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My Rates

6 Months 7.85%
1 Year 5.59%
2 Years 5.44%
3 Years 4.74%
4 Years 4.89%
5 Years 4.64%
7 Years 5.90%
10 Years 5.80%
6 Months Open 9.75%
1 Year Open 8.00%
*Rates subject to change and OAC
AGENT LICENSE ID
Marc 200092640 Mia 200095834
Marc & Mia Pucciarelli  Mortgage Associates

Marc & Mia Pucciarelli

Mortgage Associates


Phone:
Address:
324 Champlain Street, Dieppe, New Brunswick

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Hey there,

We're Marc and Mia Pucciarelli, a husband-and-wife duo with a passion for making mortgages work for you right here in Moncton, and across beautiful New Brunswick. With over 18 years of experience in the finance world, we're not just your mortgage professionals – we're your partners in finding the perfect mortgage solution that's as unique as you are.

Whether you're taking your first exciting steps into homeownership, looking to refinance and save, renew your mortgage, or have your eye on a commercial property, consider us more than just your advisors; we're like a trusted friend along for the ride. Our primary goal is to secure the best rates and terms for you, ensuring a seamless, stress-free journey from start to finish.

Don't hesitate to get in touch if you're in need of a mortgage. Give us a call today, and let's work together to turn your real estate dreams into reality. Your future home awaits, and we're here to make it happen. 

 

BLOG / NEWS Updates

CMHC Residential Mortgage Industry Report

HIGHLIGHTS Renewal risk remains as 1.2 million mortgages will come up for renewal in 2025. Most of these will experience higher interest rates than when their term began: 85% of those were contracted when the Bank of Canada rate was at or below 1%. The mortgage delinquency rate continued to rise from historic low levels in 2024, reaching 0.19% in the second quarter, with delinquency rates on other credit products, and allowances for expected credit losses both suggesting it will continue to increase through 2025. However, this remains below pre-pandemic levels and well below averages since 1990. Traditional lenders experienced two very different quarters to begin 2024. The first quarter showed higher risk lending compared to 2023, but in the second quarter newly extended mortgages had lower risk based on traditional risk metrics. Overall mortgage debt increased to $2.2 trillion in July 2024, which exacerbates the vulnerability of elevated household debt. This growth (3.5% year-over-year) is below recent averages, but lower interest rates could accelerate the increase. Alternative lenders saw an increase in lending during the first quarter of this year compared to the fourth quarter of 2023, indicating renewed momentum to sustain their market share from a year ago. However, their risk profile has increased compared to last year. Mortgages with terms of three or more years but less than five years are the most popular, with over half of new mortgages having terms in this range. The traditional five-year, fixed-rate mortgage and variable rate mortgage both represent a small share of the newly extended loans. https://assets.cmhc-schl.gc.ca/sites/cmhc/professional/housing-markets-data-and-research/housing-research/research-reports/housing-finance/residential-mortgage-industry-report/2024/residential-mortgage-industry-report-fall-2024-en.pdf

BMO: Consumers plan to spend less this holiday season

The BMO Real Financial Progress Index reveals that amid growing concerns about the cost of living (54%) and their overall financial situation (36%) 79% of Canadians are planning to cut back on spending this holiday season. The surveys insights provide an outlook on Canadians holiday spending plans, including: The holiday price tag: On average, Canadians plan on spending more than $1,991 this holiday season, including travel ($1,802), holiday gifts ($519), entertaining ($295), decorations ($141) and other holiday expenses ($275). Nearly a quarter (23%) plan on spending more than $2,000 during the holidays. Making a list and checking it twice: 79% plan on buying fewer gifts this year, and over a quarter (27%) will cut down the number of people on their gift list. More than a third (36%) plan on buying less expensive gifts. Sleighing spending: 41% are spending less on fewer gifts, and 44% had cut back on spending on other occasions, including birthdays and anniversaries, throughout the year in order to spend more on holiday gifts. Nearly half (49%) admit to spending more than they know they should. https://about.bmo.com/consumers-plan-to-spend-less-this-holiday-season-heres-how-bmo-can-help-make-holiday-budgeting-easier/

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