Donna MacDonald Mortgages

08/21/2026

Affordable development coming to Ottawa 🏘️:

Ottawa developer Caivan is launching a new collection of multi-bedroom townhomes starting at $289,914, saying recent HST relief and lower development charges helped bring prices below $300,000. The Summit Series at the company’s Magnolia development in Stittsville will include two- and three-bedro...

08/21/2026

Make living in your new home an enjoyable experience.

08/20/2026

Mortgage Broker vs. Bank: What’s the difference?

When you go directly to a bank, you’re limited to the mortgage products and options that bank offers.

When you work with me as your Mortgage Broker, I can look beyond one lender. I have access to multiple lenders and mortgage solutions, which means I can compare options and help find the right fit for your needs, goals and financial situation.

I also work for you, helping you understand your options, navigate the mortgage process and make a more informed decision.

Why settle for one lender’s options when I can help you explore more?

Let me do the shopping for you.

08/18/2026

Your credit has a memory - and I can help you build the history lenders want to see.

From understanding what can impact your credit profile to developing stronger credit habits, the right guidance today can help put you in a better position when it’s time to apply for a mortgage.

Ready to strengthen your credit? Let’s build a plan together.

08/18/2026

You’ve probably heard the word amortization when talking about mortgages... but what does it actually mean?

Amortization is the total length of time it takes to pay off your mortgage in full.

For example:
📅 A 25-year amortization means your mortgage payments are calculated so that your loan is fully paid off over 25 years.

08/14/2026

Many people think everyone qualifies for the advertised rate, but that's rarely the case. Your mortgage rate is based on a number of factors. Curious about your rate? Reach out: donnamac.ca

08/13/2026

A lower mortgage rate can catch your eye, but I’ll help you look at what’s behind the number.

When your mortgage is up for renewal, it’s important to compare more than just rates. Prepayment privileges, portability, penalties, payment flexibility, and other mortgage features can all affect how well your mortgage works for you throughout the term.

Message me before you renew, and I can help you review your mortgage renewal options to find the right fit for your financial goals and future plans.

08/11/2026

Buying a home with someone? Your finances work together, and I can help you understand what that means for your mortgage.

When you apply together, lenders consider both applicants’ income, debts, credit history, and overall financial picture. Combining incomes may increase your borrowing potential and open up different mortgage options, while existing financial obligations can also affect how much you qualify for.

Message me today to see what buying together could mean for your mortgage options and home buying budget.

08/11/2026

What are you really left with at the end of the month? 🤔

08/10/2026

While this is not an exhaustive list, preparing these documents can make the mortgage process smoother and help avoid delays when it’s time to make an offer.

Every situation is different, and the documents required can vary depending on whether you’re employed, self-employed, buying your first home, or refinancing.

Need help getting mortgage-ready? Let’s chat!