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Dedication, Integrity, Credibility and Professionalism

Purchasing a house is an exciting and important moment, whether it’s your first home or third, and I want to make you feel comfortable with the decisions you make during this milestone.

  • More than 12 years in the industry.
  • Independent, unbiased and professional advice.
  • Access to over 50 lenders.

Customer satisfaction is my top priority and I work hard 

to meet my client’s expectations

Tonia Jacobsen Marshall




While most Canadians spend a lot of time and effort…



First Time Buyers

Are you a first time buyer? The property you are about to…



Repeat Buyers

As a repeat buyer, you need to know what your options are…




Your mortgage is not set in stone for the entire period…



Line of Credit

By leveraging the equity in your home, you may be able…



Self Employed

Proving self-employment income , and income stability…



Debt Consolidation

With the significant increase in home prices over the..




17th of October 2017 02:08 PM Link
Here is a break down of the most important change to come.

New Mortgage Rules coming into play January 1st, 2018. The biggest one that will impact the most amount of people is:

- Even with 20% for a down payment, mortgage applications will be subject to a stress-test using the greater of the benchmark rate (currently 4.89%) or the contract rate + 2%

For buyers, this is going to be challenging for people who are looking to up-size their home for a growing family, or for those who have saved hard for a 20% down payment, but don't have the income on paper to qualify at the higher stress-test level.

For current owners, this is going to be challenging for those looking to refinance their current homes for their various reasons that I've seen over the last year:

- pay for a child's tuition
- renovate a basement
- help pay for elderly parents care in a home
- consolidate high-interest rate debt
- keep the matrimonial home for their kids to continue growing up in the same neighbourhood, by a newly divorced parent

These changes are going to impact you, and those around you, in one way or another. We have until January 1st before this comes into play, so if you know anyone who should be looking at their options, encourage them to reach out!
17th of October 2017 01:27 PM Link
OSFI has just released their final version of the rule changes to mortgages that will be implemented on January 1st 2018. Have a look on our blog to learn about the changes, how they impact you, and how you can respond!

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…I rarely do a deal that Tonia has not been instrumental in. If you want the best out there and someone who functions from a place of integrity, rest assured your choice in using Tonia is a sound one.

Kim Beck, Royal LePage Northstar

As a first time buyer, I was apprehensive about the ins and outs of purchasing a condo, but I couldn’t have been in better hands! Tonia was there every step of the way providing advice and guidance

Christine D., First time buyer


Here to help you get the mortgage product you need at the best rate

To find out more about how I can help you achieve your homeownership dreams and guide you through the mortgage maze, feel free to call me.

Mortgage Expert
Dominion Lending
201-15272 Croydon Dr
South Surrey, BC, V3Z 0Z5


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