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Please let me know what mortgage solutions you are looking for.

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398 Lloyd St.
Sudbury, ON P3B 1P3

pberthiaume@todaysmortgagechoice.com

FAQ

How much does it cost to use a mortgage agent?

Typically, there’s no cost to you! I’m paid by the lender for traditional mortgages.

What’s the advantage of using a mortgage agent over a bank?

I shop the market for you — saving you time, money, and giving you access to a wider variety of options.

Can you help if my credit isn’t perfect?

Absolutely. I work with alternative lenders and private mortgage options for credit-challenged clients.

Do you offer Private Mortgages?

Yes! As your mortgage agent, I help match you with reputable private lenders when traditional options aren’t available to provide tailored short-term solutions for your unique borrowing needs.

paulberthiaumemortgages

🏡 Mortgage Agent Level 2 @todaysmortgagechoice
Licence# 13324
🔑 Finding you the best mortgage rate

Unfortunately, I do love...everything about being

Unfortunately, I do love...everything about being a Mortgage Agent! 🏡

Helping clients reach their homeownership goals, finding creative solutions, and seeing those keys handed over, it never gets old.

If you’re ready to start your home journey, reach out! 📞 (705) 677-5169

#BetterCallPaul #MortgageAgent #SudburyMortgages #Trend #RealEstateSudbury

💡 Financial Planning Tip: Take a closer look at

💡 Financial Planning Tip: Take a closer look at your mortgage terms! 🏡

Many homeowners sign their mortgage and don’t think about it again until renewal, but small changes like refinancing, adjusting your payment frequency, or using prepayment privileges can save you thousands in interest and help you pay off your mortgage faster.

🔎 Have you reviewed your mortgage recently? Let’s chat — Better Call Paul today!

#MortgageTips #FinancialPlanning #Refinance #BetterCallPaul #SudburyMortgageAgent #HomeOwnership

💡 Need flexible access to funds? A HELOC (Home

💡 Need flexible access to funds?

A HELOC (Home Equity Line of Credit) gives you revolving access to your home’s equity — perfect for major purchases, ongoing renovations, or simply having a financial cushion.
I’ll help you set up a HELOC that works with your lifestyle and long-term goals.

📞 Ready to get started? Better Call Paul today!

#HELOC #HomeEquity #MortgageTips #BetterCallPaul #SudburyMortgageAgent #FinancialFlexibility

📉 Are mortgage rates going down in Canada? Yes!

📉 Are mortgage rates going down in Canada? Yes! Rates are trending lower, both variable and fixed:

💡 Variable-Rate Mortgages: September 2025 the benchmark rate was cut to 2.5% which lowered Canada’s prime rate to 4.70% - good news for variable-rate holders! Analysts expect further cuts, meaning even lower borrowing costs in the future.

💡 Fixed-Rate Mortgages: Five-year Government of Canada bond yields have dropped to 2.6%–2.7%, driving five-year fixed insured rates down.

🏡 Bottom line: Now could be a great time to explore your mortgage options, whether you’re buying, renewing, or refinancing.

📞 Better Call Paul to get the latest rates and personalized advice for your situation!

#MortgageRates #HomeBuyingTips #VariableRateMortgage #FixedRateMortgage #BetterCallPaul #SudburyMortgages #MortgageAdvice

Did you just receive your Child Tax Benefit? 👧👦

If you’re shopping for a mortgage, don’t forget to tell your mortgage agent! Any Child Tax Benefit or spousal support you receive can count toward your income — and yes, you can use 100% of it to help qualify for a mortgage. 💰

Let me help you make the most of your income when buying your home! 🏡

#BetterCallPaul #SudburyMortgageAgent #MortgageTips #FirstTimeHomeBuyer #ChildTaxBenefit #MortgageQualification

Down Payment Saving Tip: Take advantage of the Fir

Down Payment Saving Tip: Take advantage of the First Home Savings Account (FHSA) 🏡💰

This program lets first-time homebuyers contribute up to $8,000 a year (to a lifetime max of $40,000). The best part? Your contributions are tax-deductible (like an RRSP), and any money you withdraw for a qualifying home purchase is tax-free (like a TFSA).

It’s basically the best of both worlds and one of the smartest tools available to help you save for your down payment.

