Colleen Saunders

Mortgage Professional

Mortage Agent, Licence #M08002736
The Mortgage Department Corporation, Licence #10585

Current Best Rates


10 yr4.24%6.61%
5 yr3.44%5.34%
4 yr3.64%4.89%
3 yr3.69%4.15%
2 yr3.59%3.89%
1 yr3.59%3.89%

Mortgage Application

Latest Blog Post

Should You Take Equity From Your Home?

We all come to a point in our lives when we may need to refinance our mortgage to invest in a major purchase, home renovation, investment, emergency or consolidate outstanding debts.  The interest rates on mortgages are much less than borrowing via another vehicle....

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Pros & Cons Of Reverse Mortgages

I receive a number of enquiries about Reverse Mortgages and the question is always “is this a good product for someone in retirement?”  Personally, I am not a big fan of Reverse Mortgages but here are the pros and cons to consider. What is a Reverse Mortgage?  A...

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How To Stop Those Nasty Collection Calls

I have never personally experienced those nasty calls from Collection Agencies however many of my clients have and I have heard of the verbal abuse they have been subjected to. It is plain wrong, there is no reason you should have to listen to that type of abuse....

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Staying Positive In Challenging Times

I read a business associates’ blog the other day and it really spoke to me and was a great reminder that positivity brings positivity and vice versa.  Therefore, I am guest blogging a section of Louise Veres post.  For the full post, go to website below. I recently...

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What Is The Difference?

Borrowing money to enhance your personal wealth or education constitutes good debt or “constructive debt”. A mortgage, RRSP loans and student loans fall into this category. This type of debt enhances your lifestyle and career satisfaction. Almost anyone can get a...

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The Stigma Attached To 2nd Mortgages

I had a very interesting conversation with a client. She happened to overhear 2 people at work openly discussing obtaining a 2nd mortgage. She was telling me that as a child, she remembered her parents discussing friends that had to get 2nd mortgages and her parents...

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