Mortgage Agent

Buying a home is exciting—but the final stretch often comes with unexpected costs that can catch buyers off guard. Understanding closing costs is key to budgeting wisely and avoiding surprises on closing day. From legal fees and inspections to insurance and taxes, these expenses can add up quickly. In this guide, we break down the most common closing costs so you can plan ahead, stay confident,…

I’m pleased to share that I’ve officially joined a new mortgage brokerage here in Ontario. This move allows me to offer my clients an even stronger lineup of lenders, more competitive rates, and faster, more flexible mortgage solutions — all while continuing to provide the same personalized service you’ve come to expect. This change is part of my ongoing commitment to deliver the best possible…

Buying your first home is one of the biggest financial steps you’ll ever take — and in 2025, preparation matters more than ever. Whether you’re hoping to buy later this year or simply want to understand the process, getting “mortgage‑ready” is the smartest move you can make. This guide breaks everything down into clear, manageable steps so you can move forward with confidence 🧭 1. Understand…

We offer second mortgage products from different lenders, offering low rates and guidelines with flexibility and quick access.

We offer second mortgage products from different lenders, offering low rates and guidelines with flexibility and quick access.

Get the guidance that you need to get your second mortgage for 1 year and get back on your feet

Use the equity in your home to better your lifestyle:

Apply now for a second mortgage in Ontario and start saving today!

The Region of Waterloo Affordable Home Ownership

The Region of Waterloo Affordable Home Ownership Program Down Payment Assistance forgivable loans of 5% of the purchase price of your home The program Funding for the Region of Waterloo Home ownership program is limited, (Current estimated wait list: 8 months) for a home purchase in the region of a few more first time home buyers families. The Region of Waterloo Home ownership Program is being…

Oxford County Home Ownership Program

The Oxford County Home-ownership program provides financial assistance to qualified low-to-moderate income households. Funding is limited and is available on a first come, first served basis, in the form of a 20-year interest-free loan registered on title and up to 5% of the purchase price of the home.

Down payment assistance is 5% of the purchase price

Eligible Homes Considered

Homes must be…

County of Brant Homeownership Program

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In partnership with the Government of Canada, the Province of Ontario, the City of Brantford and the County of Brant, the B-Home Program has been developed to assist low to moderate income earners realize the dream of owning their first home.

The purpose of the B-home Homeownership Program to:

Make first time home ownership a reality for low to moderate income households…

Liberals or Conservatives on Home ownership 2019

The differences exposed in the debate on our Canadian elections of 2019 on home ownership: who will you give your vote to?

Home ownership has always being important, but it is becoming more and more indispensable for our financial stability and wealth growth if we think of our future. With politics being so dynamic and our economics so increasingly challenging, it helps to be prepared to avoid…

First-Time Home Buyer Incentive The First-Time Home Buyer Incentive helps qualified first-time home-buyers reduce their monthly mortgage carrying costs Learn all about it and calculate your savings

“As of September 2nd 2019, Canadians interested in the First-Time Home Buyer Incentive can submit their applications for a shared equity mortgage with the Government of Canada.” (National housing strategy)

(For distribution and Canadians knowledge)

The First-Time Home Buyer Incentive helps qualified first-time home-buyers reduce their monthly mortgage carrying costs without adding to their…

Fix Mortgage rates lower than variable

So, why should you choose a variable rate mortgage vs a fix rate mortgage?

To save money of course!

Since variable rates have been traditionally lower than fixed mortgage rates some borrower in this dates may choose to select a variable rate mortgage, however that may not be the best option in this August 2019.

Click here to check out today’s mortgage ratesand compare it for yourself, the rates…

The Shared Equity Mortgage

The Federal Government incentive is designed to help those qualifying first time home buyers to reduce their monthly mortgage carrying costs without adding to their financial payments.

The “Shared Equity Mortgage” is home buying incentive available from September 2, 2019, for home purchases with a closing date not earlier than November 2, 2019.

This limited funding available “Shared Equity…

Refinance credit card debt with an equity line of credit

How to refinance credit cards?

Most credit cards grant credit without having an estate as collateral, then, the risk offered by the borrower is high, as a consequence the interest rates are hight too. Equity lines of credit require an estate as collateral, then the risk offered by the borrower is low, as a consequence the interest rates are also lower.

Equity line of credit loans function in a…

Mortgage Home Party

We are experiencing a different home market than others that we have had in the past, many factors influence our capacity to become home-owners.

If you or someone you know are a person that is thinking about becoming a home-owner this article may be a great channel to seize the opportunities ahead of us or simply clear questions about the process of getting approved the…

UBER income for Mortgage

Are you an UBER driver? This is very important for you! Are you not but you happen to know someone who is? Whisper this to him/her.

Being UBER a fairly new company, some people are not aware of how they can use the proceeds of their work as UBER driver as a qualifying income to help them qualify for a mortgage either for a home purchase or to refinance their current mortgage.

UBER has run…

Why rent when you can buy?

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The cost of living in Toronto has gone up and the housing sector is one of the main factors.

Is no news now that the prices of residential properties are very high, so it has been hard for many families to be able to purchase a new home, whether the income is not enough or the credit score has gone down and the savings are not enough, at the end of the day lack of…