Great Reasons To Work With Sarah Colucci, Mortgage Expert For Your Next Mortgage 

• An expert can help you save time by doing your mortgage research for you.
• Instead of relying on just one lender, search for the loan that's right for you.
• Compare mortgages that big banks don't offer. 
• We provide personalized service without long wait times on hold, or for administrative tasks to be completed.
• Get a clear picture of your finances.
• Each year, we fund over $1 billion in Canadian mortgages. 

Tune into The Canadian Mortgage Show hosted by Sarah! 

Mortgage and Real Estate News Posted Each Day!

Having trouble deciding between a fixed rate and a variable rate? 

As a result of the Bank of Canada's increases of the overnight lending rate and what is happening on the bond market, mortgage interest rates have increased in recent weeks. If you're getting into the market or are an existing homeowner who needs mortgage financing, you may wonder which is the best option. 

Here's what you need to know. ​

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Probably the most significant question you have. How do mortgage brokers get paid?

In Canada, approximately fifty percent of all mortgage loans are originated by mortgage brokers. Our role in mortgage lending is crucial. 

Borrowers often wonder how we get paid, and the answer is simple. A fee is not required if you get a loan from a major bank or another prime lender. Therefore, we can help you get the most competitive mortgage deal for free. The mortgage lender pays us. 

There may, however, be a brokerage fee if you get a private loan or alternative loan. The price you pay will depend on who you work with. That's why working with someone reputable like Sarah is critical, as she can explain the process and is also the most cost-friendly.

​Our goal is to retain you as a client, so we won't gouge you on fees if you require new or creative financing. 

Find out how Canada's mortgage qualification rules (stress test) may affect you if you're buying a home or refinancing.

• Calculate your total cost of owning a home.
• Estimate the minimum down payment you need.
• Calculate Land Transfer Taxes and the available rebates.
• Stress-test your mortgage.
• Estimate your closing costs.
• Compare your options side by side.
• Search for the best mortgage rates.
• Email summary reports (PDF).
• Use my app in English, French, Spanish, Hindu, and Chinese. 

​Which mortgage product should you choose in today's market?

​As the world changes and inflation rises, interest rates have steadily increased since March of this year. In an effort to combat the high cost of living, rising interest rates are reducing activity in the economy, particularly within the housing sector. Due to increasing interest rates, mortgage payments are also higher, and borrowers may wonder which type of mortgage to choose when purchasing, renewing or refinancing. 

Choosing a mortgage term and type depends on your financial situation and risk appetite. Due to inflation and its impact on the cost of living, it is likely that the Bank of Canada's overnight lending rate will continue to rise in the foreseeable future. As a result, variable rate mortgage rates will also rise, making them less affordable for some borrowers. As rates rise, a fixed-rate mortgage may be more cost-effective and offer peace of mind.

In determining the best course of action, Sarah Colucci can walk you through all scenarios and price points. An experienced professional will be able to help you make the right choice based on the current market situation. APPLY NOW or call 647-773-4849.  

Mortgage services we offer: 

• Mortgage Pre-Approvals with an interest rate guarantee for 120 days.
• An in-depth analysis of mortgage loans to determine the best loan for you.
• Mortgages for rental properties.
• Extended ratio mortgages for those who don't qualify with prime lending institutions and who are rate sensitive. 
• Alternative mortgages without lender fees.
• Refinancing and debt consolidation.
• Home Equity Lines of Credit.
• Second Mortgages and Equity Line Visas.
• Mortgages for professionals such as Doctors, Lawyers, etc.
• Mortgages for self-employed borrowers.
• Mortgages for borrowers with bruised credit or new credit.
• Appraisal assessments.
• Commercial mortgages.
• Private mortgages.
• Free financial analysis.

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APPLY NOW

Sarah Colucci, York Region's Mortgage Expert

Why use Sarah Colucci, York Region Mortgage Expert for your next mortgage.

Sarah provides you with access to many mortgage lenders, such as big banks, credit unions, and alternative financial institutions, whereas applying to just one financial institution like your bank, limits your financing options, thereby hindering your ability to get the best rate and terms.
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Sarah will shop for the best mortgage rates and terms for you in a similar way to how you may shop for the best vehicle or home insurance policy.

As a senior mortgage consultant, Sarah Colucci is an expert in various mortgage products and can provide you with a wealth of information to help you choose the best mortgage. 

Sarah's services combined with her expertise are an important part of your mortgage process, regardless of whether you are a first-time buyer, a repeat buyer, have bruised credit, or are self-employed, for example. 

Are you self-employed and recently turned down by your bank? 

Big banks require copious amounts of paperwork when it comes to self-employed individuals. Unfortunately, big banks look at claimed income, which for most self-employed individuals, is usually a lot less. This makes qualifying for mortgage financing challenging especially in today's real estate market. Sarah Colucci provides solutions for self-employed individuals, without compromising interest rate or mortgage terms.  ​APPLY TODAY for a quick response! 

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