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GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost.COTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand. MODULAR OR PREFABRICATED HOME: THE MORTGAGE APPROVAL Buying a modular or prefabricated home can be an excellent idea. They are cost effective, high quality and are available in many wonderful communities throughout Ontario and Canada. If you require mortgage financing for the purchase of a prefab or modular home, it can sometimes be tricky. There are many lenders BRIDGE FINANCING: EVERYTHING YOU NEED TO KNOW IN 2021 Lender fee ($400 – $500): Some lenders will need to be paid for the work in setting up the loan. Because the loan can be as little as 2-3 days, they can charge for their time in setting up the loan. Interest rate (Prime + 3% to 4%) : Typically the interest on a bridge loan is a 2019 FIRST TIME HOME BUYERS INCENTIVE: PROS AND CONS Pros: Adds an extra $10,000 in First Time Buyer RRSP funding towards down payment – from $25,000 to $35,000 per applicant. This could help provide a few thousand dollars extra in up front tax incentives. A very helpful boost when starting a new home. For new homes, up to 10% interest free mortgage loan for as long as the home is owned. MORTGAGE BROKER KITCHENER WATERLOO Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently. Click to CANADA MORTGAGE RATE FORECAST Given this, we are likely to see increases in fixed-rate into the low 2% range towards the middle and end of 2021 and a solid move into the 2% range in 2022. Then in 2023, we may see an increase in the Central Bank rate. The two things that may change this likely case are (1) A new version of ‘COVID 2.0’ that the vaccines are not capable of COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. REFINANCE A MORTGAGE IN CANADA: THE ULTIMATE GUIDE 2021 We subtract the amount of the EXISTING mortgage ($200,000) from the NEW mortgage (in this case the $400,000 maximum): $400,000 – $200,000 = $200,000. This $200,000 is the amount we have to work with after your existing mortgage, in this example, has been paid off. This $200,000 surplus can be used however you’d like: If there is $50,000in
GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost.COTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand. MODULAR OR PREFABRICATED HOME: THE MORTGAGE APPROVAL Buying a modular or prefabricated home can be an excellent idea. They are cost effective, high quality and are available in many wonderful communities throughout Ontario and Canada. If you require mortgage financing for the purchase of a prefab or modular home, it can sometimes be tricky. There are many lenders BRIDGE FINANCING: EVERYTHING YOU NEED TO KNOW IN 2021 Lender fee ($400 – $500): Some lenders will need to be paid for the work in setting up the loan. Because the loan can be as little as 2-3 days, they can charge for their time in setting up the loan. Interest rate (Prime + 3% to 4%) : Typically the interest on a bridge loan is a 2019 FIRST TIME HOME BUYERS INCENTIVE: PROS AND CONS Pros: Adds an extra $10,000 in First Time Buyer RRSP funding towards down payment – from $25,000 to $35,000 per applicant. This could help provide a few thousand dollars extra in up front tax incentives. A very helpful boost when starting a new home. For new homes, up to 10% interest free mortgage loan for as long as the home is owned. 30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investing CONTACT - KITCHENER MORTGAGE BROKERS - ALTRUA In Kitchener Waterloo Call: 1-877-248-9210. Kitchener Mortgage BrokersMain.
MORTGAGE TERM: WHICH IS BEST? 5 YEAR TERM, SHORTER OR 25 Year Amortization. 5 year fixed term at 1.99% (current best rate for most borrowers for this term): Payment = 1691.88 per month. 10 year fixed term at 2.94% (current best rate for most borrowers for this term): Payment = 1880.69 per month. With the 5 year term we would have paid the mortgage down from $400,000 to $334,010.04 over thisterm.
MORTGAGE DOWN PAYMENT IN CANADA: WHAT YOU NEED TO KNOW IN … The following is a shortlist of the different down payment minimums in the market, based on different purchases. Owner-occupied home: 5% on the first $500,000, 10% on above $500,000 – total the two to arrive at the minimum. Owner-occupied home: 20% down payment is the minimum to avoid the CMHC premium (as much as 4% if less than 20% is applied). MORTGAGE DEFAULT INSURANCE CANADA: HOW TO PAY LESS 10% Down Payment: 3.10% of the mortgage amount. 15% Down Payment: 2.80% of the mortgage amount. 20% Down Payment: 0%. So for example at a 10% down payment, for every $100,000 of a mortgage, there is $3,100 of mortgage insurance costs that are included back into the mortgage (bringing the total to $103,100 in this example). HOW A BLENDED MORTGAGE WORKS AND WHEN TO AVOID IT For example: You currently have a $200,000 mortgage at 3% and you’re looking to add to an additional $200,000 at a new lower rate of 2%. Using a perfect 50%/50% weighted average on $200,000 (current at 3%) + $200,000 (new at 2%) then your resulting rate on the new $400,000 blended mortgage would be 2.5% (a perfect 50/50 average of 2% + 3%rates).
