Ryan Ellis Mortgage

06/11/2026

Hey All,
I will be hosting a webinar on 'Debt Consolidation options for Homeowners' throughout the month of June. These sessions are private and confidential.

Register and select from one of the available Dates and Times Here: https://attendee.gotowebinar.com/rt/6856959587010552924

06/10/2026

Looking to buy or sell in Saskatoon?

Congratulations to one of my elementary school teachers and his family on their new home! 🏡

A fun one to be a part of. Took some patience from them to find the right one, but We found the right fit, put together a strong offer, and got them an awesome home.

Thank you for trusting me throughout the process. Wishing your family many great years and memories in the new home.

Thinking about buying your first or next home in Sask? Reach out today let’s put a plan in place!

Finley Macfarlane | Saskatoon REALTOR®
Boyes Group Realty Inc.
306-370-2314
www.finmacrealty.com
[email protected]

06/10/2026

Bank of Canada maintains the policy rate meaning no change to Variable mortgage rates.

Automatically view the rate announcement the moment it is published.

05/05/2026

B lending 101. “B” or alternative lenders help when credit is bruised, income is non-traditional, or the property is unique. Expect larger down payments and slightly higher rates, but often it’s a smart bridge to get you in the market or back on track.

05/04/2026

Bridge financing lets you buy before your current home closes. It’s short-term and covered when your sale funds come in. It can save you from moving twice or missing out on a great home.

05/03/2026

Mortgage insurance providers in Canada include CMHC, Sagen, and Canada Guaranty. Each has slightly different guidelines. We match you to the one that fits your profile and property.

05/02/2026

Prepayment penalties explained:
Penalties vary by lender. One client saved money by waiting two months to break early, because the penalty dropped at term month 36. Before you make a move, I can estimate your penalty and timing.

05/01/2026

A contractor with strong revenue but low taxable income could not fit bank rules. We used a B lender with bank statements and an accountant letter to support income. He got a fair rate and a two-year plan to move to an A lender later.

04/30/2026

Budget 1% to 2% of the purchase price for closing costs like legal fees, land transfer tax, and adjustments. A client almost came up short but we planned early and used a gifted funds letter properly. Plan ahead and you’ll avoid last-minute stress.

04/29/2026

Rate vs total cost:
Lowest rate is not always lowest cost. A client almost picked a no-frills mortgage with a big penalty and limited prepayments. We chose a slightly higher rate with flexible terms that saved them thousands later.