Holly Delaney- Mortgage Broker

Thinking about using a Mortgage Broker for your Mortgage?

🏡✨ Here are reasons WHY

✔️ We shop around: Finding you the best rates and terms.
✔️ No cost to you: My services are free!
✔️ Save time and money: I’m here to do the work for you.
✔️ Stress free process: I’m here every single step of the way.
✔️ Full service: I’m not just here during your mortgage process, after your house closes I’m always here to answer any questions and to follow up in years to come.
✔️ We can discuss your options on making sure you get your max approval
✔️ Downpayment options, such as options for $0 down

You’ll get you the best mortgage options tailored to your needs, all without the hassle.

🏡📲 Ready to get started. Let’s chat today!

Holly Delaney
East Coast Mortgage brokers
[email protected]
709-693-8998

The best part of my job! I love that I get to build relationships with clients that can last years and help people achieve their dreams. Congratulations on your investment property.

Have you considered buying your first home, not quite sure what direction to go in. Let’s chat! Even if you may not be ready now, let’s sit down and make a plan and get you ready!

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

🏡 Let’s chat today!

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

✨Debt Utilization

Making a list of your needs is important when trying to make sure you stay within your budget. You want to make the best financial decision for you and your family. As your mortgage broker we will go over your pre approval amount, but also your monthly payment and expenses when buying a home.

If you have any questions or looking to get a pre approval, let’s chat today. 🏡

Holly Delaney
East Coast Mortgage Brokers.
709-693-8998
[email protected]

As was widely expected, the Bank of Canada today lowered its benchmark interest rate by 25 bps, bringing it to 4.50%.

The next rate announcement is scheduled for Wednesday, September 4, 2024

If you have any questions about how this affects you feel free to contact me.

Holly Delaney
East coast Mortgage Brokers
709-693-8998
[email protected]

Unlock the benefits of refinancing your home! 🏡💰 Whether you want to lower your interest rate, reduce monthly payments, or access your home’s equity, Team Coady has the expertise to guide you. Let’s explore the best refinancing options tailored just for you. Get in touch today!

Let’s chat today!

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

Tips for budgeting for first time home buyers! 🏡🏡

1. The first step in budgeting for a home is to decide what kind of home you want. You’ll need to consider the size, location, and type of home you’re interested in.

2. Calculate Your Monthly Cash Flow. This includes all the money coming in, as well as all the money going out.

3. Create a Spending Plan. This budget should include all of your necessary expenses and some room for discretionary spending.

4. Prioritize Your Expenses. Determine what expenses are necessary and which can be cut back on. For example, if you’re eating out a lot, you may want to cook more meals at home.

5. Automate Your Savings. This means setting up a savings account and transferring money into it automatically each month.

6. Review Your Budget Regularly. Your budget is not set in stone; it will change over time as your income and expenses change. Do quarterly check-ins.

7. Save For A Downpayment. If you’re planning on buying a house you’ll need to start saving, you will need at least 5% for your down payment and roughly 1.5% for closing costs.

8. Get Pre-Approved For A Mortgage! This process will give you a better idea of how much you can afford and help you budget for your home purchase.

9. Save For Extra Fees. In addition to your down payment, you’ll also need to budget for extra fees, such as closing costs, home inspection costs, and moving expenses.

10. Keep Your Emergency Fund Intact. Ideally, your emergency fund should have at least $1000. This way, you’ll have money set aside for unexpected expenses and won’t have to put them on a credit card.

If you have any questions or would like to talk about how you can achieve your goal of owning a home, contact me today!

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

🏡 Get a Mortgage Pre Approval!

It's always best to secure a mortgage pre approval before you start looking for a home. It gives you a clear idea of your budget and makes the closing process easier and faster.

Holly Delaney
East Coast Mortgage Brokers.
709-693-8998
[email protected]

Hope you’re enjoying all the sunshine, now is a great time to work on a few small projects outside to keep up with the maintenance of your home ☀️🏡

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

✨🏡 Mortgage Tips!


Holly Delaney
East Coast Mortgage Brokers
[email protected]
709-693-8998

As your Mortgage Broker I will be there to answer any questions or concerns along the way, even after your home is closed I’m always there to help in anyway

I’d love to help you with your journey of buying a home or rental property, Let’s chat today! 🏡

Holly Delaney
East Coast Mortgage Brokers.
709-693-8998
[email protected]

You can calculate how much of a down payment you’ll need for your future home based on the purchase price. Build a budget, automate your savings and put away any extras to build up money your down payment. Government programs like the FHSA, RRSP and TFSA can help accelerate your savings, while offering tax benefits.

