider the terms, penalties, flexibility, prepayment privileges, portability, and how the mortgage fits your long-term plans.

A slightly lower rate isn't necessarily the better choice if the mortgage doesn't give you the flexibility you need.

At Lacy Mortgage Group, we look beyond the headline rate to help you understand the bigger picture.
Because the right mortgage isn't just about what you pay today — it's about keeping your options open for tomorrow.

Your mortgage was designed around your financial situation at a specific point in time.But life changes.Your income may ...
08/28/2026

Your mortgage was designed around your financial situation at a specific point in time.

But life changes.

Your income may have changed. Your expenses may be different. You may have taken on new goals, paid down debt, or built significant equity in your home.
That's why an occasional mortgage review can be valuable.

At Lacy Mortgage Group, we can help you look at your current situation and explore whether there are options worth considering.

Sometimes, the best financial move starts with simply taking another look.

The summer months can go by quickly, but there's still plenty of time to make progress toward your financial goals.If bu...
08/27/2026

The summer months can go by quickly, but there's still plenty of time to make progress toward your financial goals.

If buying a home is on your list for later this year, now may be a good time to review your financing options and understand what you can comfortably afford.
A little preparation now can make the process much smoother when you're ready to make your move.

Plan first. Shop second.

August is a great time to check in on your homeownership goals.Have you been thinking about buying your first home? Movi...
08/25/2026

August is a great time to check in on your homeownership goals.

Have you been thinking about buying your first home?
Moving to a new property? Refinancing? Or simply wondering whether your current mortgage still makes sense?

You don't have to wait until you're ready to make a move to start asking questions.

At Lacy Mortgage Group, we believe good mortgage decisions start with good planning.

Let's talk about where you are today, and where you want to go next.

Small Steps Lead to Big GoalsYou don't need to have everything figured out before reaching out.Whether you're six months...
08/24/2026

Small Steps Lead to Big Goals

You don't need to have everything figured out before reaching out.
Whether you're six months away from buying or just starting to think about homeownership, we're happy to help you create a plan.
Every journey begins with a conversation.

Being self-employed doesn't mean homeownership is out of reach.We understand that every income story is different and wo...
08/23/2026

Being self-employed doesn't mean homeownership is out of reach.
We understand that every income story is different and work with lenders who offer solutions for entrepreneurs, freelancers, and business owners.

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1614 Dundas Street E Suite 103
Whitby, ON
L1N8Y8

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