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B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage CONTACT CERTIFIED MORTGAGE BROKERS IN TORONTO TODAY Contact Certified Mortgage Brokers: A 6093 Yonge St. Toronto, ON M2M 3W6 Call today us to get a free consultation: +1 866-921-8890 B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
MORTGAGE BROKER EDMONTON We understand that taking the first steps towards being a property owner can be intimidating. This is why we are here to help. As experienced professionals, we will take care of the hard part of getting a mortgage, negotiating with the lender, to get the bestinterest rates and
MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RESIDENTIAL MORTGAGES TORONTO Under new requirements, mortgages for all homes below $500,000 require a minimum 5% down while homes between $500,000 and $1 million require a 5% on the initial $500,000 and then 10% on the amount over that. That means for a $750,00 loan, you will pay 5% on the first $500,000 = $25,000. + 10% on the remaining $250,000 = $25,000. PRIVATE MORTGAGE LENDERS TORONTO, ONTARIO Private mortgages carry more risk for the lender. They, therefore, attract higher interest rates. Currently interest rates on private mortgages range from 10% to 18% depending on the financial circumstance of the borrower and the characteristics of the property. MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! MORTGAGE BROKER VAUGHAN Certified Mortgage Broker offers best available rates in Ontario.Call 1-866-921-8890 to speak with one of our experienced mortgage brokersor visit website.
MORTGAGE BROKER BRAMPTON At Certified Mortgage Broker we have a decade of experience. Our commitment to providing a unique, high-quality service is strong. Although we pride ourselves on being the best Mortgage Broker in Brampton. We offer a change from the usual service you would normally receive from the banks, online brokers, and loan firms. WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
MORTGAGE BROKER SCARBOROUGH A mortgage is a loan agreement between a borrower and a lender specifically for the purpose of buying a property. The property in question is used as collateral against the loan meaning the mortgage holder can repossess it if the borrower fails to make repayments. MORTGAGE BROKER OAKVILLE CMB is the leading mortgage broker in Toronto. We provide reliable and professional services to our clients. We offer the most competitive mortgage rates that are hard to find elsewhere. Our expert mortgage brokers will analyze your financial situation and recommend the bestmortgage options.
MORTGAGE BROKER PICKERING Certified Mortgage Broker in Pickering - Call 1-866-921-8890 or visit website for a free mortgage assessment of your residential or commercial mortgages. MORTGAGE BROKER HAMILTON Certified Mortgage Broker in Hamilton is dedicated to ensuring that property buyers, whether residential or commercial get the best deals. CMB offers residential and commercial mortgages, mortgage refinancing, second mortgages, private mortgages and construction mortgages amongstmany
MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage CONTACT CERTIFIED MORTGAGE BROKERS IN TORONTO TODAY Contact Certified Mortgage Brokers: A 6093 Yonge St. Toronto, ON M2M 3W6 Call today us to get a free consultation: +1 866-921-8890 MORTGAGE BROKER EDMONTON We understand that taking the first steps towards being a property owner can be intimidating. This is why we are here to help. As experienced professionals, we will take care of the hard part of getting a mortgage, negotiating with the lender, to get the bestinterest rates and
B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage CONTACT CERTIFIED MORTGAGE BROKERS IN TORONTO TODAY Contact Certified Mortgage Brokers: A 6093 Yonge St. Toronto, ON M2M 3W6 Call today us to get a free consultation: +1 866-921-8890 MORTGAGE BROKER EDMONTON We understand that taking the first steps towards being a property owner can be intimidating. This is why we are here to help. As experienced professionals, we will take care of the hard part of getting a mortgage, negotiating with the lender, to get the bestinterest rates and
B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RESIDENTIAL MORTGAGES TORONTO Under new requirements, mortgages for all homes below $500,000 require a minimum 5% down while homes between $500,000 and $1 million require a 5% on the initial $500,000 and then 10% on the amount over that. That means for a $750,00 loan, you will pay 5% on the first $500,000 = $25,000. + 10% on the remaining $250,000 = $25,000. PRIVATE MORTGAGE LENDERS TORONTO, ONTARIO Private mortgages carry more risk for the lender. They, therefore, attract higher interest rates. Currently interest rates on private mortgages range from 10% to 18% depending on the financial circumstance of the borrower and the characteristics of the property. MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! MORTGAGE BROKER VAUGHAN Certified Mortgage Broker offers best available rates in Ontario.Call 1-866-921-8890 to speak with one of our experienced mortgage brokersor visit website.
MORTGAGE BROKER BRAMPTON At Certified Mortgage Broker we have a decade of experience. Our commitment to providing a unique, high-quality service is strong. Although we pride ourselves on being the best Mortgage Broker in Brampton. We offer a change from the usual service you would normally receive from the banks, online brokers, and loan firms. WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
MORTGAGE BROKER SCARBOROUGH A mortgage is a loan agreement between a borrower and a lender specifically for the purpose of buying a property. The property in question is used as collateral against the loan meaning the mortgage holder can repossess it if the borrower fails to make repayments. MORTGAGE BROKER OAKVILLE CMB is the leading mortgage broker in Toronto. We provide reliable and professional services to our clients. We offer the most competitive mortgage rates that are hard to find elsewhere. Our expert mortgage brokers will analyze your financial situation and recommend the bestmortgage options.
