Make your home mortgage affordable again, thanks to our lower-rate refinancing!
Today’s Mortgage Rates
Find out which mortgage is right for you.*
*Mortgage Rates Subject to Change; September 2025 Rates
15-Year Fixed
4.24%
INTEREST RATE
30-Year Fixed
4.09%
INTEREST RATE
5- Year Variable
4.40%
INTEREST RATE
Prime Rate
4.95%
INTEREST RATE
Get in Touch With Us
Get to Know MortgageWithChar!
Whether you're buying your first home, investing in paradise, or just curious about the mortgage process—MortgageWithChar is here to make financing feel simple, clear, and totally doable.
Personalized advice, real talk, and a whole lot of mortgage know-how.
👉 Want to know more?
Check out our socials @mortgagewithchar and start your journey with confidence!
How to Get Approved
Getting approved is simple—just provide your basic details,
meet the qualifying criteria and I’ll handle the rest.
Down Payment
Your down payment—or the equity you’ve built—helps determine how much you can borrow.
Debt-to-Income Ratio
A lower debt‑to‑income ratio shows lenders you can comfortably manage your mortgage payments.
Employment History
A stable job and consistent income show lenders you’re a reliable borrower.
Credit Score
A strong credit score opens the door to better rates and smoother approvals.
Home Ownership Made Easy
Ready to talk mortgages on your terms?
Whether you’re crunching numbers late at night or just day‑dreaming about your next home, I’m here for you.
Call or text me at 519‑575‑1804, or send an email to [email protected].
You’ll also find daily tips, market updates and a few lighthearted moments on my Facebook and Instagram feeds—follow @mortgagewithchar to join the conversation.
My goal is to keep things simple, approachable and tailored to you. Let’s chat whenever you’re ready!
What customers say about Mortgage With Char
“Charlotte took the stress out of refinancing. She answered all our questions and found us a better rate without the hassle.”
— Jenna Schmidt
Home Owner, Waterloo, ON.
“Charlotte helped me lower my rate and pay off my mortgage sooner! She explained everything in a way I could understand.”
— Sarah Brown
Home Owner, Kitchener, ON.
Office: DLC National Ltd. #12360
Call 519-575-1804
Email:[email protected]
Site: www.mortgagewithchar.com