Whether you're a first-time home buyer or ready to upgrade or downsize to a new home, I can guide you through the options and devise a mortgage strategy that is custom tailored to your needs and goals. I believe that having a place to call home is a fundamental human need and right. Buying a new home is a big financial decision, but you don't have to make it alone.
From pre-qualification to refinancing, I help you navigate the process with confidence and save thousands over the life of your loan. See the different loan types and programs that will help you decide which is best for you. Buying an investment property is a popular option for Canadians looking at different ways to invest their money.
From pre-qualification to refinancing, I help you navigate the process with confidence and save thousands over the life of your loan. See the different loan types and programs that will help you decide which is best for you. Buying an investment property is a popular option for Canadians looking at different ways to invest their money.
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With mortgage rates set to climb, and home prices in Greater Toronto Area set to do same, it's essential to save on your Mortgage. You want a low Mortgage Rate but may also want a mortgage with features that give you flexibility if something changes. The new federal stress test continues to make qualifying for a mortgage in expensive markets like Toronto, a challenge for first-time buyers.
A home can be a great place to build memories with friends and family and build a financial foundation for your future. Home purchase can be exciting, but it can also be a challenging and confusing experience. I'm here to help you understand the homebuying process. The following steps will help you make informed and responsible decisions at each stage of the buying process.
Buying an investment property is a popular option for Canadians looking at different ways to invest their money. However, unlike the mortgage you took out on your principal residence, financing an investment property is a little more complex. The number of units in the building and whether or not you'll be occupying one of the units are the two major components that control what your financing will look like.
When your mortgage term comes to an end, you'll need to pay off your mortgage or renew it for another term. This is a good time to review your needs and make sure you have the right mortgage if your needs have changed. Don't be too quick to sign that mortgage renewal letter. Over 70% of Canadian mortgage holders just sign that papers and what is the most common result?
A home equity line of credit (HELOC) is a revolving line of credit that allows you to borrow the equity in your home at a much lower interest rate than a traditional line of credit. Home equity is the current market value of your home minus the remaining balance of your mortgage.
Essentially, it's the amount of ownership of a property you have built up through both appreciation as well as reductions in the mortgage principle made through your mortgage payments.So, as you pay off your mortgage and build equity in your home, a HELOC gives you the ability to reborrow a portion of these funds.
Essentially, it's the amount of ownership of a property you have built up through both appreciation as well as reductions in the mortgage principle made through your mortgage payments.So, as you pay off your mortgage and build equity in your home, a HELOC gives you the ability to reborrow a portion of these funds.
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