#FHSA #DownpaymentTip #FirsttimeHomebuyers #mortgage #MortgageAgent #SudburyRealEstate

📊 Your credit score can make a big difference w

📊 Your credit score can make a big difference when it comes to getting the mortgage you want, from qualifying for your dream home to securing the best interest rate. 🏡

💡 Tips to get smart about your credit:
Pay your bills on time ⏰
Keep credit card balances well below your credit limit 💳
Avoid big purchases or loans (like for a car) right before applying for a mortgage 🏡

As your mortgage agent, I can guide you on how your credit impacts your mortgage options and help you prepare to get the best rate possible.

📞 Better Call Paul and get smart about your credit today!

#GetSmartAboutCredit #MortgageTips #BetterCallPaul #SudburyMortgages #CreditScoreMatters #HomeBuyingTips

❓ What happens to your mortgage if you go throug

❓ What happens to your mortgage if you go through a divorce or breakup?

A spousal buyout might be the solution. This program lets one spouse purchase the other’s share of the home without selling the property. It’s a way to stay in the home and restructure ownership while keeping your finances in check.

As your mortgage agent, I can guide you through the process, secure the right financing, and ensure the buyout works for your financial situation. 🏡

📞 Better Call Paul to see if a spousal buyout is the right option for you!

#BetterCallPaul #SudburyMortgageAgent #HomeFinancing #SpousalBuyout #MortgageTip

Can your mortgage renewal be denied? 🤔 Yes, you

Can your mortgage renewal be denied? 🤔 Yes, your mortgage renewal can be denied by your current lender if your financial situation has changed significantly, such as a drop in income, a poor credit score, or a high debt-to-income ratio.

A history of missed payments, or changes to lender policies, can also lead to a denial. If this happens, you should first contact your lender to understand the specific reasons for denial and then explore options like refinancing with a new lender, improving your financial situation, or seeking a private lender.

💡 Don’t wait until renewal time to find out your options! Contact me today and I’ll help you explore the best solutions to secure your mortgage.

#MortgageRenewal #MortgageTips #BetterCallPaul #SudburyMortgages #MortgageAdvice

Mortgages are a lot like wine 🍷… it’s all a

Mortgages are a lot like wine 🍷… it’s all about finding the perfect match for you.
Let me be your sommelier for mortgages — I’ll help you find the rate, term, and mortgage type that fits your lifestyle and goals. 🏡✨

Ready to find your perfect mortgage pairing? Better Call Paul today! 📲

#BetterCallPaul #MortgageTips #HomeBuying #SudburyMortgages #WineAndMortgages #MortgageAgent

🍂 Happy Thanksgiving! 🦃 This weekend, I’m

🍂 Happy Thanksgiving! 🦃

This weekend, I’m feeling especially grateful for my family, friends, clients, and the incredible community I get to work with every day. 🙏

Wishing everyone a holiday filled with good food, great company, and plenty of reasons to give thanks. 🧡🏡

#Thanksgiving #Gratitude #BetterCallPaul #HomeOwnership #SudburyCommunity

Maximize your returns with tailored lending option

Maximize your returns with tailored lending options for rental properties.🏡

Looking to build your real estate portfolio? I specialize in helping investors secure the right mortgage for rental properties, whether it’s your first investment or your fifth. I’ll guide you through important considerations like down payment requirements, cash flow strategies, and financing options. 💰 🏠

#InvestmentProperties #RentalProperties #BetterCallPaul #MortgageTips #Mortgage #MortgageAgent #SudburyOntario

💡 Want to pay off your mortgage faster? Use thi

💡 Want to pay off your mortgage faster? Use this tip to cut your 30-year mortgage in half by making a few strategic tweaks to your payments — without refinancing or extra fees! 🏡💰

#BetterCallPaul #MortgageTips #MortgagePaymentStrategy #SudburyMortgageAgent #HomeOwnershipGoals

💼 Happy Own Business Day! Running your own bus

💼 Happy Own Business Day!

Running your own business comes with its own set of challenges… and that includes securing a mortgage. Many business owners face unique situations when it comes to income verification or qualifying for financing.

That’s where I come in! As a Mortgage Agent Level 2, I help business owners explore all their mortgage options, from traditional lending to flexible solutions that fit your unique financial situation.

Whether you’re buying your first home, upgrading, or investing in property, I’ll make sure your mortgage works for you and your business.

📞 Need guidance? Better Call Paul!