CASH BACK MORTGAGE: PROS AND CONS Pros: The cash back mortgage can provide you with funds at closing to help move into your new home, or for any other purpose. It is a simple and convenient way to access additional funds, all bundled into one payment. There are a diverse number of cash back mortgages options out in the market, and some are better than others. MORTGAGE BROKER LONDON ONTARIO Purchasers can expect to pay about $100,000 less for properties than in Toronto commuter cities. For example, the average sale price in Guelph is $376,995 and in London is $256,443. There is a wide selection of neighborhood styles from nationally award winning oldVictorian to
PURCHASE PLUS IMPROVEMENTS MORTGAGE: THE ULTIMATE GUIDE IN Typically, the improvements need to be less than $40,000 or 20% of the purchase price of the home. However in some cases, the amounts can be higher if the lender allows for it., Allows for a higher Total Debt Service Ratio of 44%, than CMHC maximum Total Debt Service of 42%. Genworth Purchase Plus Improvements Site. WHAT ARE THE MORTGAGE BROKER RISKS? Fundamentally, a Mortgage Broker is not a lender, but helps you shop for and select the best lender, while providing mortgage education, strategy and guidance. More specifically – good, reputable Brokers usually won’t look so much at the name of the company, but at the quality of the mortgage contracts that top Canadian lenders areoffering.
MORTGAGE BROKER KITCHENER WATERLOO Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently. Click to CANADA MORTGAGE RATE FORECAST Given this, we are likely to see increases in fixed-rate into the low 2% range towards the middle and end of 2021 and a solid move into the 2% range in 2022. Then in 2023, we may see an increase in the Central Bank rate. The two things that may change this likely case are (1) A new version of ‘COVID 2.0’ that the vaccines are not capable of COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. REFINANCE A MORTGAGE IN CANADA: THE ULTIMATE GUIDE 2021 We subtract the amount of the EXISTING mortgage ($200,000) from the NEW mortgage (in this case the $400,000 maximum): $400,000 – $200,000 = $200,000. This $200,000 is the amount we have to work with after your existing mortgage, in this example, has been paid off. This $200,000 surplus can be used however you’d like: If there is $50,000in
GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investing VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost.COTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand. MORTGAGE DOWN PAYMENT IN CANADA: WHAT YOU NEED TO KNOW IN … The following is a shortlist of the different down payment minimums in the market, based on different purchases. Owner-occupied home: 5% on the first $500,000, 10% on above $500,000 – total the two to arrive at the minimum. Owner-occupied home: 20% down payment is the minimum to avoid the CMHC premium (as much as 4% if less than 20% is applied). 2019 FIRST TIME HOME BUYERS INCENTIVE: PROS AND CONS Pros: Adds an extra $10,000 in First Time Buyer RRSP funding towards down payment – from $25,000 to $35,000 per applicant. This could help provide a few thousand dollars extra in up front tax incentives. A very helpful boost when starting a new home. For new homes, up to 10% interest free mortgage loan for as long as the home is owned. MORTGAGE BROKER KITCHENER WATERLOO Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently. Click to CANADA MORTGAGE RATE FORECAST Given this, we are likely to see increases in fixed-rate into the low 2% range towards the middle and end of 2021 and a solid move into the 2% range in 2022. Then in 2023, we may see an increase in the Central Bank rate. The two things that may change this likely case are (1) A new version of ‘COVID 2.0’ that the vaccines are not capable of COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. REFINANCE A MORTGAGE IN CANADA: THE ULTIMATE GUIDE 2021 We subtract the amount of the EXISTING mortgage ($200,000) from the NEW mortgage (in this case the $400,000 maximum): $400,000 – $200,000 = $200,000. This $200,000 is the amount we have to work with after your existing mortgage, in this example, has been paid off. This $200,000 surplus can be used however you’d like: If there is $50,000in
GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investing VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost.COTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand. MORTGAGE DOWN PAYMENT IN CANADA: WHAT YOU NEED TO KNOW IN … The following is a shortlist of the different down payment minimums in the market, based on different purchases. Owner-occupied home: 5% on the first $500,000, 10% on above $500,000 – total the two to arrive at the minimum. Owner-occupied home: 20% down payment is the minimum to avoid the CMHC premium (as much as 4% if less than 20% is applied). 2019 FIRST TIME HOME BUYERS INCENTIVE: PROS AND CONS Pros: Adds an extra $10,000 in First Time Buyer RRSP funding towards down payment – from $25,000 to $35,000 per applicant. This could help provide a few thousand dollars extra in up front tax incentives. A very helpful boost when starting a new home. For new homes, up to 10% interest free mortgage loan for as long as the home is owned. 30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investing CONTACT - KITCHENER MORTGAGE BROKERS - ALTRUA In Kitchener Waterloo Call: 1-877-248-9210. Kitchener Mortgage BrokersMain.