MORTGAGE BROKER PICKERING Certified Mortgage Broker in Pickering - Call 1-866-921-8890 or visit website for a free mortgage assessment of your residential or commercial mortgages. MORTGAGE BROKER HAMILTON Certified Mortgage Broker in Hamilton is dedicated to ensuring that property buyers, whether residential or commercial get the best deals. CMB offers residential and commercial mortgages, mortgage refinancing, second mortgages, private mortgages and construction mortgages amongstmany
MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
HSBC BANK CANADA, CERTIFIED MORTGAGE BROKERS Mortgage insurance – With HSBC mortgage insurance, your loved one’s future will be protected. You can opt for an HSBC mortgage life insurance that repays your mortgage balance in case you pass on or HSBC mortgage disability insurance that pays out your mortgage in case you get any form of disability. Call Us Today +1 866 921 8890. BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RBC ROYAL BANK , CERTIFIED MORTGAGE BROKERS RBC Royal Bank is one of the largest banks in Canada and the world based on market capitalization with multiple large subsidiaries. As one of the largest banks in North America, they provide personal and commercial banking, insurance, investment and capital market products and services, and wealth management on a global scale. MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
HSBC BANK CANADA, CERTIFIED MORTGAGE BROKERS Mortgage insurance – With HSBC mortgage insurance, your loved one’s future will be protected. You can opt for an HSBC mortgage life insurance that repays your mortgage balance in case you pass on or HSBC mortgage disability insurance that pays out your mortgage in case you get any form of disability. Call Us Today +1 866 921 8890. BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RBC ROYAL BANK , CERTIFIED MORTGAGE BROKERS RBC Royal Bank is one of the largest banks in Canada and the world based on market capitalization with multiple large subsidiaries. As one of the largest banks in North America, they provide personal and commercial banking, insurance, investment and capital market products and services, and wealth management on a global scale. CONTACT CERTIFIED MORTGAGE BROKERS IN TORONTO TODAY Contact Certified Mortgage Brokers: A 6093 Yonge St. Toronto, ON M2M 3W6 Call today us to get a free consultation: +1 866-921-8890 RESIDENTIAL MORTGAGES TORONTO Under new requirements, mortgages for all homes below $500,000 require a minimum 5% down while homes between $500,000 and $1 million require a 5% on the initial $500,000 and then 10% on the amount over that. That means for a $750,00 loan, you will pay 5% on the first $500,000 = $25,000. + 10% on the remaining $250,000 = $25,000. PRIVATE MORTGAGE LENDERS TORONTO, ONTARIO Private mortgages carry more risk for the lender. They, therefore, attract higher interest rates. Currently interest rates on private mortgages range from 10% to 18% depending on the financial circumstance of the borrower and the characteristics of the property. MORTGAGE BROKER EDMONTON We understand that taking the first steps towards being a property owner can be intimidating. This is why we are here to help. As experienced professionals, we will take care of the hard part of getting a mortgage, negotiating with the lender, to get the bestinterest rates and
MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! FIRST TIME HOME BUYER IN TORONTO For first time homeowners, there are a number of federal government incentives to help you to take the big step. You can apply for the following incentives. Land Transfer Tax Rebates for First Time Home Buyers – You will qualify for a land tax refund of up to $2000. Home Buyers Plan – You may withdraw funds to the value of $25000 tax-free FINDING THE TOP MORTGAGE BROKER IN CANADA Finding the Top Mortgage Broker in Canada. Banks assign loan officers to deal with customers looking to get a mortgage loan. They may be the ideal choice if you want to invest more carefully and if you prefer a direct bank service. However, loan officers work for the banks, so they offer mortgage terms that are in the banks’ best interest and MORTGAGE BROKER PICKERING Certified Mortgage Broker in Pickering - Call 1-866-921-8890 or visit website for a free mortgage assessment of your residential or commercial mortgages. WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
WHEN “SUBJECT-FREE” MEANS “TOO GOOD TO BE TRUE” When “Subject-Free” Means “Too Good To Be True” Ever hear of the phrase “subject-free?” In the world of competitive real estate, what you have here is a concept that is commonly used. MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
HSBC BANK CANADA, CERTIFIED MORTGAGE BROKERS Mortgage insurance – With HSBC mortgage insurance, your loved one’s future will be protected. You can opt for an HSBC mortgage life insurance that repays your mortgage balance in case you pass on or HSBC mortgage disability insurance that pays out your mortgage in case you get any form of disability. Call Us Today +1 866 921 8890. BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RBC ROYAL BANK , CERTIFIED MORTGAGE BROKERS RBC Royal Bank is one of the largest banks in Canada and the world based on market capitalization with multiple large subsidiaries. As one of the largest banks in North America, they provide personal and commercial banking, insurance, investment and capital market products and services, and wealth management on a global scale. MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
HSBC BANK CANADA, CERTIFIED MORTGAGE BROKERS Mortgage insurance – With HSBC mortgage insurance, your loved one’s future will be protected. You can opt for an HSBC mortgage life insurance that repays your mortgage balance in case you pass on or HSBC mortgage disability insurance that pays out your mortgage in case you get any form of disability. Call Us Today +1 866 921 8890. BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RBC ROYAL BANK , CERTIFIED MORTGAGE BROKERS RBC Royal Bank is one of the largest banks in Canada and the world based on market capitalization with multiple large subsidiaries. As one of the largest banks in North America, they provide personal and commercial banking, insurance, investment and capital market products and services, and wealth management on a global scale. CONTACT CERTIFIED MORTGAGE BROKERS IN TORONTO TODAY Contact Certified Mortgage Brokers: A 6093 Yonge St. Toronto, ON M2M 3W6 Call today us to get a free consultation: +1 866-921-8890 RESIDENTIAL MORTGAGES TORONTO Under new requirements, mortgages for all homes below $500,000 require a minimum 5% down while homes between $500,000 and $1 million require a 5% on the initial $500,000 and then 10% on the amount over that. That means for a $750,00 loan, you will pay 5% on the first $500,000 = $25,000. + 10% on the remaining $250,000 = $25,000. PRIVATE MORTGAGE LENDERS TORONTO, ONTARIO Private mortgages carry more risk for the lender. They, therefore, attract higher interest rates. Currently interest rates on private mortgages range from 10% to 18% depending on the financial circumstance of the borrower and the characteristics of the property. MORTGAGE BROKER EDMONTON We understand that taking the first steps towards being a property owner can be intimidating. This is why we are here to help. As experienced professionals, we will take care of the hard part of getting a mortgage, negotiating with the lender, to get the bestinterest rates and
MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! FIRST TIME HOME BUYER IN TORONTO For first time homeowners, there are a number of federal government incentives to help you to take the big step. You can apply for the following incentives. Land Transfer Tax Rebates for First Time Home Buyers – You will qualify for a land tax refund of up to $2000. Home Buyers Plan – You may withdraw funds to the value of $25000 tax-free FINDING THE TOP MORTGAGE BROKER IN CANADA Finding the Top Mortgage Broker in Canada. Banks assign loan officers to deal with customers looking to get a mortgage loan. They may be the ideal choice if you want to invest more carefully and if you prefer a direct bank service. However, loan officers work for the banks, so they offer mortgage terms that are in the banks’ best interest and MORTGAGE BROKER PICKERING Certified Mortgage Broker in Pickering - Call 1-866-921-8890 or visit website for a free mortgage assessment of your residential or commercial mortgages. WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
