Shelagh Sutherland - Mortgage Associate with Premiere Mortgage

04/15/2026

Most Canadians don’t get declined because of *one big mistake*…
It’s usually a few small ones stacking up.

Here are the **Top 5 reasons mortgage applications get declined in Canada**:

1️⃣ Credit score too low
2️⃣ Too much debt (high debt ratios)
3️⃣ Income doesn’t meet lender requirements
4️⃣Property issues
5️⃣ Down payment issues (source or amount)

The frustrating part?
Most of these are **fixable** before you apply.

A quick review can be the difference between:
❌ Declined
✅ Approved with confidence

01/08/2026

The Financial and Consumer Services Commission of New Brunswick is warning New Brunswickers about a scam using phony websites for a fake credit union in Centreville, NB.

Scammers are cold calling people claiming to represent the “Carleton Credit Union,” which they allege is based in Centreville, NB and are soliciting investments. No such credit union is registered with the Commission and an entity using that business name is not registered to deal or advise in securities or derivates in New Brunswick.

During the calls, the scammers point to fake websites designed to lend legitimacy to their investment offers. Three websites have been discovered to date using variations of the fake credit union name:

carletoncn.com
carltoncreunion.com
carltonpioneercru.ca
All three list the address of the “Carleton Credit Union” at 3143 Main St., Centreville, NB – this is the actual address of the Brunswick Credit Union, a legitimate registered credit union in New Brunswick. The Commission has notified the Brunswick Credit Union of the scam.

The Financial and Consumer Services Commission of New Brunswick is warning New Brunswickers about a scam using phony websites for a fake credit union in Centreville, NB. Scammers are cold calling people claiming to represent the “Carleton Credit Union,” which they allege is based in Centreville,...

11/26/2025

Library calendar for December 2025

07/28/2025

🌟 Supporting Our Everyday Heroes! 🌟

Are you a firefighter, nurse, teacher, police officer, or another frontline professional?
There’s a mortgage program tailored just for YOU! 🏡💙

With the Frontline Program, eligible clients can benefit from:
✅ Up to $2,000 cashback 💵
✅ Flexible prepayment privileges (20% lump sum + 20% payment increase)
✅ Competitive rates and terms

Qualifying Occupations include:
• Firefighter 🔥
• Registered Nurse 👩‍⚕️
• Registered Practical Nurse 🩺
• Registered Physician 🏥
• Paramedic 🚑
• Police Officer 👮‍♂️
• Correction Officer 🚓
• Border Services 🛃
• Teacher 📚
• Teacher’s Aide 🧑‍🏫
• Professor 🎓
• Principal 🏫

This program recognizes the incredible work you do in our communities — and I'm here to help guide you every step of the way. 🙌

💬 DM me or apply online at getmy.mortgage/gw0zxklod
📱 Or download my app for helpful tools: mccapp.ca/app/shelagh-sutherland

🏠 Let’s make homeownership happen — together!

Send a message to learn more

06/10/2025

For the second time this year!!!

05/17/2025

🌟🚮 **Special Garbage Pickup Day Announcement!** 🚮🌟

*Special Garbage Collection is next week May 20, 21 & 23 on your regular garbage pick up day This is a great opportunity to declutter and dispose of those larger items that don’t fit in your regular trash bins.

Please remember to have your items out by the curb by the designated time, and make sure to follow all guidelines. This includes separating recyclable materials and keeping hazardous waste aside.
Maximum of 3 large items per household (plus regular garbage)
No contruction or demolition waste
No motor vehicle parts
No liquid waste of any kind
No applicances
No Tires
No propane tanks

05/05/2025

04/26/2025

From April 22 to May 2 New Brunswick public libraries are giving away free passes to the NB Aquarium in Shippagan to anyone with a public library card. You can use the pass to gain a one-time entrance to the aquarium on any day that it is open between June 1 and September 27, 2025.

The passes are available for a limited time. Make sure you don't miss out on this great offer!

***
Du 22 avril au 2 mai les bibliothèques publiques du Nouveau-Brunswick offrent aux personnes qui ont une carte de bibliothèque publique la possibilité d'obtenir un laissez-passer qui leur permettra d'entrer gratuitement, une fois, à l'Aquarium NB à Shippagan, entre le 1er juin et le 27 septembre 2025.

Les laissez-passer seront émis pendant une période limitée. Ne manquez pas cette offre exceptionnelle!

04/26/2025

Come check out skateboards at the library — all you need is a library card!
We’ve got helmets, elbow pads, and knee pads too.
Each can be checked out for one week and hit the pavement safely and in style!

***
Viens essayer les skateboards à la bibliothèque - tout ce dont tu as besoin, c'est d'une carte de bibliothèque!
Nous avons aussi des casques, des coudières et des genouillères.
Chaque planche peut être empruntée pendant une semaine et tu pourras rouler sur le trottoir en toute sécurité et avec style!

04/22/2025

Send a message to learn more