MORTGAGE CALCULATOR ONTARIO THESE online mortgage calculators are some of the most useful and advanced available in Ontario for helping you to calculate the first two of these points, based on income and down payment. With our highly detailed and accurate mortgage calculator, we serve Kitchener Waterloo, Cambridge, Guelph, Milton, Brantford, London and Windsor –and
MODULAR OR PREFABRICATED HOME: THE MORTGAGE APPROVAL Buying a modular or prefabricated home can be an excellent idea. They are cost effective, high quality and are available in many wonderful communities throughout Ontario and Canada. If you require mortgage financing for the purchase of a prefab or modular home, it can sometimes be tricky. There are many lenders MORTGAGE TERM: WHICH IS BEST? 5 YEAR TERM, SHORTER OR 25 Year Amortization. 5 year fixed term at 1.99% (current best rate for most borrowers for this term): Payment = 1691.88 per month. 10 year fixed term at 2.94% (current best rate for most borrowers for this term): Payment = 1880.69 per month. With the 5 year term we would have paid the mortgage down from $400,000 to $334,010.04 over thisterm.
MORTGAGE DEFAULT INSURANCE CANADA: HOW TO PAY LESS 10% Down Payment: 3.10% of the mortgage amount. 15% Down Payment: 2.80% of the mortgage amount. 20% Down Payment: 0%. So for example at a 10% down payment, for every $100,000 of a mortgage, there is $3,100 of mortgage insurance costs that are included back into the mortgage (bringing the total to $103,100 in this example). MORTGAGE BROKER LONDON ONTARIO Purchasers can expect to pay about $100,000 less for properties than in Toronto commuter cities. For example, the average sale price in Guelph is $376,995 and in London is $256,443. There is a wide selection of neighborhood styles from nationally award winning oldVictorian to
BRIDGE FINANCING: EVERYTHING YOU NEED TO KNOW IN 2021 Lender fee ($400 – $500): Some lenders will need to be paid for the work in setting up the loan. Because the loan can be as little as 2-3 days, they can charge for their time in setting up the loan. Interest rate (Prime + 3% to 4%) : Typically the interest on a bridge loan is a PURCHASE PLUS IMPROVEMENTS MORTGAGE: THE ULTIMATE GUIDE IN Typically, the improvements need to be less than $40,000 or 20% of the purchase price of the home. However in some cases, the amounts can be higher if the lender allows for it., Allows for a higher Total Debt Service Ratio of 44%, than CMHC maximum Total Debt Service of 42%. Genworth Purchase Plus Improvements Site. WHAT ARE THE MORTGAGE BROKER RISKS? Fundamentally, a Mortgage Broker is not a lender, but helps you shop for and select the best lender, while providing mortgage education, strategy and guidance. More specifically – good, reputable Brokers usually won’t look so much at the name of the company, but at the quality of the mortgage contracts that top Canadian lenders areoffering.
MORTGAGE BROKER KITCHENER WATERLOO Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently. Click to Ask a Question or Call 1-877-248-9210 for a no obligation chat. CANADA MORTGAGE RATE FORECAST Given this, we are likely to see increases in fixed-rate into the low 2% range towards the middle and end of 2021 and a solid move into the 2% range in 2022. Then in 2023, we may see an increase in the Central Bank rate. The two things that may change this likely case are (1) A new version of ‘COVID 2.0’ that the vaccines are not capable of COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. REFINANCE A MORTGAGE IN CANADA: THE ULTIMATE GUIDE 2021 We subtract the amount of the EXISTING mortgage ($200,000) from the NEW mortgage (in this case the $400,000 maximum): $400,000 – $200,000 = $200,000. This $200,000 is the amount we have to work with after your existing mortgage, in this example, has been paid off. This $200,000 surplus can be used however you’d like: If there is $50,000in
GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investingCOTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand. VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost. MORTGAGE DOWN PAYMENT IN CANADA: WHAT YOU NEED TO KNOW IN … The following is a shortlist of the different down payment minimums in the market, based on different purchases. Owner-occupied home: 5% on the first $500,000, 10% on above $500,000 – total the two to arrive at the minimum. Owner-occupied home: 20% down payment is the minimum to avoid the CMHC premium (as much as 4% if less than 20% is applied). HOW A BLENDED MORTGAGE WORKS AND WHEN TO AVOID IT For example: You currently have a $200,000 mortgage at 3% and you’re looking to add to an additional $200,000 at a new lower rate of 2%. Using a perfect 50%/50% weighted average on $200,000 (current at 3%) + $200,000 (new at 2%) then your resulting rate on the new $400,000 blended mortgage would be 2.5% (a perfect 50/50 average of 2% + 3%rates).