WHEN “SUBJECT-FREE” MEANS “TOO GOOD TO BE TRUE” When “Subject-Free” Means “Too Good To Be True” Ever hear of the phrase “subject-free?” In the world of competitive real estate, what you have here is a concept that is commonly used. MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage CONTACT CERTIFIED MORTGAGE BROKERS IN TORONTO TODAY Contact Certified Mortgage Brokers: A 6093 Yonge St. Toronto, ON M2M 3W6 Call today us to get a free consultation: +1 866-921-8890 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RBC ROYAL BANK , CERTIFIED MORTGAGE BROKERS RBC Royal Bank is one of the largest banks in Canada and the world based on market capitalization with multiple large subsidiaries. As one of the largest banks in North America, they provide personal and commercial banking, insurance, investment and capital market products and services, and wealth management on a global scale. WHEN “SUBJECT-FREE” MEANS “TOO GOOD TO BE TRUE” When “Subject-Free” Means “Too Good To Be True” Ever hear of the phrase “subject-free?” In the world of competitive real estate, what you have here is a concept that is commonly used. MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage CONTACT CERTIFIED MORTGAGE BROKERS IN TORONTO TODAY Contact Certified Mortgage Brokers: A 6093 Yonge St. Toronto, ON M2M 3W6 Call today us to get a free consultation: +1 866-921-8890 JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RBC ROYAL BANK , CERTIFIED MORTGAGE BROKERS RBC Royal Bank is one of the largest banks in Canada and the world based on market capitalization with multiple large subsidiaries. As one of the largest banks in North America, they provide personal and commercial banking, insurance, investment and capital market products and services, and wealth management on a global scale. WHEN “SUBJECT-FREE” MEANS “TOO GOOD TO BE TRUE” When “Subject-Free” Means “Too Good To Be True” Ever hear of the phrase “subject-free?” In the world of competitive real estate, what you have here is a concept that is commonly used. RESIDENTIAL MORTGAGES TORONTO Under new requirements, mortgages for all homes below $500,000 require a minimum 5% down while homes between $500,000 and $1 million require a 5% on the initial $500,000 and then 10% on the amount over that. That means for a $750,00 loan, you will pay 5% on the first $500,000 = $25,000. + 10% on the remaining $250,000 = $25,000. FIRST TIME HOME BUYER IN TORONTO For first time homeowners, there are a number of federal government incentives to help you to take the big step. You can apply for the following incentives. Land Transfer Tax Rebates for First Time Home Buyers – You will qualify for a land tax refund of up to $2000. Home Buyers Plan – You may withdraw funds to the value of $25000 tax-free MORTGAGE BROKER BRAMPTON At Certified Mortgage Broker we have a decade of experience. Our commitment to providing a unique, high-quality service is strong. Although we pride ourselves on being the best Mortgage Broker in Brampton. We offer a change from the usual service you would normally receive from the banks, online brokers, and loan firms. MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! MORTGAGE BROKER HAMILTON Certified Mortgage Broker in Hamilton is dedicated to ensuring that property buyers, whether residential or commercial get the best deals. CMB offers residential and commercial mortgages, mortgage refinancing, second mortgages, private mortgages and construction mortgages amongstmany
WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
MORTGAGE BROKER SCARBOROUGH A mortgage is a loan agreement between a borrower and a lender specifically for the purpose of buying a property. The property in question is used as collateral against the loan meaning the mortgage holder can repossess it if the borrower fails to make repayments. MORTGAGE BROKER PICKERING Certified Mortgage Broker in Pickering - Call 1-866-921-8890 or visit website for a free mortgage assessment of your residential or commercial mortgages. MORTGAGE BROKER VAUGHAN Certified Mortgage Broker offers best available rates in Ontario.Call 1-866-921-8890 to speak with one of our experienced mortgage brokersor visit website.
PROFESSIONAL & CERTIFIED MORTGAGE BROKER IN MISSISSAUGA Certified Mortgage Brokers Mississauga will find you the best deal for your personal circumstances. This is the benefit of using a broker that has connections with a wide variety of lenders. The options are varied and a broker can find you the best fit. They can also help you to get a pre-approved mortgage. MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
HSBC BANK CANADA, CERTIFIED MORTGAGE BROKERS Mortgage insurance – With HSBC mortgage insurance, your loved one’s future will be protected. You can opt for an HSBC mortgage life insurance that repays your mortgage balance in case you pass on or HSBC mortgage disability insurance that pays out your mortgage in case you get any form of disability. Call Us Today +1 866 921 8890. BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RBC ROYAL BANK , CERTIFIED MORTGAGE BROKERS RBC Royal Bank is one of the largest banks in Canada and the world based on market capitalization with multiple large subsidiaries. As one of the largest banks in North America, they provide personal and commercial banking, insurance, investment and capital market products and services, and wealth management on a global scale. MORTGAGE BROKER TORONTO We Will Answer Your Phone Calls! We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018. CMB are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage JOINT ACCOUNT: THEIR ADVANTAGES AND DISADVANTAGES A joint account can promote a cohesive and unified relationship. As there’s trust between partners, the mindset of ‘my money’ becomes ‘our money.’. You spend less time on monthly expense tracking. A joint account also encourages the sharing of income. If a spouse’s income is lesser than the other, the spouse with the lowerincome
B LENDER MORTGAGE TORONTO The most common lender fee that a B mortgage offers is around 1% of the amount of the mortgage. This fee is collected to also protect the lender in case anything will happen to your payments. In some cases, the lender fee is lower but this can result to a slight increase in the interest rate. For example, if your total mortgage is CAD1,000,000 MERIDIAN, CERTIFIED MORTGAGE BROKERS Meridian mortgage products provide the following features: 20/20 Prepayment privileges: Prepay 20% of the loan amount, increase payments by 20% or both per year.; Skip-a-payment: You can ask for permission to skip a monthly payment.Conditions apply. Flexible schedule: You can choose from multiple payment schedules such as monthly, bi-monthly, weekly, and bi-weekly. PRIVATE MORTGAGES IN OTTAWA The borrower is expected to repay only the interest during the term of the loan. When you apply for a private mortgage you must have an exit strategy, as the objective is to use the term of the loan to find alternative financing to repay the capital. Call us: +1 866 921 8890. MORTGAGE BROKER NEWMARKET As an experienced mortgage broker in Newmarket our competitive rates are hard to beat. We hold a firm belief in our customers and the services we provide. You are our priority. To receive a consultation or an answer to your question do not hesitate to call us at +1 866-921-8890. We are here to assist you! SCOTIABANK, CERTIFIED MORTGAGE BROKERS Scotiabank list the rates of their mortgage products on the informational pages of each mortgage products. You can find these update rates on their mortgage website at any time and use their mortgage calculator tools to get an insight into what rates areavailable for you.
