Julie Stewart-Boyle, Mortgage Advisor

Your top-tier mortgage solutions and services continue!

Julie Stewart-Boyle has retired and is leaving her clients in the capable hands of Adam Hawryluk and his team at Flawless Financing. https://www.flawlessfinancing.ca/

Julie is confident that Adam and his team at Flawless Financing will help you achieve your homeownership goals.

ADAM HAWRYLUK ADAM HAWRYLUK

If your mortgage is coming up for renewal this year, send me a message. I will work with you and help you:

👉 Improve your interest rate with an early rate hold
👉 Access additional funds through a refinance or HELOC
👉 Review and adjust your amortization or payments

Reach out today to discuss your mortgage renewal options.

For self-employed borrowers, we open doors, not build walls!

I have access to lenders specializing in self-employed borrowers. Together we will assess your situation, and I will advise how to present your case best. In fact, helping self-employed borrowers is one of my specialties!

If you are considering renovating or customizing your outdoor space for summer, now is the time to reach out!

Refinancing to access the equity in your home or obtaining a HELOC (home equity line of credit) is a great way to get the cash you need at a low borrowing cost. Book a free consultation today and get the ball rolling!

Many Canadians who have owned their home for several years have a large amount of equity. With rent prices up on average 10% YoY it is a great time to buy an income property.

Reach out to learn about the finance options available to you.

Lump sum prepayments are a great way to become mortgage free faster. Most lenders allow you to make a lump sum prepayment up to an annual percentage limit. Comparing prepayment allowances between different lenders when applying for your mortgage is essential.

Send me a message, and we can ensure you get the most out of your Mortgage.

Mortgage insurance premiums, or default mortgage insurance, typically apply to purchases with a down payment of less than 20%. Some people think that mortgage insurance is tied to personal insurance – this is not the case!

Default mortgage insurance protects lenders from risk when clients have less than 20% down and allow borrowers to put as little as 5% down and access some of the best rates in the market.

If you plan on purchasing a new home, reach out to start the conversation!

If you have owned your home for several years, you most likely have a large amount of equity. You can use this equity to purchase a rental property and increase your monthly cash flow. With rent prices currently up on average 12% Year over Year, combined with a record-high population increase, there has never been a better time to explore owning an income property.

Reach out to explore your options.

Here are three benefits to buying in today’s market;

1. Higher rates mean less competition giving you more buying power.

2. Prices are finally starting to come down after record-setting years, making buying more affordable.

3. Rates will go back down, and when they do, those who got in the market today will be able to restructure their mortgage and save on interest in the long run.

If you are thinking about buying or have questions, reach out for free, unbiased advice you can trust

Refinancing means getting out of your current mortgage and replacing it with a new one. A minimum of 20% home equity is required to complete a refinance. Since breaking your existing mortgage comes with a fee, I can conduct a personalized cost/benefit analysis so you can determine whether refinancing makes sense.

Three common reasons people refinance are 👇
1. Consolidate high-interest debt
2. Renovations
3. Access lowest-cost funds for a large expense

To best meet your needs, I have a wide array of products to choose from – banks, private sources, independent lenders, etc. If you are in the market for a mortgage, reach out. Whether you want to explore your options or get a second opinion, the lending options available could save you thousands!

A rate hold will allow you to secure your interest rate so you can take your time house shopping. If rates rise, you will be able to take advantage of the rates available today. If rates drop, you will still be able to secure the lowest rate available for you when you are ready to buy.

If you are considering buying over the next couple of months, now is the time to secure your rate. Reach out today!

Want to know more about reverse
mortgages? Give me a call!

As seen in the latest TAKE 5: Julie Stewart-Boyle, Mortgage Advisor Learn more about TAKE 5 Newsmagazine here: https://take5.ca/advertise-contact/

I have access to lenders specializing in self-employed borrowers and will take your entire picture into account. I will assess your situation and advise how to present your case best.

Helping self-employed borrowers is one of our specialties!

This year has been one for the books regarding your mortgage. You might have questions about whether your current mortgage is right for you. Maybe your situation has changed, or your mortgage is coming up for renewal in 2023.

Reach out today and schedule your free Mortgage Check-up.

Are you overwhelmed with the monthly payments on your high-interest credit card debt?

The best solution might be debt consolidation using a mortgage refinance. You may be able to pay off all of that high-interest debt with a new mortgage, allowing you to save significant interest costs, pay less each month on your debt for improved cash flow, have one manageable payment, and reduce your stress! Essentially, you get a financial reset allowing you to focus on the future and build wealth.

You need to have enough home equity; costs are involved when you break your current mortgage. Reach out and we can do a cost/benefit analysis to help you determine if this reset strategy is right for you.

Lenders will typically let you renew your mortgage without penalty 120 to 180 days before your current term is up. They will often send you an early renewal offer during this period. It is important to know that early renewal offers are usually uncompetitive. The best thing to do is reach out so we can explore your options.

If your mortgage is coming up for renewal, you need to start preparing for higher rates. Two tips to help you get ready are:

1. Take advantage of your prepayment privileges and increase your payment amount. You will pay down more principal and be accustomed to paying a higher amount at renewal.

2. Watch your bad debt. Be cautious about any credit card or other high-interest debt.

It is not about panicking; it’s about being prudent. Reach out, and we can help determine your best strategies.

If you are currently renting your home, reach out to explore your options of homeownership. With current rent-to-own programs, or first-time buyer assistance, there are lots of options available to help you get into the market.

When it comes to home renovations, you have options. Whether through refinancing, a HELOC or alternative credit products, I will work with you to see what's best for you. Reach out today.

It’s no surprise that 51% of mortgage consumers relied on brokers. Working with me gives you access to hundreds of lenders with one application ensuring you get the best rate and terms with your mortgage.

Rather than purchasing an existing home, a construction loan allows you to borrow money to have your own home built for you. This allows you to construct your own home from the ground up. Homebuilding loans differ from ordinary mortgages in terms of loan length and loan availability.

Here are a few quick tips on construction loans 🛠:
📌Construction loans enable you to fund the construction of unique residences.

📌You do not receive the entire mortgage amount straight front. Instead, four payments are made with each building milestone.

📌Construction loan rates are often higher than regular loan rates.

For more information on construction loans, send me a message!

With the higher interest rate environment we are currently in, a solution to lowering your monthly mortgage payment could be extending your amortization. Extending your amortization will stretch your mortgage repayment schedule, potentially lowering your monthly payment.

Reach out, and we can explore your options.

Mortgage Brokers work with various lenders, so one application lets you shop over 50 lenders. Plus, we work with credit unions and private lenders who offer alternate qualifying methods than the stress test.

Reach out today to start the conversation.

As a mortgage broker I am always finding more ways to help Canadians fulfil their dream of homeownership. I have a wide array of products to choose from – banks, private sources, independent lenders, etc. Whether you are looking to explore your options or get a second opinion, the lending options available could save you thousands! Reach out today.

A large percentage of mortgages renew each Fall. At renewal, you can renegotiate everything pertaining to your mortgage – with no penalties – which means this is an important moment of opportunity. You may also want to discuss refinancing your mortgage to pay off debt, complete renovations, or pay for a major expense ahead. Reach out today and start the process!

We know that borrowing money is harder for self-employed Canadians which is one of the reasons why working with a Mortgage Broker is so important.

I have access to lenders who specialize in self-employed mortgages and understand the challenges that business owners face. If you are self-employed and looking to buy, renew or refinance, send me a message.