MORTGAGE BROKER KITCHENER WATERLOO Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently. Click to Ask a Question or Call 1-877-248-9210 for a no obligation chat. CANADA MORTGAGE RATE FORECAST Given this, we are likely to see increases in fixed-rate into the low 2% range towards the middle and end of 2021 and a solid move into the 2% range in 2022. Then in 2023, we may see an increase in the Central Bank rate. The two things that may change this likely case are (1) A new version of ‘COVID 2.0’ that the vaccines are not capable of COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. REFINANCE A MORTGAGE IN CANADA: THE ULTIMATE GUIDE 2021 We subtract the amount of the EXISTING mortgage ($200,000) from the NEW mortgage (in this case the $400,000 maximum): $400,000 – $200,000 = $200,000. This $200,000 is the amount we have to work with after your existing mortgage, in this example, has been paid off. This $200,000 surplus can be used however you’d like: If there is $50,000in
GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investingCOTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand. VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost. MORTGAGE DOWN PAYMENT IN CANADA: WHAT YOU NEED TO KNOW IN … The following is a shortlist of the different down payment minimums in the market, based on different purchases. Owner-occupied home: 5% on the first $500,000, 10% on above $500,000 – total the two to arrive at the minimum. Owner-occupied home: 20% down payment is the minimum to avoid the CMHC premium (as much as 4% if less than 20% is applied). HOW A BLENDED MORTGAGE WORKS AND WHEN TO AVOID IT For example: You currently have a $200,000 mortgage at 3% and you’re looking to add to an additional $200,000 at a new lower rate of 2%. Using a perfect 50%/50% weighted average on $200,000 (current at 3%) + $200,000 (new at 2%) then your resulting rate on the new $400,000 blended mortgage would be 2.5% (a perfect 50/50 average of 2% + 3%rates).
30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investing CONTACT - KITCHENER MORTGAGE BROKERS - ALTRUA In Kitchener Waterloo Call: 1-877-248-9210. Kitchener Mortgage BrokersMain.
MORTGAGE CALCULATOR ONTARIO THESE online mortgage calculators are some of the most useful and advanced available in Ontario for helping you to calculate the first two of these points, based on income and down payment. With our highly detailed and accurate mortgage calculator, we serve Kitchener Waterloo, Cambridge, Guelph, Milton, Brantford, London and Windsor –and
CAMBRIDGE MORTGAGE BROKER Cambridge, Ontario. Cambridge, a City of proud history, was formed out of the amalgamation of Galt, Preston, Hespler and Blair Townships.The population as of 2020 is upwards of 140,000 and is on a steady growth trajectory. The City enjoys immediate access to the Highway 401, and a 1-hour commute to central Toronto. This convenience is increasingly appealing to those employed in the GTA, and MODULAR OR PREFABRICATED HOME: THE MORTGAGE APPROVAL Buying a modular or prefabricated home can be an excellent idea. They are cost effective, high quality and are available in many wonderful communities throughout Ontario and Canada. If you require mortgage financing for the purchase of a prefab or modular home, it can sometimes be tricky. There are many lenders MORTGAGE BROKER LONDON ONTARIO Purchasers can expect to pay about $100,000 less for properties than in Toronto commuter cities. For example, the average sale price in Guelph is $376,995 and in London is $256,443. There is a wide selection of neighborhood styles from nationally award winning oldVictorian to
MORTGAGE DEFAULT INSURANCE CANADA: HOW TO PAY LESS 10% Down Payment: 3.10% of the mortgage amount. 15% Down Payment: 2.80% of the mortgage amount. 20% Down Payment: 0%. So for example at a 10% down payment, for every $100,000 of a mortgage, there is $3,100 of mortgage insurance costs that are included back into the mortgage (bringing the total to $103,100 in this example). BRIDGE FINANCING: EVERYTHING YOU NEED TO KNOW IN 2021 Lender fee ($400 – $500): Some lenders will need to be paid for the work in setting up the loan. Because the loan can be as little as 2-3 days, they can charge for their time in setting up the loan. Interest rate (Prime + 3% to 4%) : Typically the interest on a bridge loan is a KITCHENER MORTGAGE BROKER BRENT RICHARDSON Brent strives to place our client’s interests first in every way possible – from securing the lowest mortgage rates to providing reliable financial guidance. Brent has 12 years experience in the Mortgage Industry, including 3 years as Business Development Manager at a leading Canadian Mortgage Brokerage and substantial experience as Account Manager at a major Canadian Bank. WHAT ARE THE MORTGAGE BROKER RISKS? Fundamentally, a Mortgage Broker is not a lender, but helps you shop for and select the best lender, while providing mortgage education, strategy and guidance. More specifically – good, reputable Brokers usually won’t look so much at the name of the company, but at the quality of the mortgage contracts that top Canadian lenders areoffering.