HSBC BANK CANADA, CERTIFIED MORTGAGE BROKERS Mortgage insurance – With HSBC mortgage insurance, your loved one’s future will be protected. You can opt for an HSBC mortgage life insurance that repays your mortgage balance in case you pass on or HSBC mortgage disability insurance that pays out your mortgage in case you get any form of disability. Call Us Today +1 866 921 8890. BENEFITS OF PRIVATE MORTGAGE INSURANCE (PMI), CERTIFIED Private Mortgage insurance is a kind of insurance that offers protection for the lender in the event that they default on the loan. Mortgage insurance is usually not needed if you provide a down-payment of not lower than 20 percent of the purchase price of the home. RBC ROYAL BANK , CERTIFIED MORTGAGE BROKERS RBC Royal Bank is one of the largest banks in Canada and the world based on market capitalization with multiple large subsidiaries. As one of the largest banks in North America, they provide personal and commercial banking, insurance, investment and capital market products and services, and wealth management on a global scale. CONTACT CERTIFIED MORTGAGE BROKERS IN TORONTO TODAY Contact Certified Mortgage Brokers: A 6093 Yonge St. Toronto, ON M2M 3W6 Call today us to get a free consultation: +1 866-921-8890 RESIDENTIAL MORTGAGES TORONTO Under new requirements, mortgages for all homes below $500,000 require a minimum 5% down while homes between $500,000 and $1 million require a 5% on the initial $500,000 and then 10% on the amount over that. That means for a $750,00 loan, you will pay 5% on the first $500,000 = $25,000. + 10% on the remaining $250,000 = $25,000. PRIVATE MORTGAGE LENDERS TORONTO, ONTARIO Private mortgages carry more risk for the lender. They, therefore, attract higher interest rates. Currently interest rates on private mortgages range from 10% to 18% depending on the financial circumstance of the borrower and the characteristics of the property. MORTGAGE BROKER SCARBOROUGH Here in Scarborough, we have made life easier by providing mortgage broker services that are unbeatable. If you would like your mortgage done quickly and professionally, give us a call today. We are here for you. Call us: +1 866 921 8890. FIRST TIME HOME BUYER IN TORONTO For first time homeowners, there are a number of federal government incentives to help you to take the big step. You can apply for the following incentives. Land Transfer Tax Rebates for First Time Home Buyers – You will qualify for a land tax refund of up to $2000. Home Buyers Plan – You may withdraw funds to the value of $25000 tax-free FINDING THE TOP MORTGAGE BROKER IN CANADA Finding the Top Mortgage Broker in Canada. Banks assign loan officers to deal with customers looking to get a mortgage loan. They may be the ideal choice if you want to invest more carefully and if you prefer a direct bank service. However, loan officers work for the banks, so they offer mortgage terms that are in the banks’ best interest and PROFESSIONAL & CERTIFIED MORTGAGE BROKER IN MISSISSAUGA Certified Mortgage Brokers Mississauga will find you the best deal for your personal circumstances. This is the benefit of using a broker that has connections with a wide variety of lenders. The options are varied and a broker can find you the best fit. They can also help you to get a pre-approved mortgage. MORTGAGE BROKER PICKERING Certified Mortgage Broker in Pickering - Call 1-866-921-8890 or visit website for a free mortgage assessment of your residential or commercial mortgages. WHAT HAPPENS IF A BANK WON’T RENEW MORTGAGE? The Canadian mortgage process is a bit complicated to say the least. In Canada, mortgage loans are only set to last for 10 years and you will need to renew it every end of term. This is somewhat a far cry from the usual length of mortgages elsewhere. Usually, most mortgage loans last for 15-30 years. This is the ideal length for you to payoff
TANGERINE, CERTIFIED MORTGAGE BROKERS Tangerine provides a very straightforward offering when it comes to their mortgage products. In fact, they only have one mortgage, called the Tangerine Mortgage, that can come in a variety of options withdifferent features.
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OUR TORONTO BASED MORTGAGE BROKERS OFFER THE FOLLOWING SERVICESFirst Time Buyers
FIRST TIME HOME BUYER MORTGAGE- OUR BROKERS CAN HELP! Tired of Renting? Time to strike out on your own? For many people buying their first home is one of the biggest investments they’ll ever make. The mortgage, no doubt, the single biggest debt. Little wonder many young people fear to take the big step. Certified Mortgage Brokers aim to make it easier for you to make these big decisions by helping you to understand the various options available to you. Your certified mortgage broker will * Explain the mortgage process to you from start to finish * Determine how much you can afford and the size of the mortgage for which you will qualify * Get you the best mortgage deal by shopping around * Get a pre-approved mortgage which will ensure that you have the edge on someone else that may want the same property but stillrequires approval
* Access the Home Buyer’s Plan which allows you to draw up to $25000 from your Registered Retirement Savings Plan * Discuss other incentives such as the Land Transfer Tax and First Time Home Buyer’s Tax Credit, so that you can take advantage of every incentive available to you as a first-time buyer. * Explain the mortgage terms and conditions so that you can settle on the best option for your budget and lifestyle * Estimate the closing costs so that you have a full understanding of the costs up front. We’ll help you to make informed decisions so that you can enjoy the process of buying your first home without the stress. Mortgage Refinancing MORTGAGE REFINANCING EXPERTS – WE CAN HELP There are many reasons why you may choose to refinance your mortgage. With equity in your home and the financial means to pay off a bigger mortgage, refinancing could secure you the funds to pay for renovations or to invest in property. Perhaps you want to pay for your child’s education or consolidate expensive unsecured debt. It may be that you want to take advantage of a lower interest rate. Don’t let penalty charges put you off. Sometimes it is cheaper to pay the penalties and refinance your mortgage. In evaluating your options, you should consider the following; * The penalties for early exit * The interest rate on your current mortgage * The interest savings under the new scenario * The new terms and conditions. Homeowners should evaluate their mortgages annually. Failure to do so could result in the payment of unnecessarily high interest which could run into thousands of dollars over the term. Sometimes it is better to pay off your current mortgage and all the costs, including penalties, and negotiate a new mortgage. With the right advice, you can reduce your repayments when you refinance or you could use the equity in your home for investments, and save the tax on the interest portion of the repayments. You can access up to 90% of the equity in your home when you refinance your mortgage. Whether you’re taking advantage of lower interest rates or consolidating debt, refinancing your mortgage can save you money. Even so, it is important to balance the costs and benefits before you sign on the dotted line.Mortgage Renewals
WE OFFER BEST MORTGAGE RENEWAL RATES When your mortgage comes up for renewal, whatever the term it is time to pay it off or sign up a new contract. Many people fail to take advantage of the renewal period to negotiate better terms and conditions. They simply sign and return the renewal form. This is amistake.
Renewal is the perfect time to consider whether the mortgage still fits in with your financial and lifestyle requirements. This is when you need to consider the term of your mortgage, the interest rate you should be paying and whether you want to continue with the same lenderor find a new one.
In signing off the renewal notice without doing your research or negotiating better rates you could be leaving thousands of dollars on the table. Up to 50% of mortgage holders fail to renegotiate atrenewal time.
