Don’t Let Your Mortgage Turn Into a Halloween Horror Story

It’s Halloween season — but not every horror story happens in a haunted house.

For many Canadians, the real fright hides in their mortgage.

Each year, homeowners are tricked by hidden penalties, teaser rates that vanish, or lenders who ghost them after closing.

But one monster is worse than them all — the Worst of the Worst — the Zombie Renewal — the mortgage that won’t die, quietly draining thousands from Canadians every year.

Let’s unmask the mortgage monsters haunting today’s market — and show you how to stay safe.

💀 The Early-Payout Poltergeist

Breaking a mortgage early can trigger penalties of $10 000 – $20 000 or more.

✅ Fix: We calculate your penalty risk before you sign so you’ll never face a mid-night fright from your lender.

🧛 The Variable-Rate Vampire

Variable rates look charming — until they bite.

In October 2025, Ontario’s average variable rate is ≈ 6.35 %, and five-year fixed ≈ 5.64 %.

✅ Fix: We stress-test every deal so rising rates can’t bleed your budget dry.

👻 The Ghost Lender

Some lenders vanish after funding, leaving clients in the dark.

✅ Fix: We work only with transparent, reliable partners — no disappearing acts.

🧟 The Zombie Renewal — the Worst of the Worst

Nearly 60 % of Canadians auto-renew without comparing rates (CMT 2025).

That’s the Zombie Renewal — a deal that staggers forward year after year, feeding on your equity.

✅ Fix: We start renewal reviews 120 days early, comparing 60 + lenders so you keep your cash alive.

💡 Ontario Market Snapshot (October 2025)

Knowledge replaces fear — and planning kills panic.

🎯 Your Mortgage Rescue Plan

We’ll expose hidden fees, compare lenders, and build your personal rescue strategy.

📞 Book your Mortgage Rescue Session today — before your mortgage turns into a horror story.

Stuart Lessels

Your “Go-To” Mortgage Broker for Georgian Bay and Beyond

Mortgage Alliance Enrich Mortgage Group Ontario FSRA #12487

📧stuart@housenow.ca

📞 (705) 445-1234