#OwnBusinessDay #MortgageTips #SmallBusinessOwners #SudburyMortgages #BetterCallPaul #MortgageSolutions

Out of all my entrepreneurial ventures - from runn

Out of all my entrepreneurial ventures - from running a gas station at 17 years old to owning a store in the mall - being a mortgage agent has been my favourite. 💙

Why? The relationships. The people. Helping families, first-time buyers, and investors achieve their dreams. Everything I’ve built in business over the years comes full circle here. It’s not just about mortgages - it’s about the connections and trust I get to earn every day. 🤝

#BetterCallPaul #MortgageAgent #CustomerFirst #SudburyMortgages #HomeBuyingMadeEasy #ClientRelationships

October is Financial Planning Month – the perfec

October is Financial Planning Month – the perfect time to take a step back and make sure your finances are working for you, not against you. Whether it’s managing debt, saving for a first home, or building long-term wealth, small adjustments today can have a big impact on your future.

When it comes to mortgages, the right plan can help you pay off your home faster, save thousands in interest, and set you up for financial freedom.

Let’s create a mortgage strategy that fits your life and your goals. 🏡💡

#BetterCallPaul #FinancialPlanningMonth #Mortgage #MortgageAgent #SudburyOntario #RealEstateSudbury

🏡 Thinking about refinancing? Tap into your ho

🏡 Thinking about refinancing?

Tap into your home’s equity or restructure your mortgage for better terms.

Refinancing your mortgage can help you:
✅ Access funds for renovations or major expenses
✅ Consolidate high-interest debt into one manageable payment
✅ Lower your monthly payments with better terms
✅ Restructure your mortgage to align with your financial goals

As your mortgage agent, I’ll walk you through the numbers and help you decide if refinancing makes sense for your financial goals - and then find the best terms available.

📲 Considering refinancing? Better Call Paul!

#Refinancing #BetterCallPaul #MortgageTips #Mortgage #MortgageAgent #SudburyOntario #RealEstateSudbury #SudburyMortgages

Everyone talks about their successes… but today $Everyone talks about their successes… but today I want to share one of my biggest investment mistakes — and what you can learn from it. In my young 20’s I was so excited to buy this used sports car 🏎️, but over time I poured way more money into repairs and upgrades than the car was actually worth. When I sold it, I only got a fraction of that money back. Cars are depreciating assets — no matter how cool they look. 😅 Looking back, if I had put that same money into a rental property, my investment could have grown instead of shrinking. That’s why when I give advice about real estate and mortgages, it comes from real experience — I’ve been there, and I’ve learned the hard way. Lesson: Invest in assets that build long-term value, not ones that just drain your wallet. 💡 #BetterCallPaul #MortgageTips #Mortgage #MortgageAgent #SudburyOntario #RealEstateSudbury #SudburyMortgages$

💬 Here’s the deal: Mortgage interest on your

💬 Here’s the deal: Mortgage interest on your primary residence is not tax deductible in Canada.

But - if you’re using a mortgage to buy a rental property, it’s a different story. ✅ In that case, the interest portion of your mortgage can be deducted as an expense because it’s tied to earning income from tenants.

👉 Important to note: this deduction applies only to the original term of the loan.
Bottom line: your ability to deduct mortgage interest depends on how the property is being used.

Have questions about tax-smart mortgage planning? Better Call Paul!

#BetterCallPaul #MortgageTips #Mortgage #MortgageAgent #MortgageFacts #MortgageMythBusting #SudburyOntario #SudburyMortgages

☕️ Happy National Coffee Day! This video got

☕️ Happy National Coffee Day!

This video got a lot of love when I first shared it a few years ago — and while coffee prices have gone up, the message is still the same, and probably even more relevant!

💡 Did you know… if you and your partner saved just $2.50 each per day by not buying a coffee out, that’s about $2,000 a year. Put that toward your mortgage and it could mean an extra payment every year. Do this consistently, and you could shave 5–7 years off your amortization!

So… who’s brewing at home from now on? 👀☕️

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About
Services
Calculator
Contact

Paul Berthiaume

Mortgage Agent Level 2
ON LIC# 13324
Today’s Mortgage Choice

About
Services
Calculator
Contact

398 Lloyd St.
Sudbury, ON P3B 1P3

pberthiaume@tmcgroup.ca

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