Isadora DeBortoli

Dreaming of owning your own vacation home? I can make your dreams a reality. Contact me today to discuss your options, my services are FREE!

An easy read on an interesting shift in demand. The original need for large office spaces transitioned to shared workspaces, but now with an individual demand of 6ft and being weary of moistly speakers, we are all ensuring our home office is set up for the long haul. https://www.macleans.ca//out-of-office-is-the-new-office-/

I specialize in getting first-time buyers approved. Contact me today to get the right mortgage for your situation. Best of all, my services are at NO COST to you!* OAC. DM or email: [email protected]

If your mortgage is coming up for renewal before the end of October I’m happy to help renegotiate to get you the best option possible! DM or email me at [email protected]

I am often discussing how rate is important....but not everything - here is a great article on WHY the terms and conditions in your mortgage contract can end up costing you much more than a small difference in rate over time... "HSBC’s rate is noteworthy because it is the lowest advertised five-year fixed rate ever offered by a bank in Canada, but any responsible purveyor of mortgage advice should always take care to remind you that your overall borrowing cost often compri...ses a lot more than just the rate." If you have questions about your own mortgage or if you're thinking about purchasing, don't hesitate to reach out! DM or email [email protected]

Although rate isn't everything, it may be a good time to redo your mortgage to take advantage of current rates. Don't hesitate to reach out if you have any questions!

It’ll mark the first time since January 2018 (when OSFI’s stress test began) that this benchmark rate has been under 5%, DM me if you have any questions!

Even in uncertain times it’s important to look ahead to the future. Here are 4 ways first-time buyers can get assistance to help achieve their goals of home ownership.

My focus is to support my clients in these stressful times while ensuring their health & safety. With the necessary tools & technologies integrated in my business processes, I am able to assist you virtually with all your mortgage needs. DM with any questions you may have!

If you're having difficulties making a mortgage payment during COVID-19, contact me to find out if a mortgage deferral is right for you. There may be other options that may make more financial sense for your situation. DM me, I am happy to help!

PEACE OF MIND MORTGAGE PROMO We are able to offer our clients anywhere between 1-3% cashback on a purchase or mortgage switch/transfer transaction. If you are looking to make a purchase or have a mortgage renewal/switch coming up, this may be a product worth considering. Here are just a few scenarios as to when this product may be beneficial:... - You are carrying higher credit card or line of credit balances - You are purchasing a new home and may need some extra funds for furniture, renovations etc. - You feel that Covid 19 may have a negative impact on your finances/income in the future and would like some extra funds as a ‘buffer’ Rates for this product are also very competitive! Please PM me if you would like some more information.

"The Bank of Canada today maintained its target for the overnight rate at percent, which the Bank considers its effective lower bound. The Bank Rate is correspondingly percent and the deposit rate is percent. The Bank also announced new measures to provide additional support to Canada’s financial system." The next scheduled date for announcing the overnight rate target is June 3, 2020.

If you are looking for guidance on how to navigate your mortgage or purchase during this time don't hesitate to reach out! I am here for you, send me a message and we can chat

"How do mortgage deferrals work? This is a common question as the announcement of the option has led to much confusion among borrowers. Essentially a mortgage deferral is an agreement between the borrower and the lender that mortgage payments will be suspended temporarily. But those interest payments will still have to be made at some point, not to mention additional interest on that outstanding amount. How that is done can vary by lender, but most will spread the interest on those deferred payments over future payments, or perhaps even the life of the mortgage

"RBC once again led the way by confirming it would match the BoC’s 50-bps rate cut by dropping its prime rate to 2.45%. Scotiabank, TD, BMO and CIBC then followed in quick succession, announcing that the rate changes would come into effect on Monday. The change will again affect all existing floating mortgage rates, as well as lines of credit and home equity lines of credit. Those shopping for new variable-rate mortgages, however, may not find the kind of deals they would expect with such a low overnight rate. Liquidity concerns and risk premiums have caused mortgage lenders to begin hiking their rates, as we reported recently."

Please remember that mortgage deferrals are for those who have been directly impacted by Covid-19. The call centres are having a hard time keeping up with demand right now so please be patient and check your lenders website for more information. Hope you’re all staying healthy with your families at home.

Find out how much you can qualify for so you can choose your dream home with peace of mind. And best of all, my services are at no cost to you!* OAC. Contact me today.

With everything going on, know that I am following closely and will keep up to date on how better to assist!

As your mortgage professional, I would be happy to look at your current mortgage to see if you can save money in interest or help you plan for your next move. Contact me today to get started! Dm or email me: [email protected]

Feeling so grateful for all my wonderful clients which allowed me to accept my award as a Mortgage Master again for 2019! Also thanks to Sasha for the beautiful art in my office;)

I’ll admit it, social media management is not high on my priority list of things to do. I focus the majority of my work time connecting in person, writing thank-you cards, delivering housewarming gifts and most of all negotiating to get my clients exactly what they want! I may not be good at selfies but I have 15 years mortgage consulting experience and many happy clients whom I’ve never asked to write a review but please feel free;) Thank-you! If you have any questions don’t hesitate to call or message me directly.

Want to know more about the new federal government home buyer incentive program? Its going to be great for certain people. If you would like to know if you qualify I'm the person to call! https://www.placetocallhome.ca//first-time-homebuyer-incen

It’s renovation season! Check out this helpful article to figure out what to budget for certain projects. https://www.hgtv.ca//common-renovating-costs-walls-doors-/

Always feels so good to be able to give back!

One of my best friends and referral sources deserves this recognition for all the heart and soul she gives out, thank-you Sarah you make the world a better place!

Platinum & Black - the best colours for awards, business cards and cars

Thinking about buying this year? https://www.hgtv.ca//photos/buying-first-home-2019-1923194/

Need something interesting and helpful to do on your lunch break...I went with a friend it was quite fun!

This was such a fun dinner, thanks to Kevin Mercier and Andrew Kempton for spoiling us! I'm happy to to be an Ambassador of the Mortgage Alliance - Cutting Edge Lending Team!

Thinking of investing in real estate? I can help make it happen!

Thanks 86 friends for liking my page in one day! Social media promotion isn't my strongest skill but providing personalized service and low interest rates to my A+ clients is my bread and butter and I LOVE IT! Feel free to message me if you have any questions at all ;)

Yes its true, if I've helped you with your mortgage this year you've automatically been entered in this draw!

Contact me for Elite Service for negotiating a better interest rate upon renewal.