Charlotte  Ferguson

Charlotte Ferguson

Sales Representative, Mortgage Agent

Red and White Realty Inc. Brokerage *

Email Me
Charlotte  Ferguson

Charlotte Ferguson

Sales Representative, Mortgage Agent

Red and White Realty Inc. Brokerage *

Email Me


We Do Mortgages, Too!


We can help our clients greater by having years of industry knowledge on both the real estate and mortgage sides Use our app to discover how much house you can afford!

If you’re ready to take the next step, applying for a mortgage couldn’t be easier. Just complete our secure application and we will be in touch shortly.





Why Use A Mortgage Professional?


There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.

While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada’s largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products!


Ready To Get Started?

Get in touch even if you have no idea where to start. We start together and I support you the whole way through and beyond into the future. You have a life contact & friend in me!






Mortage Document Checklist


Featured  Mortgage Videos

Want To Crunch Some Numbers? Our Calculators Can Help

Gives you quick access to loan options and the difference they can make in your monthly mortgage payment.





Shave years off your Mortgage and save you thousands by using an accelerated bi-weekly mortgage payment.




Which mortgage provides you with the best value?




This calculator helps you determine just how much house you can afford.



This calculator helps you determine just how much house you can afford.





You need to know about Mortage insurance 101

Finding the perfect home is no easy feat. And, in many cases it’s the renovations after a purchase that makes all the difference.

A conventional mortgage in Canada normally requires a down payment of at least 20% of the purchase price. When home buyers have less than 20% for a down payment, Mortgage Insurance allows them to secure a mortgage for their home purchase.

Saving for a down payment is always a great idea. Trouble is, depending on the area, prices may be rising faster than the savings are building up. And, as values rise, the dream home gets further out of reach.

This is where mortgage default insurance – more commonly referred to as “mortgage insurance” – can help…by enabling qualified borrowers to purchase a home with as little as a five per cent down payment.

If the right home for you has a purchase price of $500K, then lenders will normally require you to provide a down payment of at least $100K. With Mortgage Insurance, you can secure a mortgage with as little as $25K down.

Mortgage insurance is a win-win situation for homebuyers and lenders. Lenders rely on it to protect themselves from financial losses in case a loan is not repaid. Because lenders have this protection, they are able to offer loans with smaller down payments, provided credit and legal requirements are met. For homebuyers, this means access to homeownership sooner at a competitive rate, and with a lower down payment.



Being first time home buyers, we were a little intimidated at first. Luckily we found Charlotte who made the process much easier than we had expected. Our questions were answered quickly and efficiently. We both are very happy with our first home and couldn’t have been more pleased with the level of service.

Jamie & Douglas


Trustworthy.  The first word that comes to mind when I think of working with Charlotte.  Having a trustworthy Mortgage Agent lifts a huge weight off of your shoulders.  It gives you comfort that you are in good hands with someone who cares.  She took a process that I found overwhelming and walked me through it step-by-step, at my pace.  Charlotte was more than my Mortgage Agent.  She was patient. She was thorough.  She was reliable.  She was a lifesaver.  Thank-YOU for being exactly what I needed.

Amy F,

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A little about meLOCAL EXPERTISE

Charlotte Ferguson is truly invested in the Kitchener-Waterloo area. Her experience in the mortgage industry and familiarity with the area will be assets to both buyers and sellers.



With a Realtor® like Charlotte by your side you don’t have to “Do it alone.” A good Realtor® has the training, the know-how, and the experience to help you through each step of the process and to make the process of finding, buying and moving into your home as smooth, quick and enjoyable as possible.


A Realtor® has valuable sources of information about market trends, neighbourhoods and, especially, information about homes for sale throughout the areas that appeal to you. Remember, not every home seller runs an ad in the local paper or puts up a sign in the yard; you could be driving by some outstanding properties for sale that may be just what you’re looking for in a home, but you don’t know it. An agent, on the other hand, offers you access to complete, regularly updated information about every home listed by agents through the Multiple Listing Service® (MLS®).

Designation: ABR, SRES, CSP, CNE,

Experience: 10

Awards: ABR, CNES, CSA, Mortgage Agent, Reverse Mortgage Specialist

Area Covered: Kitchener, Waterloo, Cambridge, Elmira, Wilmot, Wellesley, Stratford, Guelph, Elora, Fergus, St Jacobs, Heidelberg

Languages Spoken: English, French