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The mortgage process can be intimidating. We can help you get the right mortgage when you follow my 3 step plan.

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The best place to start is to connect with Erica directly. As the mortgage process is personal, our commitment is to listen to all your needs, assess your financial situation, and provide you with a clear plan forward to secure financing.

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Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let us cut through the noise, we'll outline the best mortgage products available with your needs in mind.

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When it comes time to arranging your mortgage, we have the experience to bring your financing together. Our goal is to make sure you know exactly where you stand at all times. No surprises. We've got you covered.

Mortgage Agent Level 2 Licence # M16000607

I’ve been a proud military spouse for over 25 years, balancing my husband's Air Force career with raising a family and having a career of my own. In 2016, I joined The Mortgage Advisors in Petawawa and I enjoy being a part of helping people achieve their dreams of homeownership. In 2018 I partnered with Erica Vincelli and together we are the perfect balance of skills.


Oftentimes, mortgage financing can seem confusing and overwhelming, especially as buying a home is one of the biggest financial decisions you’ll make. We embrace the challenges and would love the opportunity to guide you through all your mortgage options.


We specialize in working with First Time Home Buyers and military families. Not every mortgage is created equal, and the lowest rate isn’t always indicative of mortgage suitability. The goal is to find the mortgage product that best suits your long term needs and lowers your overall cost of borrowing.


Let us help find the best mortgage for you!

Erica Vincelli

I’m an award-winning, licensed mortgage agent, born and raised in this beautiful city of Ottawa. As a homeowner, real estate investor and landlord since the age of 21, I understand and have personally experienced many of the same struggles of obtaining a mortgage through the banks. 

When options are not properly explained, you may get trapped in a high penalty mortgage or worse, one you can’t get break free from at all. The fine print can be the most important detail and my team and I are here to provide clarity and do the hard work for you.


Having a passion for helping people, a love for numbers and real estate and the confidence to negotiate for your best mortgage, you will feel assured that you have the right people working for you. I am determined to change the way you experience and understand your mortgage and happy to share my 5-Star Reviews as they are proof of that commitment. My intention is to help you achieve your mortgage goals, whether it is to build a real estate portfolio or be mortgage free faster. I find ways to help you save money and time, and enjoy the process along the way.

When you put your trust in my team, you will be treated with respect while receiving ongoing communication and updates, all from the comforts of your home or work so that your life is not interrupted because the most important part of this process should not be getting the mortgage but rather the excitement of owning your very own home.



My name is Erica Vincelli and I am YOUR mortgage advisor.

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Some nice things clients have said about Us.

Mortgage financing for the Canadian Armed Forces

We have considerable experience arranging mortgage financing for members of the Canadian military. I'd love to work with you!
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Mortgage services to meet your needs.

Whether you're looking to purchase a property, refinance an existing mortgage, or if your mortgage is up for renewal, you've come to the right place. Select from the options below.

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The best place to start the mortgage process is to contact me directly.

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We'll be your guide through the entire mortgage process.

Articles to keep you learning.

Bridge Financing and Deposit Lending

By Lindsey Cupelli • 24 Apr, 2024
Let’s say you have a home that you’ve outgrown; it’s time to make a move to something better suited to your needs and lifestyle. You have no desire to keep two properties, so selling your existing home and moving into something new (to you) is the best idea. Ideally, when planning out how that looks, most people want to take possession of the new house before moving out of the old one. Not only does this make moving your stuff more manageable, but it also allows you to make the new home a little more “you” by painting or completing some minor renovations before moving in. But what if you need the money from the sale of your existing home to come up with the downpayment for your next home? This situation is where bridge financing comes in. Bridge financing allows you to bridge the financial gap between the firm sale of your current home and the purchase of your new home. Bridge financing allows you to access some of the equity in your existing property and use it for the downpayment on the property you are buying. So now let’s also say that it’s a very competitive housing market where you’re looking to buy. Chances are you’ll want to make the best offer you can and include a significant deposit. If you don’t have immediate access to the cash in your bank account, but you do have equity in your home, a deposit loan allows you to make a very strong offer when negotiating the terms of purchasing your new home. Now, to secure bridge financing and/or a deposit loan, you must have a firm sale on your existing home. If you don’t have a firm sale on your home, you won’t get the bridge financing or deposit loan because there is no concrete way for a lender to calculate how much equity you have available. A firm sale is the key to securing bridge financing and a deposit loan. So if you’d like to know more about bridge financing, deposit loans, or anything else mortgage-related, please connect anytime! It would be a pleasure to work with you.