MORTGAGE BROKER KITCHENER WATERLOO Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently. Click to Ask a Question or Call 1-877-248-9210 for a no obligation chat. CANADA MORTGAGE RATE FORECAST Given this, we are likely to see increases in fixed-rate into the low 2% range towards the middle and end of 2021 and a solid move into the 2% range in 2022. Then in 2023, we may see an increase in the Central Bank rate. The two things that may change this likely case are (1) A new version of ‘COVID 2.0’ that the vaccines are not capable of COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. REFINANCE A MORTGAGE IN CANADA: THE ULTIMATE GUIDE 2021 We subtract the amount of the EXISTING mortgage ($200,000) from the NEW mortgage (in this case the $400,000 maximum): $400,000 – $200,000 = $200,000. This $200,000 is the amount we have to work with after your existing mortgage, in this example, has been paid off. This $200,000 surplus can be used however you’d like: If there is $50,000in
GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investing VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost.COTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand. BRIDGE FINANCING: EVERYTHING YOU NEED TO KNOW IN 2021 Lender fee ($400 – $500): Some lenders will need to be paid for the work in setting up the loan. Because the loan can be as little as 2-3 days, they can charge for their time in setting up the loan. Interest rate (Prime + 3% to 4%) : Typically the interest on a bridge loan is a MODULAR OR PREFABRICATED HOME: THE MORTGAGE APPROVAL Buying a modular or prefabricated home can be an excellent idea. They are cost effective, high quality and are available in many wonderful communities throughout Ontario and Canada. If you require mortgage financing for the purchase of a prefab or modular home, it can sometimes be tricky. There are many lenders MORTGAGE BROKER KITCHENER WATERLOO Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently. Click to Ask a Question or Call 1-877-248-9210 for a no obligation chat. CANADA MORTGAGE RATE FORECAST Given this, we are likely to see increases in fixed-rate into the low 2% range towards the middle and end of 2021 and a solid move into the 2% range in 2022. Then in 2023, we may see an increase in the Central Bank rate. The two things that may change this likely case are (1) A new version of ‘COVID 2.0’ that the vaccines are not capable of COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. REFINANCE A MORTGAGE IN CANADA: THE ULTIMATE GUIDE 2021 We subtract the amount of the EXISTING mortgage ($200,000) from the NEW mortgage (in this case the $400,000 maximum): $400,000 – $200,000 = $200,000. This $200,000 is the amount we have to work with after your existing mortgage, in this example, has been paid off. This $200,000 surplus can be used however you’d like: If there is $50,000in
GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investing VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost.COTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand. BRIDGE FINANCING: EVERYTHING YOU NEED TO KNOW IN 2021 Lender fee ($400 – $500): Some lenders will need to be paid for the work in setting up the loan. Because the loan can be as little as 2-3 days, they can charge for their time in setting up the loan. Interest rate (Prime + 3% to 4%) : Typically the interest on a bridge loan is a MODULAR OR PREFABRICATED HOME: THE MORTGAGE APPROVAL Buying a modular or prefabricated home can be an excellent idea. They are cost effective, high quality and are available in many wonderful communities throughout Ontario and Canada. If you require mortgage financing for the purchase of a prefab or modular home, it can sometimes be tricky. There are many lenders COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. 30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investing CONTACT - KITCHENER MORTGAGE BROKERS - ALTRUA In Kitchener Waterloo Call: 1-877-248-9210. Kitchener Mortgage BrokersMain.
