JENN SLATER

Mortgage Associate

APPLY NOW
Looking for a Great Mortgage?

I help people across Saskatchewan find the best mortgage product for their unique needs! I would love to work with you!

Understanding mortgage financing can be difficult, it doesn't have to be. Here's the plan!

1

Connect with me 

The process starts when you get in touch. Let's take a look at your financial situation and put together a plan to find your perfect mortgage!

2

Discuss your options.

When it comes to mortgage financing, you have options! Let's clarify those options, so you can make the decision that best suits your needs.

3

Arrange the paperwork

Paperwork is the nitty gritty of mortgage financing. I will make sure you know what is required, limiting delays.

4

Lifetime support

Once I've arranged your mortgage, and as long as you need a mortgage, you can trust that I will be there to give you a hand.

Jenn (Arcand) Slater

Mortgage Associate
License #316444

JENN SLATER

Hi, my name is Jenn Slater. I’m a mortgage associate with oneSt. Mortgage, a proud franchise of one of Canada’s most well respected Broker Networks, Mortgage Architects. I work from my office in Saskatoon, Saskatchewan. I started my career in finance in the early 2000s and have worked in many advisory positions at major banks and for the credit unions, most recently as a financial planner. I became a licensed mortgage associate because it was important for me to focus my full attention on helping my clients with their unique situations.


My extensive financial experience allows me to see the bigger picture and find solutions and options for my clients that they might not have otherwise found. Working with multiple lenders (instead of just one) has a significant advantage in that I provide incredible options to every client. Each client is different, I understand that and as such take the time to get to know each client individually and provide a mortgage solution tailored to them.


When I’m not assisting my clients finance their dreams, I enjoy ALL kinds of music from country to big hair rock to classical, music is a must while I work. I love pop culture, coffee in the morning, golf in the summer, and a nice glass of red wine anytime! Have a look at my website and contact me when you are ready to talk!

Nice things people have said about working with me.

Get started by completing my online mortgage application.

APPLY NOW

I'll let you know exactly where you stand so you can proceed with confidence.

Download my Mortgage Toolbox App

What you can do with my app

 

Calculate your total cost of owning a home

Estimate the minimum down payment you need

Calculate Land transfer taxes and the available rebates

Calculate the maximum loan you can borrow

Stress test your mortgage

Estimate your Closing costs

Compare your options side by side

Search for the best mortgage rates

Email Summary reports (PDF)

Use my app in English, French, Spanish, Hindi, and Chinese

Everything you need, all in one place

As a trusted mortgage provider, let me help you with these services.

Click through any of the services to learn more

Mortgage articles to keep you informed.

Understanding Credit And How It Relates To Your Mortgage

By Jenn Slater • March 20, 2025
Credit. The ability of a customer to obtain goods or services before payment, based on the trust that you will make payments in the future. When you borrow money to buy a property, you’ll be required to prove that you have a good history of managing your credit. That is, making good on all your payments. But what exactly is a “good history of managing credit”? What are lenders looking at when they assess your credit report? If you’re new to managing your credit, an easy way to remember the minimum credit requirements for mortgage financing is the 2/2/2 rule. Two active trade lines established over a minimum period of two years, with a minimum limit of two thousand dollars, is what lenders are looking for. A trade line could be a credit card, an instalment loan, a car loan, or a line of credit; basically, anytime a lender extends credit to you. Your repayment history is kept on your credit report and generates a credit score. For a tradeline to be considered active, you must have used it for at least one month and then once every three months. To build a good credit history, both of your tradelines need to be used for at least two years. This history gives the lender confidence that you’ve established good credit habits over a decent length of time. Two thousand dollars is the bare minimum limit required on your trade lines. So if you have a credit card with a $1000 limit and a line of credit with a $2500 limit, you would be okay as your limit would be $3500. If you’re managing your credit well, chances are you will be offered a limit increase. It’s a good idea to take it. Mortgage Lenders want to know that you can handle borrowing money. Now, don’t confuse the limit with the balance. You don’t have to carry a balance on your trade lines for them to be considered active. To build credit, it’s best to use your tradelines but pay them off in full every month in the case of credit cards and make all your loan payments on time. A great way to use your credit is to pay your bills via direct withdrawal from your credit card, then set up a regular transfer from your bank account to pay off the credit card in full every month. Automation becomes your best friend. Just make sure you keep on top of your banking to ensure everything works as it should. Now, you might be thinking, what about my credit score, isn’t that important when talking about building a credit profile to secure a mortgage? Well, your credit score is important, but if you have two tradelines, reporting for two years, with a minimum limit of two thousand dollars, without missing any payments, your credit score will take care of itself, and you should have no worries. With that said, it never hurts to take a look at your credit every once and a while to ensure no errors are reported on your credit bureau. So, if you’re thinking about buying a property in the next couple of years and want to make sure that you have good enough credit to qualify, let’s talk. Connect anytime; it would be a pleasure to work with you and help you to understand better how your credit impacts mortgage qualification.

