Miriam Newman Mortgage

10/10/2026

Imagine getting this call from me:

“I’ve tracked your mortgage; even considering the breakage penalty, moving to this other lender will still save you ~9000$ , and free up 400$ monthly budget. You in?”

Want your mortgage tracked?
https://www.miriamnewman.ca/track-your-mortgage

10/10/2026

Same balance. Same house. Almost 20 years sooner. 🗺️

With an Offset Mortgage, their paycheque lands in an account that sits against the mortgage. Every dollar parked there shrinks the balance they're charged interest on, every single day. And the money is still theirs to use anytime.

The result:

➡️ Mortgage-free in ~6.5 years instead of 26 years

➡️ Could pay $389,745 less in interest

FORWARD me this post and I'll run YOUR numbers. 📩

Estimates, results will vary, this is not a guarantee. Yours will look different.

10/10/2026

https://youtube.com/shorts/dGh6Rk87Zgo?si=fRssZOlEmtIevREk

10/09/2026

What if you could be mortgage-free almost 20 years sooner, without earning more?

Same house. Same income. Same balance.
One change: their paycheque now sits against their mortgage in an Offset account. They're charged interest on a smaller balance every day, and the money is still theirs whenever they need it.

📍 Before: mortgage-free in 26 years
📍 After: mortgage-free in 6.5 years

Swipe through to see how it works 👉

Curious what yours could look like? Forward me this post and I'll run your numbers. No strings attached.

Miriam Newman, Licensed Mortgage Broker · Montreal

10/08/2026

Nearly 4 in 10 people who just got or renewed a mortgage are worried about their payments. 😬

Better than last year. Still not good enough.

Worry isn't a sign to panic. Its a sign your plan is not clear. It's a sign you need a strategy.

Forward me this post and I'll map your refinancing options with you.

Source: CMHC 2026 Mortgage Consumer Survey. General information, not advice.

10/07/2026

Advice to my younger self….:

January 2026 was a big change, and I am so grateful for everyone who’s been along for the ride

10/07/2026

Rock, paper, scissors, mortgage edition.

When it comes to your mortgage, some moves simply beat others. The right strategy depends on your goals, your finances and where you’re headed next.

Swipe through to see which moves come out on top, and reach out to me if you want to talk through your options.

10/07/2026

Quick money question for my West Island neighbours 🏡

Do you have savings in one account and a mortgage in another?

Lots of us do. And it could be costing more than we think.

Example:
$500K mortgage at 4.5%
$60K in savings at 1%

That $60K could earn about $600 a year in savings.
But your mortgage keeps charging interest on the full $500K.

With an Offset Mortgage, your savings sit right against your mortgage until you need them. In this example, that could save about $2,700 a year in interest.

That's roughly $2,100 a year back in your pocket. Same money, different setup.

Curious what it could look like for you? Forward me this post and I'll run your numbers. No charge. No obligation. 📩

(Example only. Rates are illustrative.)

10/05/2026