Meet Shelby,
Supporting you
through your journey.
We are your Trusted
Local Lender.
With over $2.8 billion in mortgages secured, Centum Home Lenders is your one-stop shop for mortgages in New Brunswick. Our goal is to help you find the perfect product for your needs. We treat every mortgage as if it were our own, striving to get you the best rate from the start. We’re always happy to provide a second opinion, but when you work with us, you can trust that our advice will always be tailored to your best interests.
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Finding out your mortgage was not approved can feel discouraging, especially if you had already started picturing yourself in the home. It can also be confusing if you had a pre-approval and thought everything was on track. The important thing to know is that a decline does not always mean your homeownership plans are over. It usually means something in the application, property, or financial picture needs to be reviewed and corrected before moving forward.
Time is running out... We’re drawing tomorrow for our Back to School, Back to Reality Giveaway. A $5,000 grand prize is up for grabs! To get your entry, all you need to do is enter the form below and tell us how you would spend the grand prize. Whether planning for a trip, paying some bills, or working on a home renovation, let us know how you would spend the cash!
Our back to school, back to reality giveaway is on until September 11th! We're giving away $5,000! To get your entry, all you need to do is enter the form below and tell us how you would spend the grand prize. Whether planning for a trip, paying some bills, or working on a home renovation, let us know how you would spend the cash! https://www.mortgagenb.ca/giveaway/
Student debt can make the idea of buying a home feel more complicated, but it does not automatically take homeownership off the table. Many Canadians carry student loans while also working toward a down payment, improving their credit, and planning for a mortgage. The key is understanding how lenders view those payments and how they fit into your overall financial picture. A student mortgage plan is really about balance. You need to show that your income, debt payments, credit score, and savings can support both your existing obligations and the new costs of owning a home.
The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The continuing conflict in the Middle East is keeping energy prices high. As well, new US tariffs and Canadian counter-measures have been announced following the breakdown of trade talks between Canada and the United States. Both situations remain fluid.
Deciding whether to build or buy your next house is about more than personal taste. It can affect your budget, mortgage options, timeline, stress level, and long-term comfort in the home. For many Canadians, buying an existing property is the more familiar route, but building can be appealing when you want more control over location, layout, materials, and finishes. The right choice depends on how much flexibility you need, how patient you can be, and how prepared you are for the financing side of the process.
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