MODULAR OR PREFABRICATED HOME: THE MORTGAGE APPROVAL Buying a modular or prefabricated home can be an excellent idea. They are cost effective, high quality and are available in many wonderful communities throughout Ontario and Canada. If you require mortgage financing for the purchase of a prefab or modular home, it can sometimes be tricky. There are many lenders CAMBRIDGE MORTGAGE BROKER Cambridge, Ontario. Cambridge, a City of proud history, was formed out of the amalgamation of Galt, Preston, Hespler and Blair Townships.The population as of 2020 is upwards of 140,000 and is on a steady growth trajectory. The City enjoys immediate access to the Highway 401, and a 1-hour commute to central Toronto. This convenience is increasingly appealing to those employed in the GTA, and MORTGAGE DEFAULT INSURANCE CANADA: HOW TO PAY LESS 10% Down Payment: 3.10% of the mortgage amount. 15% Down Payment: 2.80% of the mortgage amount. 20% Down Payment: 0%. So for example at a 10% down payment, for every $100,000 of a mortgage, there is $3,100 of mortgage insurance costs that are included back into the mortgage (bringing the total to $103,100 in this example). MORTGAGE DOWN PAYMENT IN CANADA: WHAT YOU NEED TO KNOW IN … The following is a shortlist of the different down payment minimums in the market, based on different purchases. Owner-occupied home: 5% on the first $500,000, 10% on above $500,000 – total the two to arrive at the minimum. Owner-occupied home: 20% down payment is the minimum to avoid the CMHC premium (as much as 4% if less than 20% is applied). KITCHENER MORTGAGE BROKER BRENT RICHARDSON Brent Richardson. Principal Mortgage Broker (Lic. # M08006143), Certified Financial Planner, BA (Hons.) Altrua Financial Inc. FSCO #13005. Brent strives to place our client’s interests first in every way possible – from securing the lowest mortgage rates to providing reliable financial guidance. Brent has 12 years experience in theMortgage
MORTGAGE BROKER LONDON ONTARIO Purchasers can expect to pay about $100,000 less for properties than in Toronto commuter cities. For example, the average sale price in Guelph is $376,995 and in London is $256,443. There is a wide selection of neighborhood styles from nationally award winning oldVictorian to
PURCHASE PLUS IMPROVEMENTS MORTGAGE: THE ULTIMATE GUIDE IN Typically, the improvements need to be less than $40,000 or 20% of the purchase price of the home. However in some cases, the amounts can be higher if the lender allows for it., Allows for a higher Total Debt Service Ratio of 44%, than CMHC maximum Total Debt Service of 42%. Genworth Purchase Plus Improvements Site. MORTGAGE BROKER KITCHENER WATERLOO Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently. Click to Ask a Question or Call 1-877-248-9210 for a no obligation chat. CANADA MORTGAGE RATE FORECAST Given this, we are likely to see increases in fixed-rate into the low 2% range towards the middle and end of 2021 and a solid move into the 2% range in 2022. Then in 2023, we may see an increase in the Central Bank rate. The two things that may change this likely case are (1) A new version of ‘COVID 2.0’ that the vaccines are not capable of COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. REFINANCE A MORTGAGE IN CANADA: THE ULTIMATE GUIDE 2021 We subtract the amount of the EXISTING mortgage ($200,000) from the NEW mortgage (in this case the $400,000 maximum): $400,000 – $200,000 = $200,000. This $200,000 is the amount we have to work with after your existing mortgage, in this example, has been paid off. This $200,000 surplus can be used however you’d like: If there is $50,000in
VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost.COTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand.GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
