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

• Sarah is a mortgage expert and can help you save time by doing the work for you. 
• Without ever leaving home, you can shop major banks, credit unions, alternative lenders, and more.
• ​Compare mortgages that big banks don't offer. 
• Receive personalized service with the details explained to you every step of the way.
• Get a clear picture of your finances.
• Each year, we fund over $1 billion in Canadian mortgages so you are in great hands. 

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? 

Recently, mortgage interest rates have risen because of the Bank of Canada's increase of the overnight lending rate in addition to what's occurring in the bond market. A new homeowner or an existing homeowner who needs mortgage financing may wonder which option is best for them. 
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Here's what you need to know. ​

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How do mortgage brokers get paid?

Each year, mortgage brokers originate approximately fifty percent of Canadian mortgages. Thus, they provide the most suitable and affordable mortgage financing for Canadian property owners.

In most cases, the mortgage lenders we work with compensate us with a type of commission. This is all the more reason you can be confident of getting the most competitive deal! We will work harder and smarter for you!

There are some situations where a brokerage fee will be charged. For example, if you require private and/or creative financing. In these cases, the mortgage lender does not pay a commission to the broker.


Please contact scolucci@sherwoodmortgagegroup.com if you have questions about brokerage fees. 

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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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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