Make the best of the opportunity by contacting your mortgage broker three months before the renewal period comes up. This will give him time to negotiate the best deal for you and to find terms and conditions that suit your current and future financial plans. By the time the renewal notice shows up in your mailbox, you’ll know exactly what route you plan to take. Interest rate savings can help you to pay off the principal on your mortgage at an earlier date. Don’t miss the opportunity to align your mortgage with your current lifestyle and with the realities of the housing market. When you sign for a new term you are signing for a new mortgage contract.Private Mortgage
BEST PRIVATE MORTGAGE RATES FROM VARIETY OF LENDERS – YOU HAVEOPTIONS
Recent changes in the Canadian mortgage industry have left many Canadians giving up their dreams of owning their own homes. If you’ve been turned down for a traditional mortgage, it does not have to be the end of the road when it comes to financing. There are many private lenders out there who are willing to give mortgages to people who would not qualify for a mortgage through traditional lenders. Private lenders are not bound by the same stringent rules as the banks. They are people and institutions that have surplus cash and want to lend it to others to earn interest. Private lenders are more interested in the value of the property that will serve as collateral than they are in the credit score of the borrower. They offer many people a second chance. These include * Self-employed people who are unable to adequately prove theirincome
* People with a high debt to income ratio * People who want to invest in unconventional property * People seeking second mortgages to consolidate debt or renovatetheir homes
* People with a poor credit score * People who need money quickly to take advantage of an opportunity. Private lenders are more approachable than the traditional banks. They offer personalised service and will tailor make the mortgage to suit your lifestyle. The application process is also quicker and easier than the process adopted by the traditional banks. Private mortgages are short-term mortgages, typically lasting one to three years. They are interest-only loans. When you borrow from a private lender you should have an exit plan, which your broker canhelp you to develop
FIRST TIME HOME BUYER MORTGAGE- OUR BROKERS CAN HELP! Tired of Renting? Time to strike out on your own? For many people buying their first home is one of the biggest investments they’ll ever make. The mortgage, no doubt, the single biggest debt. Little wonder many young people fear to take the big step. Certified Mortgage Brokers aim to make it easier for you to make these big decisions by helping you to understand the various options available to you. Your certified mortgage broker will * Explain the mortgage process to you from start to finish * Determine how much you can afford and the size of the mortgage for which you will qualify * Get you the best mortgage deal by shopping around * Get a pre-approved mortgage which will ensure that you have the edge on someone else that may want the same property but stillrequires approval
* Access the Home Buyer’s Plan which allows you to draw up to $25000 from your Registered Retirement Savings Plan * Discuss other incentives such as the Land Transfer Tax and First Time Home Buyer’s Tax Credit, so that you can take advantage of every incentive available to you as a first-time buyer. * Explain the mortgage terms and conditions so that you can settle on the best option for your budget and lifestyle * Estimate the closing costs so that you have a full understanding of the costs up front. We’ll help you to make informed decisions so that you can enjoy the process of buying your first home without the stress.Second Mortgage
GET A SECOND MORTGAGE TO PAY OF DEBT OR PURCHASE ANOTHER HOUSE. A second mortgage, also known as a home equity loan, is an excellent way to secure a large sum of money using the equity that you have built in your home. A second mortgage is a mortgage taken against a property that already has a mortgage registered against it. Before you apply for a second mortgage, it is essential that you understand the costs and the risks involved. Your mortgage broker is qualified to help you to balance the costs and the benefits of taking a second mortgage. A second mortgage is always more expensive than the first. This is because the second lender carries more risk than the first. In case of default and foreclosure, the proceeds cover the first mortgage before the second. So, the second mortgage holder runs the risk of not recovering his full loan. Despite the additional cost, a secured loan is considerably less expensive than an unsecured loan. It can be a godsend when emergency funding is required. It is also a great way to consolidate more expensive debt such as credit card debt and personal loans. A second mortgage also opens opportunities for investment or for upgrading your home. When you negotiate a second mortgage you can borrow up to 90% of the equity in your home. If you’re certain that you can afford a second mortgage and if it fits in with your financial planning. We can help you to find the best terms and conditions from our portfolio of lenders. Self Employed (Mortgages) WE OFFER SELF EMPLOYED MORTGAGE PROGRAM AT THE BEST RATES More than 15% of Canadian residents are now self-employed. If you’re one of them, qualifying for a mortgage may be more difficult and more expensive than it is for your formally employed neighbour. Many mortgage providers consider the self-employed a higher risk. They typically ask for at least two years proof of income before they will even consider a mortgage. If you’re self-employed you probably write off allowable expenses in a bid to reduce taxable income. This makes perfect sense, but it could negatively affect the size of the mortgage for which you will qualify. This is because lenders will use your debt to earnings ratio to calculate how much you can afford to pay. Fortunately, there are some lenders who will write back some of the allowable expenses. If you’re self-employed and planning to buy property, forward planning will stand you in good stead. Make sure that all your documentation is in order. Look after your credit score, and pay off as many of your debts as you can before applying for a mortgage. Consider your options when it comes to allowable expenses. Maximise your earnings and hold back on large optional purchases. Save for a down payment. The higher the down payment you make the lower the risk to the mortgage provider. Find yourself a good mortgage broker. A good broker will ensure that you have all the necessary paperwork in place. He can also partner you with a private mortgage provider that specialises in self-employed mortgages if the traditional banks are not interested. Construction Financing WE OFFER CONSTRUCTION FINANCING IN ONTARIO FOR BOTH CONTRACTORS ANDHOME OWNERS.
Many people dream of building their own home rather than moving into one that has been tailored to someone else’s lifestyle. If this is your dream then construction financing is the product for you. Before you consider construction financing you should be aware that you will need to put in a little more effort and finance. The down payment required on construction financing is often as much as 25% to 35%. There are a lot of important decisions to make when constructing your own home. Where to build and which construction company to employ to do the task are crucial to the future of your home, and to ensure that your money is well spent. Before you apply for a construction loan, also known as an own build mortgage, you’ll need to prepare. The lender will require construction plans and your contract with the construction company. They will also require an estimate of costs. If you’re building on the vacant lot, you’ll need the deed of sale and municipal approval for the planned construction. Lenders will also require planned timeframes, and may impose limits on those times. You should ensure that you have adequate funding to correct any mishaps or delays that can happen along the way. A rule of thumb is to have around 15% set aside for any contingencyrequirements.
Building your own home can be risky for both you and the lender, but it is exciting to choose all of your own fittings and finishes. With careful planning and financial advice, you can mitigate the risks.HELOC
HELOC - HOME EQUITY LINE OF CREDIT AT THE BEST RATES The Home Equity Line of Credit HELOC is a very popular form of secured credit in the Canadian mortgage market. It is flexible financing at its best. When applying for a HELOC you can access as much as 65% of the equity in your home. When you are granted a HELOC, the full amount for which you qualify is immediately available to you, but you pay interest only on the amount that you use. Most HELOCs are interest-only loans and you can pay back the principal whenever it suits you. The principal amount paid back is then available for you to take again as you require it. Interest on a HELOC is calculated on a daily basis taking account of your deposits andwithdrawals.