MORTGAGE DEFAULT INSURANCE CANADA: HOW TO PAY LESS 10% Down Payment: 3.10% of the mortgage amount. 15% Down Payment: 2.80% of the mortgage amount. 20% Down Payment: 0%. So for example at a 10% down payment, for every $100,000 of a mortgage, there is $3,100 of mortgage insurance costs that are included back into the mortgage (bringing the total to $103,100 in this example). BRIDGE FINANCING: EVERYTHING YOU NEED TO KNOW IN 2021 Lender fee ($400 – $500): Some lenders will need to be paid for the work in setting up the loan. Because the loan can be as little as 2-3 days, they can charge for their time in setting up the loan. Interest rate (Prime + 3% to 4%) : Typically the interest on a bridge loan is a KITCHENER MORTGAGE BROKER BRENT RICHARDSON Brent Richardson. Principal Mortgage Broker (Lic. # M08006143), Certified Financial Planner, BA (Hons.) Altrua Financial Inc. FSCO #13005. Brent strives to place our client’s interests first in every way possible – from securing the lowest mortgage rates to providing reliable financial guidance. Brent has 12 years experience in theMortgage
MORTGAGE BROKER KITCHENER WATERLOO Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently. Click to Ask a Question or Call 1-877-248-9210 for a no obligation chat. CANADA MORTGAGE RATE FORECAST Given this, we are likely to see increases in fixed-rate into the low 2% range towards the middle and end of 2021 and a solid move into the 2% range in 2022. Then in 2023, we may see an increase in the Central Bank rate. The two things that may change this likely case are (1) A new version of ‘COVID 2.0’ that the vaccines are not capable of COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. REFINANCE A MORTGAGE IN CANADA: THE ULTIMATE GUIDE 2021 We subtract the amount of the EXISTING mortgage ($200,000) from the NEW mortgage (in this case the $400,000 maximum): $400,000 – $200,000 = $200,000. This $200,000 is the amount we have to work with after your existing mortgage, in this example, has been paid off. This $200,000 surplus can be used however you’d like: If there is $50,000in
VARIABLE VS FIXED MORTGAGE: THE ULTIMATE GUIDE FOR 2021 The variable vs fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. It’s a decision that will affect a homeowner for years to come and could be the difference in literally thousands of dollars of the interest cost.COTTAGE MORTGAGE
Approval Rules Specific to Cottage Mortgage Financing. Type A Cottage Properties: Essentially a second house. Have a full foundation ( the structure is not movable). Are fully winterized/ 4 season dwellings. Are accessible by municipally plowed road/ year round access. Is located in an area with demonstrated, reasonable resale demand.GIFT LETTER CANADA
Here are the top 5 most important things to know about gift letters in Canada and gifted down payments in general. 1. The gift must come from an immediate family member. This includes parents, siblings, or grandparents. On rare exceptions an uncle or cousin may be used, however, the money is best provided through an immediate familymember.
MORTGAGE DEFAULT INSURANCE CANADA: HOW TO PAY LESS 10% Down Payment: 3.10% of the mortgage amount. 15% Down Payment: 2.80% of the mortgage amount. 20% Down Payment: 0%. So for example at a 10% down payment, for every $100,000 of a mortgage, there is $3,100 of mortgage insurance costs that are included back into the mortgage (bringing the total to $103,100 in this example). BRIDGE FINANCING: EVERYTHING YOU NEED TO KNOW IN 2021 Lender fee ($400 – $500): Some lenders will need to be paid for the work in setting up the loan. Because the loan can be as little as 2-3 days, they can charge for their time in setting up the loan. Interest rate (Prime + 3% to 4%) : Typically the interest on a bridge loan is a KITCHENER MORTGAGE BROKER BRENT RICHARDSON Brent Richardson. Principal Mortgage Broker (Lic. # M08006143), Certified Financial Planner, BA (Hons.) Altrua Financial Inc. FSCO #13005. Brent strives to place our client’s interests first in every way possible – from securing the lowest mortgage rates to providing reliable financial guidance. Brent has 12 years experience in theMortgage
COMMERCIAL MORTGAGE BROKER KITCHENER Multi-Unit Residential. Retail. Office. Industrial/ Warehouse. Construction/ Development. Agriculture. We offer commercial mortgages in Kitchener Waterloo, London, GHA, GTA, Barrie and Ottawa. Connect with us at your convenience for a free consultation and pre-approval quote. brent@altrua.ca. CONTACT - KITCHENER MORTGAGE BROKERS - ALTRUA In Kitchener Waterloo Call: 1-877-248-9210. Kitchener Mortgage BrokersMain.