A First Home Savings Account (FHSA)

By Lindsey Cupelli • 18 Apr, 2024
Dreaming of owning your first home? A First Home Savings Account (FHSA) could be your key to turning that dream into a reality. Let's dive into what an FHSA is, how it works, and why it's a smart investment for first-time homebuyers. What is an FHSA? An FHSA is a registered plan designed to help you save for your first home taxfree. If you're at least 18 years old, have a Social Insurance Number (SIN), and have not owned a home where you lived for the past four calendar years, you may be eligible to open an FHSA. Reasons to Invest in an FHSA: Save up to $40,000 for your first home. Contribute tax-free for up to 15 years. Carry over unused contribution room to the next year, up to a maximum of $8,000. Potentially reduce your tax bill and carry forward undeducted contributions indefinitely. Pay no taxes on investment earnings. Complements the Home Buyers’ Plan (HBP). How Does an FHSA Work? Open Your FHSA: Start investing tax-free by opening your FHSA. Contribute Often: Make tax-deductible contributions of up to $8,000 annually to help your money grow faster. Withdraw for Your Home: Make a tax-free withdrawal at any time to purchase your first home. Benefits of an FHSA: Tax-Deductible Contributions: Contribute up to $8,000 annually, reducing your taxable income. Tax-Free Earnings: Enjoy tax-free growth on your investments within the FHSA. No Taxes on Withdrawals: Pay $0 in taxes on withdrawals used to buy a qualifying home. Numbers to Know: $8,000: Annual tax-deductible FHSA contribution limit. $40,000: Lifetime FHSA contribution limit. $0: Taxes on FHSA earnings when used for a qualifying home purchase. In Conclusion A First Home Savings Account (FHSA) is a powerful tool for first-time homebuyers, offering tax benefits and a structured approach to saving for homeownership. By taking advantage of an FHSA, you can accelerate your journey towards owning your first home and make your dream a reality sooner than you think.

Understanding the Recent Housing Affordability Measures in Canada

By Lindsey Cupelli • 18 Apr, 2024
In recent years, housing affordability has become a significant concern for many Canadians, particularly for first-time homebuyers facing soaring prices and strict mortgage qualification criteria. To address these challenges, the Canadian government has introduced several housing affordability measures. In this blog post, we'll examine these measures and their potential implications for homebuyers. Increased Home Buyer's Plan (HBP) Withdrawal Limit Effective April 16, the Home Buyer's Plan (HBP) withdrawal limit will be raised from $35,000 to $60,000. The HBP allows first-time homebuyers to withdraw funds from their Registered Retirement Savings Plan (RRSP) to use towards a down payment on a home. By increasing the withdrawal limit, the government aims to provide young Canadians with more flexibility in saving for their down payments, recognizing the growing challenges of entering the housing market. Extended Repayment Period for HBP Withdrawals In addition to increasing the withdrawal limit, the government has extended the repayment period for HBP withdrawals. Individuals who made withdrawals between January 1, 2022, and December 31, 2025, will now have five years instead of two to begin repayment. This extension provides borrowers with more time to manage their finances and repay the withdrawn amounts, alleviating some of the immediate financial pressures associated with using RRSP funds for a down payment. 30-Year Mortgage Amortizations for Newly Built Homes Starting August 1, 2024, first-time homebuyers purchasing newly built homes will be eligible for 30-year mortgage amortizations. This change extends the maximum mortgage repayment period from 25 years to 30 years, resulting in lower monthly mortgage payments. By offering longer amortization periods, the government aims to increase affordability and assist homebuyers in managing their housing expenses more effectively. Changes to the Canadian Mortgage Charter The government has also introduced changes to the Canadian Mortgage Charter to provide relief to homeowners facing financial challenges. These changes include early mortgage renewal notifications and permanent amortization relief for eligible homeowners. By implementing these measures, the government seeks to support homeowners in maintaining affordable mortgage payments and mitigating the risk of default during times of financial hardship. The recent housing affordability measures announced by the Canadian government are aimed at addressing the challenges faced by homebuyers in today's market. These measures include increasing withdrawal limits, extending repayment periods, and offering longer mortgage amortizations. The goal is to make homeownership more accessible and affordable for Canadians across the country. As these measures come into effect, it's crucial for homebuyers to stay informed about the changes and their implications. Consulting with a mortgage professional can help individuals explore their options and make informed decisions about their housing finances. If you're interested in learning more about these changes and how they may affect you, please don't hesitate to connect with us. We're here to walk you through the process and help you consider all your options and find the one that makes the most sense for you.
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