Mortgage Financing. Simplified.

Let us guide you through the complex world of mortgage financing.
LET'S CONNECT

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

Get started right away

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.

Get a clear plan

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.

Let me handle the details

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.

LET'S CONNECT

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!
LET'S CONNECT

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.

Run some calculations.

I'm just getting started.

Find out how much you could afford in 30 seconds.

I have a specific home in mind.

Find out if you can afford it in 30 seconds.

I want to refinance a home I own.

Find out how much you can take out in 30 seconds.

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

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

Articles to keep you learning.

By Lindsey Cupelli June 25, 2025
Chances are if you’re applying for a mortgage, you feel confident about the state of your current employment or your ability to find a similar position if you need to. However, your actual employment status probably means more to the lender than you might think. You see, to a lender, your employment status is a strong indicator of your employer’s commitment to your continued employment. So, regardless of how you feel about your position, it’s what can be proven on paper that matters most. Let’s walk through some of the common ways lenders can look at employment status. Permanent Employment The gold star of employment. If your employer has made you a permanent employee, it means that your position is as secure as any position can be. When a lender sees permanent status (passed probation), it gives them the confidence that you’re valuable to the company and that they can rely on your income. Probationary Period Despite the quality of your job, if you’ve only been with the company for a short while, you’ll be required to prove that you’ve passed any probationary period. Although most probationary periods are typically 3-6 months, they can be longer. You might now even be aware that you’re under probation. The lender will want to make sure that you’re not under a probationary period because your employment can be terminated without any cause while under probation. Once you’ve made it through your initial evaluation, the lender will be more confident in your employment status. Now, it’s not the length of time with the employer that the lender is scrutinizing; instead, it’s the status of your probation. So if you’ve only been with a company for one month, but you’ve been working with them as a contractor for a few years, and they’re willing to waive the probationary period based on a previous relationship, that should give the lender all the confidence they need. We’ll have to get that documented. Parental Leave Suppose you’re currently on, planning to be on, or just about to be done a parental leave, regardless of the income you’re now collecting, as long as you have an employment letter that outlines your guaranteed return to work position (and date). In that case, you can use your return to work income to qualify on your mortgage application. It’s not the parental leave that the lender has issues with; it’s the ability you have to return to the position you left. Term Contracts Term contracts are hands down the most ambiguous and misunderstood employment status as it’s usually well-qualified and educated individuals who are working excellent jobs with no documented proof of future employment. A term contract indicates that you have a start date and an end date, and you are paid a specific amount for that specified amount of time. Unfortunately, the lack of stability here is not a lot for a lender to go on when evaluating your long-term ability to repay your mortgage. So to qualify income on a term contract, you want to establish the income you’ve received for at least two years. However, sometimes lenders like to see that your contract has been renewed at least once before considering it as income towards your mortgage application. In summary If you’ve recently changed jobs or are thinking about making a career change, and qualifying for a mortgage is on the horizon, or if you have any questions at all, please connect anytime. We can work through the details together and make sure you have a plan in place. It would be a pleasure to work with you!
By Lindsey Cupelli June 20, 2025
If you’re a first-time homebuyer eyeing a new build or major renovation, there's encouraging news that could make homeownership significantly more affordable. The federal government has proposed a new GST rebate aimed at easing the financial burden for Canadians entering the housing market. While still awaiting parliamentary approval, the proposed legislation offers the potential for thousands in savings —and could be a game-changer for buyers trying to break into today’s high-cost housing landscape. What’s Being Proposed? Under the new legislation, eligible first-time homebuyers would receive: A full GST rebate on homes priced up to $1 million A partial GST rebate on homes between $1 million and $1.5 million This could mean up to $50,000 in tax savings on a qualifying home—a major boost for anyone working hard to save for a down payment or meet mortgage qualification requirements. Why This Matters With interest rates still elevated and home prices holding steady in many regions, affordability remains a challenge. This rebate could offer meaningful relief in several ways: Lower Upfront Costs: Removing GST from the purchase price reduces the total amount of money buyers need to save before closing. Smaller Monthly Payments: A lower purchase price leads to a smaller mortgage, which translates to more manageable monthly payments. Improved Mortgage Qualification: With a reduced purchase amount, buyers may find it easier to meet lender criteria. According to recent estimates, a homebuyer purchasing a $1 million new home could see monthly mortgage payments drop by around $240 —money that could go toward savings, home improvements, or simply everyday expenses. Helping Families Help Each Other This proposal also offers a win for parents who are supporting their children in buying a first home. Whether through gifted down payments or co-signing, a lower purchase price and more affordable monthly costs mean that family support can go further—and set first-time buyers up for long-term success. Is This the Right Time to Buy? If you’re thinking about buying a new or substantially renovated home, this proposed rebate could dramatically improve your financial position. Now is the perfect time to explore your options and make sure your mortgage strategy is aligned with potential policy changes. 📞 Let’s connect for a free mortgage review or pre-approval. Whether you’re buying your first home or helping someone else take that first step, I’m here to help you make informed, confident decisions.
By Lindsey Cupelli June 18, 2025
Worried About Your Mortgage Renewal? You’re Not Alone  If your mortgage renewal is coming up soon, you're likely feeling a bit of financial pressure—and you’re not the only one. A recent survey shows that over half of Canadian homeowners believe their upcoming mortgage renewal could impact their current living situation. With interest rates still higher than what many borrowers locked in before 2022, 45% of those renewing in the next 12 months expect their monthly payments to increase. Even though the Bank of Canada has held its key overnight rate steady at 2.75%, borrowing costs remain elevated compared to the low-rate years we saw earlier in the decade. And that’s changing how Canadians think about their finances. Changing Plans and Tightening Budgets Among those worried about their renewal, 73% say they’re already cutting back on discretionary spending—things like eating out, entertainment, or travel—to brace for higher mortgage payments. For many, it goes deeper than just trimming the budget. Nearly one in four surveyed homeowners said they’re rethinking their entire financial strategy. Some are pressing pause on home renovations (43%), while others are considering downsizing or relocating to a more affordable area (29%). A smaller group (15%) is even open to major lifestyle changes, like moving in with roommates or relocating to a new neighbourhood altogether. Fixed-Rate Mortgages on the Rise In this climate, most homeowners looking to renew are leaning toward fixed-rate mortgages, with 75% preferring the stability of predictable payments. For those facing uncertainty, locking in a rate for the next few years can offer peace of mind—even if it means paying a little more in the short term. First-Time Buyers Are Feeling It Too It’s not just current homeowners feeling the pinch. A separate survey found that more than half of Canadians planning to buy a home are cutting back on non-essential spending to save for their down payment or other buying costs. About 31% are even considering tapping into savings or investment accounts like TFSAs, RRSPs, or first-time home savings accounts to make their purchase possible. What This Means for You Whether you’re preparing to renew or purchase for the first time, this environment calls for smart, strategic planning. You’re not alone in feeling uncertain—but with the right guidance, you can navigate these changes confidently. Have questions about your upcoming renewal or wondering what type of mortgage is right for today’s market? Let’s connect. We're here to help you make informed, confident decisions about your home financing.
Show More