HELOCs offer homeowners easy to access funds, at an interest rate that is usually lower than that paid on unsecured debt. You can pay the loan whenever you like with no penalties incurred. On the downside, a HELOC could get you into trouble if you are not disciplined. It gives you access to a large amount of money that could tempt you to spend. You also do not have to pay back the principal. Unless you have a budget to pay back a minimum amount every month you may be tempted to continue to pay just the interest on the loan. If you decide to move your mortgage you will have to pay back the HELOCin full.
HELOC’s offer homeowners easy access to money but the must be usedwith caution.
MORTGAGE SERVICES AND SOLUTIONSFIRST TIME BUYERS
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FIRST TIME HOME BUYER MORTGAGE- OUR BROKERS CAN HELP! Tired of Renting? Time to strike out on your own? For many people buying their first home is one of the biggest investments they’ll ever make. The mortgage, no doubt, the single biggest debt. Little wonder many young people fear to take the big step. Certified Mortgage Brokers aim to make it easier for you to make these big decisions by helping you to understand the various options available to you. Your certified mortgage broker will * Explain the mortgage process to you from start to finish * Determine how much you can afford and the size of the mortgage for which you will qualify * Get you the best mortgage deal by shopping around * Get a pre-approved mortgage which will ensure that you have the edge on someone else that may want the same property but stillrequires approval
* Access the Home Buyer’s Plan which allows you to draw up to $25000 from your Registered Retirement Savings Plan * Discuss other incentives such as the Land Transfer Tax and First Time Home Buyer’s Tax Credit, so that you can take advantage of every incentive available to you as a first-time buyer. * Explain the mortgage terms and conditions so that you can settle on the best option for your budget and lifestyle * Estimate the closing costs so that you have a full understanding of the costs up front. We’ll help you to make informed decisions so that you can enjoy the process of buying your first home without the stress.SECOND MORTGAGES
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GET A SECOND MORTGAGE TO PAY OF DEBT OR PURCHASE ANOTHER HOUSE. A second mortgage, also known as a home equity loan, is an excellent way to secure a large sum of money using the equity that you have built in your home. A second mortgage is a mortgage taken against a property that already has a mortgage registered against it. Before you apply for a second mortgage, it is essential that you understand the costs and the risks involved. Your mortgage broker is qualified to help you to balance the costs and the benefits of taking a second mortgage. A second mortgage is always more expensive than the first. This is because the second lender carries more risk than the first. In case of default and foreclosure, the proceeds cover the first mortgage before the second. So, the second mortgage holder runs the risk of not recovering his full loan. Despite the additional cost, a secured loan is considerably less expensive than an unsecured loan. It can be a godsend when emergency funding is required. It is also a great way to consolidate more expensive debt such as credit card debt and personal loans. A second mortgage also opens opportunities for investment or for upgrading your home. When you negotiate a second mortgage you can borrow up to 90% of the equity in your home. If you’re certain that you can afford a second mortgage and if it fits in with your financial planning. We can help you to find the best terms and conditions from our portfolio of lenders. MORTGAGE REFINANCING__
MORTGAGE REFINANCING – WE CAN HELP There are many reasons why you may choose to refinance your mortgage. With equity in your home and the financial means to pay off a bigger mortgage, refinancing could secure you the funds to pay for renovations or to invest in property. Perhaps you want to pay for your child’s education or consolidate expensive unsecured debt. It may be that you want to take advantage of a lower interest rate. Don’t let penalty charges put you off. Sometimes it is cheaper to pay the penalties and refinance your mortgage. In evaluating your options, you should consider the following; * The penalties for early exit * The interest rate on your current mortgage * The interest savings under the new scenario * The new terms and conditions. Homeowners should evaluate their mortgages annually. Failure to do so could result in the payment of unnecessarily high interest which could run into thousands of dollars over the term. Sometimes it is better to pay off your current mortgage and all the costs, including penalties, and negotiate a new mortgage. With the right advice, you can reduce your repayments when you refinance or you could use the equity in your home for investments, and save the tax on the interest portion of the repayments. You can access up to 90% of the equity in your home when you refinance your mortgage. Whether you’re taking advantage of lower interest rates or consolidating debt, refinancing your mortgage can save you money. Even so, it is important to balance the costs and benefits before you sign on the dotted line. SELF EMPLOYED (MORTGAGES)__
WE OFFER SELF EMPLOYED MORTGAGE PROGRAM AT THE BEST RATES More than 15% of Canadian residents are now self-employed. If you’re one of them, qualifying for a mortgage may be more difficult and more expensive than it is for your formally employed neighbour. Many mortgage providers consider the self-employed a higher risk. They typically ask for at least two years proof of income before they will even consider a mortgage. If you’re self-employed you probably write off allowable expenses in a bid to reduce taxable income. This makes perfect sense, but it could negatively affect the size of the mortgage for which you will qualify. This is because lenders will use your debt to earnings ratio to calculate how much you can afford to pay. Fortunately, there are some lenders who will write back some of the allowable expenses. If you’re self-employed and planning to buy property, forward planning will stand you in good stead. Make sure that all your documentation is in order. Look after your credit score, and pay off as many of your debts as you can before applying for a mortgage. Consider your options when it comes to allowable expenses. Maximise your earnings and hold back on large optional purchases. Save for a down payment. The higher the down payment you make the lower the risk to the mortgage provider. Find yourself a good mortgage broker. A good broker will ensure that you have all the necessary paperwork in place. He can also partner you with a private mortgage provider that specialises in self-employed mortgages if the traditional banks are not interested.MORTGAGE RENEWALS
__
When your mortgage comes up for renewal, whatever the term it is time to pay it off or sign up a new contract. Many people fail to take advantage of the renewal period to negotiate better terms and conditions. They simply sign and return the renewal form. This is amistake.
Renewal is the perfect time to consider whether the mortgage still fits in with your financial and lifestyle requirements. This is when you need to consider the term of your mortgage, the interest rate you should be paying and whether you want to continue with the same lenderor find a new one.
In signing off the renewal notice without doing your research or negotiating better rates you could be leaving thousands of dollars on the table. Up to 50% of mortgage holders fail to renegotiate atrenewal time.
Make the best of the opportunity by contacting your mortgage broker three months before the renewal period comes up. This will give him time to negotiate the best deal for you and to find terms and conditions that suit your current and future financial plans. By the time the renewal notice shows up in your mailbox, you’ll know exactly what route you plan to take. Interest rate savings can help you to pay off the principal on your mortgage at an earlier date. Don’t miss the opportunity to align your mortgage with your current lifestyle and with the realities of the housing market. When you sign for a new term you are signing for a new mortgage contract. CONSTRUCTION FINANCING__
WE OFFER CONSTRUCTION FINANCING IN ONTARIO FOR BOTH CONTRACTORS ANDHOME OWNERS.
