"I Would Recommend Sabeena Without Hesitation"

Sabeena Bubber • December 18, 2014

FROM A RECENT CUSTOMER SURVEY

As a way to make sure I am always paying attention to the service I provide my clients, I use a survey after a mortgage funds. It’s a simple question and answer format and provides me with tremendous insight.


I wanted to share one of my most recent testimonials (with his permission of course) with you as it highlights that the mortgage process isn’t always straight forward. Often times lenders products aren’t always what we want them to be (or need them to be)… and in this case, it meant changing lenders completely to get the right product.


I believe this is one of the biggest benefits of working with me as your mortgage professional, I work for you and not the lenders. It sounds so cliche, but it’s the truth. My goal is to make sure you find the right product, regardless of how many lenders that means working with.


From Glen April of 2014,

Would you recommend your Broker to a friend or Relative?

YES. Without Hesitation.


What aspect of our service did you value the most?

We appreciated Sabeena’s professional and creative approach to our financing needs despite our somewhat unconventional banking history of 3 countries in 5 years and was able to provide timely solutions as well as several options for both the builder’s loan and finally our mortgage.


Do you have any suggestions on how we could improve our service to you and to other clients in the future?


The only surprise along the way was with the initial builder’s loan provider. Their initial offering letter made it seem as if we would receive the loan proceeds in 2 sums; initial advance to proceed and at 80% completion we would receive the balance to get the house to completion. The actual loan contract had different language and while there were some tense moments Sabeena was able to quickly provide a second mortgage option. I still feel that was a slight of hand trick by the first lender.


Will you recommend us to your friends/family/colleagues? and if so, what would you tell them about us?


As stated above I would recommend Sabeena -and have done so already- without hesitation and when I have been asked about Sabeena I have described her professionalism and that she genuinely cares about her clients and takes an interest in their needs that is far too often lacking from loan departments in major banks. If you don’t fit their mould they don’t seem to care too much about your needs. Sabeena understands and appreciates that flexibility and creatively addressing financing needs can be a very good business on both sides of the relationship.


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How to Maximize Your Mortgage Renewal Opportunity

By Sabeena Bubber • October 14, 2026
Your Lender Is Not Obligated to Renew Your Mortgage Many homeowners assume that if they’ve made every mortgage payment on time, their lender is automatically required to renew their mortgage at the end of the term. That’s a common belief—but it isn’t true. When you sign a mortgage, you’re agreeing to a contract for a specific term . Once that term ends, the lender has the legal right to either renew the mortgage or call the loan . There is no obligation to offer a renewal. In practice, most lenders do renew mortgages—but certain situations can prevent that from happening. Reasons a Lender May Decline to Renew A lender may choose not to renew if: Mortgage payments were missed during the term A bankruptcy or consumer proposal has occurred There is a separation or divorce Employment or income has changed A borrower on the mortgage has passed away The lender no longer prefers the property’s location or market The lender is no longer licensed to lend in Canada Even one of these factors can change how a lender views the risk. Why This Matters Because renewal is not guaranteed, waiting until the last minute can put you in a difficult position. Understanding this reality early gives you time and control. How to Protect Yourself at Renewal The best approach is to be proactive. Ideally, you should begin reviewing your options 120 days before your mortgage term ends . This gives you enough time to explore alternatives and make informed decisions—rather than reacting under pressure. Even if your current lender offers a renewal, that’s just one option , not automatically the best one. The lender that was right for you years ago may no longer offer the most competitive rate, terms, or flexibility today. The goal at renewal isn’t convenience—it’s reducing your total cost of borrowing and choosing terms that align with your current situation. Why Work With an Independent Mortgage Professional Working with an independent mortgage professional ensures someone is advocating for you , not the lender. Instead of being limited to one set of products, you can compare options across multiple lenders and choose the solution that best protects your interests. Final Thoughts Whether your lender is offering a renewal or not, the smartest move is to review all your options before signing anything. If your mortgage is coming up for renewal—or if you want to plan ahead—feel free to connect anytime. I’d be happy to help you protect your options and make a confident decision.
Sabeena Bubber is a 2026 Canadian Mortgage Hall of Fame Inductee

Sabeena Bubber Named to the 2026 Canadian Mortgage Hall of Fame

By Sabeena Bubber • October 13, 2026
Sabeena Bubber is a 2026 Canadian Mortgage Hall of Fame inductee, recognized for mortgage industry leadership, client service, and community impact.

Monthly vs. Biweekly Mortgage Payments: Which Is Better?

By Sabeena Bubber • October 7, 2026
How Mortgage Payment Frequency Affects What You Pay Over Time You’ve probably heard the saying that there are two certainties in life: death and taxes. When it comes to your mortgage, there’s really just one certainty—you’ll repay what you borrow, plus interest. What is flexible, though, is how often you make your mortgage payments. And that choice can have a meaningful impact on how quickly you pay down your mortgage and how much interest you pay over time. The Six Mortgage Payment Frequencies Most lenders offer the following payment options: Monthly – 12 payments per year Semi-monthly – 24 payments per year Bi-weekly – 26 payments per year Weekly – 52 payments per year Accelerated bi-weekly – 26 payments per year Accelerated weekly – 52 payments per year Standard Payment Frequencies The first four options are designed to align with how you get paid. For example: Paid monthly? Monthly mortgage payments may make sense. Paid every two weeks? Bi-weekly payments can align nicely with your cash flow. With these standard options, regardless of how often you pay, the total amount paid over the year is the same —it’s simply divided into more frequent payments. What Makes “Accelerated” Payments Different Accelerated payments work differently—and this is where the real savings happen. With accelerated bi-weekly or accelerated weekly payments, you’re paying a slightly higher amount each time. That extra money goes directly toward reducing your mortgage principal, which lowers the interest you’ll pay over the life of the mortgage. A Simple Example Let’s assume a $1,000 monthly mortgage payment: Monthly: $1,000 once per month = $12,000 per year Semi-monthly: $500 twice per month = $12,000 per year Bi-weekly: $1,000 × 12 ÷ 26 = $461.54 every two weeks = $12,000 per year Accelerated bi-weekly: $1,000 ÷ 2 = $500 every two weeks = $13,000 per year With accelerated bi-weekly payments, you effectively make two extra payments per year without having to think about it. Those extra payments reduce your principal faster, which lowers interest costs over time. Accelerated weekly payments work the same way—you just make smaller payments more frequently. Why This Matters Long Term While it’s difficult to calculate exact savings due to variables like interest rates, terms, and amortization changes, maintaining an accelerated payment schedule over the life of your mortgage can reduce your amortization by up to three years and save a significant amount of interest. The Bottom Line Accelerated payments are a simple, automatic way to lower your overall cost of borrowing—without needing to make lump-sum payments or drastically change your budget. If you’d like to see how different payment frequencies would impact your mortgage specifically, feel free to reach out anytime. I’d be happy to walk through the numbers with you and help you choose the option that fits your goals.