🏡 Let’s chat today!

Holly Delaney
East Coast mortgage Brokers
709-693-8998
[email protected]

HAVE YOU HEARD OF THE FLEX DOWN PAYMENT MORTGAGE?

Buying a home can be challenging, especially when it comes to saving up for the necessary down payment. This is where the flex down payment mortgage may be a suitable option for you!

The flex down payment mortgage, otherwise known as the borrowed down payment or flex down, lets you buy a property from borrowed sources, such as a personal loan or unsecured line of credit.

If you have excellent income and a good credit score, you may be able to qualify for the flex down payment mortgage. 🙌🏻

Holly Delaney
East coast mortgage brokers
709-693-8998
[email protected]

What is a credit score?
➡️ Your credit score is a three-digit number that comes from the information in your credit report. It shows how well you manage credit and how risky it would be for a lender to lend you money.

How a credit score is calculated?
➡️ Factors that may affect your credit score include:

- how long you’ve had credit
- how long each credit has been in your report
- If you carry a balance on your credit cards
- If you regularly miss payments
- the amount of your outstanding debts
- being close to, at or above your credit limit
- the number of recent credit applications
- the type of credit you’re using
- If your debts have been sent to a collection agency
any record of insolvency or bankruptcy

Have any questions? Let’s chat 🏡

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

Let’s get started today! 🏡📲

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

Thanks to my great client for the glowing review! We love sharing our experience and love sharing your feedback on how it worked for you! Grateful I was able to help you with your journey.

Holly Delaney
East Coast mortgage Brokers
709-693-8998
[email protected]

Have a new baby coming?

Wondering if you can afford that new home or extra bedroom?

Let’s chat today about your options from selling your home to something that works better for you and your family or Renovating may be a more practical and cost effective solution than moving. Especially if you like where you live, have a family friendly neighbourhood and close to work etc.

During your renewal period there’s many advantages you can take advantage of. From adding another bedroom, finishing the basement, making space for a playroom or a new kitchen. I can help you with whether you can leverage the equity in your home to access funds to get your renovations started.

Let’s discuss your options today!

Holly Delaney
East Coast mortgage brokers
709-693-8998
[email protected]

BANK OF CANADA DROPS INTEREST RATES BY 0.25%

✨ Current prime rate will drop

✨ Prime rate is what variable mortgages are based on

✨ Adjustable rate Mortgages next month will see a small decrease in their monthly payment

✨ Static rate mortgages will see no decrease in payments but more will go to the principle

Have any questions feel free to reach out today!

Let’s go with the one where you pay off your own mortgage. Let’s get started on getting you pre approved today!

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

The best part of my job! I love that I get to build relationships with clients that can last years and help people achieve their dream of owning their first home.

Have you considered buying your first home, not quite sure what direction to go in. Let’s chat! Even if you may not be ready now, let’s sit down and make a plan and get you ready!

Holly Delaney
East Coast Mortgage Brokers

Let’s talk about your options today!

Holly Delaney
East Coast Mortgage Brokers
[email protected]
709-693-8998

Wondering about the equity in your home? Lets chat today 🏡

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

🏡 Looking for a new home but worried about the rates?

Buy now, refinance later. Don’t let the current rates keep you from getting your new home. Let’s talk about your options today!

Holly Delaney
East Coast Mortgage Brokers.
709-693-8998
[email protected]

Holly Delaney- Mortgage Broker Providing professional and reliable mortgage services to purchase your home, renew or refinance.

Thanks to my great clients for the glowing review! We love sharing our experience and love sharing your feedback on how it worked for you! Grateful I was able to help you with your journey.

Holly Delaney
East Coast mortgage Brokers
709-693-8998
[email protected]

Are you ready to be a new home owner? Let’s chat today 🏡

Holly Delaney
East Coast Mortgage Brokers
709-693-8998
[email protected]

Happy Mother’s Day!

I hope everyone had a great day celebrating the Mother’s in our life 💕🌸

Holly Delaney
East coast mortgage brokers
709-693-8998
[email protected]

How much cash do you need to buy a house?

🏡 Let’s chat today, have any questions on how to get started feel free to contact me today!

Holly Delaney
East Coast mortgage Brokers
709-693-8998
[email protected]

Saving Tips 🏡

Holly Delaney
East Coast Mortgage Broker
709-693-8998
[email protected]