Many people dream of building their own home rather than moving into one that has been tailored to someone else’s lifestyle. If this is your dream then construction financing is the product for you. Before you consider construction financing you should be aware that you will need to put in a little more effort and finance. The down payment required on construction financing is often as much as 25% to 35%. There are a lot of important decisions to make when constructing your own home. Where to build and which construction company to employ to do the task are crucial to the future of your home, and to ensure that your money is well spent. Before you apply for a construction loan, also known as an own build mortgage, you’ll need to prepare. The lender will require construction plans and your contract with the construction company. They will also require an estimate of costs. If you’re building on the vacant lot, you’ll need the deed of sale and municipal approval for the planned construction. Lenders will also require planned timeframes, and may impose limits on those times. You should ensure that you have adequate funding to correct any mishaps or delays that can happen along the way. A rule of thumb is to have around 15% set aside for any contingencyrequirements.
Building your own home can be risky for both you and the lender, but it is exciting to choose all of your own fittings and finishes. With careful planning and financial advice, you can mitigate the risks.PRIVATE MORTGAGE
__
Recent changes in the Canadian mortgage industry have left many Canadians giving up their dreams of owning their own homes. If you’ve been turned down for a traditional mortgage, it does not have to be the end of the road when it comes to financing. There are many private lenders out there who are willing to give mortgages to people who would not qualify for a mortgage through traditional lenders. Private lenders are not bound by the same stringent rules as the banks. They are people and institutions that have surplus cash and want to lend it to others to earn interest. Private lenders are more interested in the value of the property that will serve as collateral than they are in the credit score of the borrower. They offer many people a second chance. These include * Self-employed people who are unable to adequately prove theirincome
* People with a high debt to income ratio * People who want to invest in unconventional property * People seeking second mortgages to consolidate debt or renovatetheir homes
* People with a poor credit score * People who need money quickly to take advantage of an opportunity. Private lenders are more approachable than the traditional banks. They offer personalised service and will tailor make the mortgage to suit your lifestyle. The application process is also quicker and easier than the process adopted by the traditional banks. Private mortgages are short-term mortgages, typically lasting one to three years. They are interest-only loans. When you borrow from a private lender you should have an exit plan, which your broker canhelp you to develop
HELOC
__
HELOC – HOME EQUITY LINE OF CREDIT AT THE BEST RATES The Home Equity Line of Credit HELOC is a very popular form of secured credit in the Canadian mortgage market. It is flexible financing at its best. When applying for a HELOC you can access as much as 65% of the equity in your home. When you are granted a HELOC, the full amount for which you qualify is immediately available to you, but you pay interest only on the amount that you use. Most HELOCs are interest-only loans and you can pay back the principal whenever it suits you. The principal amount paid back is then available for you to take again as you require it. Interest on a HELOC is calculated on a daily basis taking account of your deposits andwithdrawals.
HELOCs offer homeowners easy to access funds, at an interest rate that is usually lower than that paid on unsecured debt. You can pay the loan whenever you like with no penalties incurred. On the downside, a HELOC could get you into trouble if you are not disciplined. It gives you access to a large amount of money that could tempt you to spend. You also do not have to pay back the principal. Unless you have a budget to pay back a minimum amount every month you may be tempted to continue to pay just the interest on the loan. If you decide to move your mortgage you will have to pay back the HELOCin full.
HELOC’s offer homeowners easy access to money but the must be usedwith caution.
OUR MISSION IS TO REVOLUTIONIZE THE MORTGAGE INDUSTRY …by providing award winning customer service to each and everysingle client.
Toronto Mortgage Brokerage are Toronto’s best home mortgage brokers and reliable professionals in all of Canada. We provide superior service to our clients and offer competitive mortgage rates that you won’t be able to find anywhere else. Our experts will consult you on the best options with regards to all of your needs. By analyzing your financial situation we provide unique solutions and suitable rates whether you are looking to get a first mortgage, second mortgage, renewals and refinancing, construction financing, secured lines or anything else. The expertise and knowledge of our brokers will save you time by eliminating the need to go through confusing information and complex terms by yourself. With our guidance you will have more quality options and will be able to make the smartest decision that suits yourneeds.
We put the interests of your clients above all else when negotiating and managing processes with real estate agents, credit agencies, lenders, lawyers and everyone in between to guarantee your satisfaction. In addition, we’ve built an extensive network of relationships in the business which enables us to find the best termson your behalf.
Fund a TD Mortgage and You Can Get up to $2500 with a Purchase! To learn more Contact UsFEATURED RATES
FIXED
Lender
Rate
Term
Lendwise
2.59%
5-Year
First National Financial2.95%
4-Year
RMG Mortgages
2.69%
3-Year
Street Capital Bank
2.99%
2-Year
TD Bank
2.79%
1-Year
VARIABLE
Term
Rate
5-Year variable
2.9%
(prime - 1.05%)
3-Year variable
2.9%
(prime - 1.05%)
HELOC
Type
Rate
HELOC
4.2%
(prime +0.25%)
OTHER
Type
Rate
Line of Credit
Starting at
3.00%
Equity Loans
Starting at
5.99%
Private Mortgages
Starting at
5.99%
CALL US TODAY +1 866 921 8890 Questions? We’re here to help!Apply Now
MORTGAGE OFFERS
...pick the one thats right for you.Find Out More
WE PAY YOUR LEGAL FEES! When You Close a Mortgage With Us WE PAY YOUT LEGAL FEES,$1000 VALUE
GET $1000 CASH BACK
When You Close a Mortgage With usRECEIVE $1000
CASH BACK
$1000 REFERRAL FEE
When They Close a Mortgage With us REFER A FRIEND AND GET$1000
OUR CUSTOMERS LOVE US We worked with Leon and he provided a thorough and a professional process in re-financing our mortgage. Communication was consistent, he was easy to reach and documents were processed quickly. Most importantly, we got a great rate that has us savings hundreds of dollars per month on our home. These guys really know what they'redoing.
Melissa Brown
3 years ago
As third time home buyers we couldn't be happier with the service we got from Certified mortgage broker. The team did a great job working on our loan. Everything was fast, easy and transparent. Probably the best mortgage experience i’ve ever had.Riley Clements
3 years ago
My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.Linderman Beadles
2 years ago
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.Gina Carroll
2 years ago
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the besti’ve seen.
Deane Laflamme
2 years ago
My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.Stephnie Boyles
2 years ago
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.Billye Peralta
2 years ago
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the besti’ve seen.
Moore Hoover
2 years ago
We worked with Leon and he provided a thorough and a professional process in re-financing our mortgage. Communication was consistent, he was easy to reach and documents were processed quickly. Most importantly, we got a great rate that has us savings hundreds of dollars per month on our home. These guys really know what they'redoing.