30 YEAR MORTGAGE CANADA: PROS AND CONS OF A 30 Pros of a 30 Year Mortgage in Canada: Improves purchasing power: A 30-year amortization improves purchasing power by approximately 16.6% versus a 25 year amortization. If it means getting into the right house, it could very well be worth it. Lowers the mortgage payment: Even if you are not maximizing your purchase price, a 30 year mortgage can help to free up extra cash flow for investing CAMBRIDGE MORTGAGE BROKER Cambridge, Ontario. Cambridge, a City of proud history, was formed out of the amalgamation of Galt, Preston, Hespler and Blair Townships.The population as of 2020 is upwards of 140,000 and is on a steady growth trajectory. The City enjoys immediate access to the Highway 401, and a 1-hour commute to central Toronto. This convenience is increasingly appealing to those employed in the GTA, and MODULAR OR PREFABRICATED HOME: THE MORTGAGE APPROVAL Buying a modular or prefabricated home can be an excellent idea. They are cost effective, high quality and are available in many wonderful communities throughout Ontario and Canada. If you require mortgage financing for the purchase of a prefab or modular home, it can sometimes be tricky. There are many lenders MORTGAGE DOWN PAYMENT IN CANADA: WHAT YOU NEED TO KNOW IN … The following is a shortlist of the different down payment minimums in the market, based on different purchases. Owner-occupied home: 5% on the first $500,000, 10% on above $500,000 – total the two to arrive at the minimum. Owner-occupied home: 20% down payment is the minimum to avoid the CMHC premium (as much as 4% if less than 20% is applied). KITCHENER MORTGAGE BROKER BRENT RICHARDSON Brent strives to place our client’s interests first in every way possible – from securing the lowest mortgage rates to providing reliable financial guidance. Brent has 12 years experience in the Mortgage Industry, including 3 years as Business Development Manager at a leading Canadian Mortgage Brokerage and substantial experience as Account Manager at a major Canadian Bank. MORTGAGE BROKER LONDON ONTARIO Purchasers can expect to pay about $100,000 less for properties than in Toronto commuter cities. For example, the average sale price in Guelph is $376,995 and in London is $256,443. There is a wide selection of neighborhood styles from nationally award winning oldVictorian to
WHAT ARE THE MORTGAGE BROKER RISKS? Fundamentally, a Mortgage Broker is not a lender, but helps you shop for and select the best lender, while providing mortgage education, strategy and guidance. More specifically – good, reputable Brokers usually won’t look so much at the name of the company, but at the quality of the mortgage contracts that top Canadian lenders areoffering.
RRSP VS TSFA
Main TSFA Benefits: Money withdrawn from a TSFA is tax free (unlike an RRSP). Money invested into a TSFA is tax paid income (unlike an RRSP), and attracts no refund. Investment growth avoids income taxes. With the exception of selling an owner occupied house, there is little to no opportunity in Canada to completely avoid income taxes onSkip to content
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BUY, RENEW OR ACCESS YOUR HOMES EQUITY – WITH CONFIDENCE. No matter what your mortgage need is, Altrua is here to simplify the process and help make your approval a breeze. We are a licensed Mortgage Brokerage, with over 12 years history serving clients across Ontario. FULLY ONLINE, SECURE DIGITAL MORTGAGE CLOSINGS AVAILABLE. NO PAPERWORK, NO STRESS. SAME GREAT MORTGAGES. SIMPLY AT LOWER RATES. We begin by using our high mortgage volumes and close lender relationships to access the best possible lender rates. From here, Altrua Financial lowers its customers’ rates even further by sacrificing some of its lender paid commission. Our Competition _Might_ Lower Your Rate On Exception. WE LOWER YOURRATE BY POLICY.
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2020-12-28T23:00:24-05:00 PRIVATE MORTGAGE CHECKLIST: 7 THINGS YOU NEED TO KNOW IN 2021Brent Richardson
2020-12-28T23:00:24-05:00December 19th, 2020|0 Comments A private mortgage is an excellent solution for nearly any financial issue, to access home equity, or to purchase a home when credit*
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2020-12-27T18:17:36-05:00 OPEN VS CLOSED MORTGAGE: THE BEST MORTGAGE OPTIONS IN 2021Brent Richardson
2020-12-27T18:17:36-05:00August 13th, 2020|0 Comments The open vs closed mortgage discussion is one that often comes up. Most homeowners appreciate the idea of an open mortgage because anopen
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2020-12-27T18:38:23-05:00 30 YEAR MORTGAGE CANADA: PROS AND CONSBrent Richardson
2020-12-27T18:38:23-05:00August 12th, 2020|0 Comments For any borrower purchasing with 20% or more down payment, or refinancing their home, a 30 year mortgage is an option worthconsidering.
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2020-12-27T18:45:03-05:00 GIFT LETTER CANADA – 5 THINGS YOU NEED TO KNOW IN 2021Brent Richardson
2020-12-27T18:45:03-05:00August 7th, 2020|0 Comments Getting a gift letter for a mortgage down payment in Canada is one of the best available opportunities for Canadians to either buy a Click for More Articles! OUR CLIENTS ARE SOME OF THE HAPPIEST. HERE IS WHAT THEY’RE SAYING. ONTARIO MORTGAGE SPECIALISTS PROVIDING THE LOWEST RATE FIRST MORTGAGES, SECOND MORTGAGES, HOME EQUITY LOANS AND PRIVATE MORTGAGES IN WATERLOO REGION, OTTAWA, LONDON, GHA, GTA AND ACROSS ONTARIO PROUDLY SERVING FROM OUR OFFICE LOCATIONS IN KITCHENER WATERLOO, CAMBRIDGE, OTTAWA, LONDON, HAMILTON, AND MISSISSAUGA – SERVING ALLOF ONTARIO.
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