Shelagh Sutherland - Mortgage Associate with Premiere Mortgage

11/02/2026

It’s so important to check your credit report, not just your credit score.

There’s nothing worse than getting close to a financial goal, only to discover that something on your credit report is standing in the way of your dream.

If you have questions about your credit report, I’d be happy to review it with you. It’s truly one of my favorite things to do! 😊

SAINT JOHN – With many New Brunswickers facing higher living costs and debt pressures, the Financial and Consumer Services Commission of New Brunswick is using Financial Literacy Month to help consumers better understand common credit myths and how to avoid the risks of quick-fix promises to repai...

10/23/2026

Your mortgage should grow with your goals.

Whether you're building equity, considering debt consolidation, planning renovations, or approaching renewal, I'm here to help you make the most of your home financing.

Fill out my Mortgage Tracking Form and I'll keep you informed about opportunities that may benefit you along the way.

https://mos.getbrokerplus.ca/embed/f/track-my-mortgage-0z9o49

08/18/2026

If you're paying a lot of interest right now, this is for you.

Maybe you had a rough year. Maybe credit got a little messy. Maybe you needed money quickly and a secured loan through Fairstone, easyfinancial, or another lender seemed like the best option at the time.

No judgment. Life happens.

But here's something I want you to know:

👉 The loan you have today doesn't necessarily have to be the loan you have forever.

I may be able to help you explore whether refinancing could lower your interest costs and reduce your monthly financial pressure.

And if you're not quite ready to qualify with a prime lender yet, that's okay too.

Sometimes the goal isn't “get perfect credit immediately.” Sometimes it's creating a plan that gets you from where you are today → where you want to be.

If you're carrying a high-interest secured loan and wondering if there's a better option, let's talk.

You don't have to stay in the financial moment that got you here. There may be a way forward. ❤️

Send me a message. No pressure, no judgment—just a conversation about your options.

08/07/2026

Homeowners in Carleton County and Woodstock — do you currently have a mortgage or secured loan through a higher‑interest finance company or non‑bank lender?

With recent changes in our local market, including the municipal amalgamation and the growth it has brought to the area, there are more opportunities than ever for homeowners to lower their monthly payments.

If your mortgage or secured loan is tied to your home, you may be able to refinance into a better rate. Many clients who originally borrowed through non‑bank lenders are now saving hundreds each month and thousands in interest just by reviewing their options.

I’m here for friendly, no‑pressure conversations to see whether a lower rate might be available for you, or to help you map out a future plan that keeps more money in your pocket.

If you’re curious, feel free to reach out.

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