Melissa Brown
3 years ago
As third time home buyers we couldn't be happier with the service we got from Certified mortgage broker. The team did a great job working on our loan. Everything was fast, easy and transparent. Probably the best mortgage experience i’ve ever had.Riley Clements
3 years ago
My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.Linderman Beadles
2 years ago
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.Gina Carroll
2 years ago
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THE BASICS OF MORTGAGE All you need to know about mortgages in Toronto and North York. History attests to the fact that homeownership is a pretty good investment. But sometimes, it can be a money-losing project. You know the housing crash? You don’t want to experience what the victims did. Know the basics about mortgage and how you can make sure it will be a win-win deal for your family. DEFINITION OF MORTGAGE Mortgage is a financial transaction wherein a debtor charges his real or personal property to a creditor as a security for a debt. This transaction is most common in property purchases. The property is returned to the debtor on the condition that he/she pays the debt within a given period of time. In more simple terms, a mortgage is a loan that one takes to finance the purchase of a home. It can be the biggest debt one will incur in his lifetime. Since most mortgages are paid full in 15 – 30 years of monthly payments, it pays to get a clear understanding of how amortgage works.
DOWN PAYMENT
The down payment is the amount you are required to pay upfront. That amount is deducted from the total mortgage amount. In Canada, a loan amount less than or equal to $500,000 has a down payment equivalent to 5% of that amount. For instance, a $400,000 loan has a down payment of $20,000. Loans more than $500,000 have down payments subject to thiscomputation:
– $500,000 x 5% = 25,000 – Any portion above $500,000 is multiplied to 10% and then added to 25,000. For a $600,000 loan, the total down payment will be $25,000 + (100,000 x 10%) $10,000 = $35,000.PREAPPROVAL
Make sure that you go through the preapproval stage within which you set a time to talk to a financial institution about your qualifications. Important items to talk about are how much you should borrow and at what interest rate it is affordable for you. This step can be beneficial in many ways. It will save you time getting your mortgage approved and will make you see how much it is your institution is willing to lend you. Further, it gives the opportunity of being able to lock-in an interest rate. When the interest rate goes up during the acquisition of your mortgage, your locked-in interest rate will be unaffected. If the interest rate goes down, you are entitled to get your mortgage at the lower rate.INTEREST RATES
Interest rates are either fixed or variable. If you want everything to remain constant throughout the amortization period, go for a fixed rate. This is useful for those who want to generate a certain level of financial security and make budgeting predictable in the coming 20 or25 years.
On the other hand, choosing a variable rate allows a creditor to be flexible in terms of payments. The rates may change down the road, but you can’t be sure if rate changes will give you savings or make youlose money.
PAYMENT OPTIONS
You also have fixed and variable for payment options. For a fixed payment, the monthly payments are constant as the rate is constant through the term. Changes in the interest rates are immaterial. In contrast, variable payments can cause changes in monthly payments depending on the interest rate changes determined by the CanadianCentral Bank.
Tip: Mortgages with variable rates can be also be further classified as “convertible”. A convertible variable rate allows the creditor to make a shift to a fixed rate within the mortgage term. WHAT TO CHOOSE? FIXED OR VARIABLE RATE? A fixed mortgage rate may be good for you if you foresee budget to be tight in the coming years and if you are the kind who doesn’t like taking risks. A fixed rate will also shield you from financial pressures should the interest rate abruptly go up over your mortgage term. Constancy is the key there. If you don’t like changes, especially sudden ones, have a mortgage with a fixed rate. Some prefer variability over constancy and they are good with having with a variable rate. What does this mean? It appears that these individuals are comfortable with the idea of an increase in payments over the term. The advantage is: the central bank may declare lowering the rate during the mortgage’s term. That means lower payments foreveryone!
MORTGAGE COST IN TORONTO: A CASE STUDY A couple thinks it’s time to move to a larger home. Examining the family’s resources, they determined they can pay up to $2000 for monthly payments. The couple’s combined monthly incomes total $100,000/yr. They estimated heating cost to be at $350/mo and property taxes at $250/mo. Car loan payments is $500/mo. The home’s estimated value is placed at $350,000. They entered these data on a mortgage qualifier online calculator. With 4.5% as interest rate, the calculator showed a down payment of $25,000 and a monthly payment of $1,848 (this includes insurance due to the down payment being less that 20% of the home value). Amortization period is 25 years and mortgage term is 5 years. AMORTIZATION AND MORTGAGE TERM Get familiar with two terms: amortization period and mortgage term. – Amortization period – the period within which you are required to pay your mortgage in full. – Mortgage Term – the period within which a current rate remains constant. After a mortgage term, another rate may be applied with its corresponding mortgage term. After the end of the mortgage term, say five years, you will be allowed to negotiate for a lower rate for paying the rest of your mortgage payments. A longer amortization period may not be advisable since you will incur a higher interest rate for that. But some prefer a longer amortization period because monthly payments are lower compared to a shorter amortization period.HOME BUYERS PLAN
Study the Home Buyers Plan of the government. If you are a first-time homebuyer, you may take $25,000 from your RRSP (Registered Retirement Savings Plan) to pay part or the entire down payment. Should you tap into your RRSP, the law requires you to pay it back within 15 years. Delinquent payment will result to tax penalties. HOME REFINANCING SPECIALISTS AVAILABLE! CALL US TODAY +1 866 921 8890 Questions? We’re here to help!Get in Touch
KEY POINTS
In summary, take a close look at the following: Down payment amount. Is it within your budget? * Amortization period. A short amortization period means highermonthly payments.
* Is the term mortgage closed or open? * Interest rate: fixed or variable? Interest rates may go up and down over the mortgage term. * Payments: fixed or variable * Payment schedule: weekly, biweekly or monthly. An accelerated payment schedule is another option. In North York, a mortgage opens many opportunities such as the ability to be landlord – free and owning a house that will increase in value in the coming years. As they say, a mortgage is the lazy way to getrich.
THE MORTGAGE BROKERS BLOG FIXED VS VARIABLE RATES AND THEIR REACTION TO BOND YIELD INVERSION In a strange twist in Canadian mortgage markets borrowers who lock into fixed mortgage rates now can secure lower interest rates than those opting for variable rates of interest.">Read more >
REASONS FOR THE FED RATE CUT AND HOW IT WILL AFFECT CANADA For the first time since the global financial crisis of 2007-2008 the Federal Reserve cut US interest rates at the end of July. The announcement followed President Donald Trump’s unexpected…">Read more >
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* The 16-Point Ontario Housing Market Control And Its Effects * Four Common Home-Buying Mistakes Unmarried Couples Make CERTIFIED MORTGAGE BROKERS ACROSS CANADA …by providing award winning customer service to each and everysingle client.
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