Renovate The Home You Are Buying!

By Jenn Slater • March 6, 2025
The best place to start the mortgage process is with a pre-approval. But once you’ve been pre-approved for a mortgage and you’ve been shopping with location in mind, what happens when you can’t find a suitable property? There's no doubt about it; finding the perfect property within your price range is a difficult task, especially for first-time homebuyers. So, before buyer’s fatigue sets in, maybe you should consider adding the cost of renovations into your purchase. Buying a property and including the cost of renovations into the mortgage is available through a program called purchase plus improvements. When purchasing a home, you can add the cost of home upgrades into your mortgage, making it a great option if you can’t find something move-in ready and aren’t afraid to do a little work! But while this sounds simple enough, in all honestly, it’s quite the process. There are some pretty strict rules to follow, but nothing that you can’t handle with the guidance of an independent mortgage professional. Here’s a quick overview of the process. Firstly, you must provide quotes to the lender ahead of time for the work you would like to complete. It’s good to note that the renovations will have to increase the value of the property accordingly. From there, the lender doesn’t give you the money to do the upgrades; you have to come up with that yourself. However, once the work has been completed and verified by an appraiser, the lender will reimburse you and include the money in your mortgage. This program isn’t for everyone. Buying a home is a stressful endeavour in and of itself. The added stress of having to undertake renovations right away might not be a good idea. But then again, if you have the financial wherewithal to handle the cost of renovations and like the idea of making it yours from the start, then this might be just the option you’ve been looking for! Please connect directly; it would be a pleasure to walk through the exact process and outline what securing a purchase plus improvements would look like for you!

Is It the Right Time to Refinance? 5 Signs You Should Consider It

By Jenn Slater • February 28, 2025
Refinancing your mortgage can be a smart financial move, but how do you know if it’s the right time? Whether you’re looking to lower your monthly payments, access home equity, or consolidate debt, refinancing can offer valuable benefits. Here are five key signs that it might be the right time to refinance your mortgage in Canada. 1. Interest Rates Have Dropped One of the most common reasons Canadians refinance is to secure a lower interest rate. Even a small decrease in your mortgage rate can lead to significant savings over time. If rates have dropped since you took out your mortgage, refinancing could help you reduce your monthly payments and save thousands in interest. ✅ Tip: Check with your mortgage broker to compare your current rate with today’s market rates. 2. Your Financial Situation Has Improved If your credit score has increased or your income has stabilized since you first got your mortgage, you might qualify for better loan terms. Lenders offer lower rates and better conditions to borrowers with strong financial profiles. ✅ Tip: If you’ve paid off debts, improved your credit score, or increased your savings, refinancing could work in your favour. 3. You Want to Consolidate High-Interest Debt Carrying high-interest debt from credit cards, personal loans, or lines of credit? Refinancing can help consolidate those debts into your mortgage at a much lower interest rate. This can make monthly payments more manageable and reduce the overall cost of borrowing. ✅ Tip: Make sure the savings from refinancing outweigh any prepayment penalties or fees. 4. You Need to Free Up Cash for a Major Expense Many Canadians refinance to access their home’s equity for renovations, education costs, or major life expenses. With home values rising in many areas, a refinance could help you tap into that value while still keeping manageable payments. ✅ Tip: Consider a home equity line of credit (HELOC) if you need flexible access to funds. 5. Your Mortgage Term is Ending, and You Want Better Terms If your mortgage is up for renewal, it’s the perfect time to explore refinancing options. Instead of simply accepting your lender’s renewal offer, compare rates and terms to see if you can get a better deal elsewhere. ✅ Tip: A mortgage broker can help you shop around and negotiate better terms on your behalf. Is Refinancing Right for You? Refinancing isn’t always the best move—there can be penalties for breaking your current mortgage, and not all savings are worth the switch. However, if you relate to any of the five signs above, it’s worth discussing your options with a mortgage professional. Thinking about refinancing? Let’s chat and find the best option for you!
Show More
Share by: