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    Home Buyers

    Welcome

    Welcome to YourLowMortgage.ca, your one stop for all of your mortgage needs. Whether you are a first time homebuyer looking to purchase your first property or an experienced real estate investor looking for financing for your next project, I can help. I provide my clients with exceptional customer service as well as competitive mortgage rates.

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Do You Have Poor Credit?

I work with several lenders that specialize in lending to individuals with challenging credit situations. I will find you the best mortgage solution as well as offer guidance on improving your credit situation and putting you back on the path to financial success.

I can also arrange a convenient personal line of credit at very competitive rates secured against your residential property to consolidate your high interest credit cards and put money back in your pocket each month.

    Debt Consolidation

    Have you hit a credit crunch? High interest debt on credit cards can create a lot of stress. If you are finding there is more month than money, then perhaps it’s time to review your debt situation and consolidate your high interest debt into one low manageable monthly payment. Stop losing sleep, call or apply online now.

    Equity Take-Out

    If you have been living in your home over the past 5 years, you have probably had your net worth increase by a substantial amount. The problem is that net worth is not very liquid.

    If you are ready to invest in your own small business, or you need to fund your daughter’s university tuition, your home equity can be a ready source of cash to finance your dreams. Call or apply online and I can discuss a plan to get your plans moving today.

    First Time Homebuyers

    Are you a first-time buyer? The residential property you are about to purchase is probably the largest single purchase, and biggest investment decision you have had to make in your life so far. Let me help you through the confusing maze of lender options, mortgage documentation, and terminology you are dealing with as you work your way through this process.

    We will provide a mortgage pre-approval, which strengthens your position when negotiating the purchase price of your home. Call or apply online now, and I will get the ball rolling for you.

    Self Employed Homebuyers

    Owning your own home does not have to be more difficult just because you are self employed. I have several products to offer self employed, commissioned sales people and other unique income situations. My knowledge of Canadian mortgage products as well as government housing programs ensures I will find the right mortgage for you.

    I can also help you access the equity in your home to help build your business. All it takes is a phone call!

Featured Articles

featuredimage Featured Property #1

8 WYTHENSHAW WOOD - TORONTO, ONTARIO Listing Price: $549,900 Agent Contact: Janis Evanoff 416-266-3339 MLS# E1732472 DESCRIPTION: Entertainer's Dream Home! Urban Living At Its Finest! ...

featuredimage The ABC’s of Mortgage Insurance

One of the biggest roadblocks for first time homebuyers is saving the downpayment. With the burdens of paying rent, student ...

featuredimage Mortgage Life Insurance – Protect Your Investment

I find it difficult to explain the benefit of mortgage insurance to my clients. Most clients do all they can ...

Rates

Variable VS Fixed Mortgages

One of the main considerations when getting a mortgage if whether to lock in your rate or choose a variable rate mortgage. I always educate my clients on the pros and cons of each mortgage type and then help them make a decision that will be best for their financial situation and risk profile. I have mentioned before that historically a client you chooses a variable rate will be better off in the long run.

Home Buyers

5 Hotspots for First Time Homebuyers in The GTA

CMHC senior economist for the GTA talked about hot areas for first time buyers in the GTA at yesterdays conference for the Canadian Association of Accredited Mortgage Professionals

Mortgage Tips

TD Bank Lists 5 Tips For Women Homebuyers

A recent survey conducted by TD Bank hi-lite five key things women wished they considered while purchasing their home and looking for mortgage financing. These five tips are applicable to all home buyers and not just women.

News

Flaherty Tightens Mortgage Lending Criteria in Canada

Today Finance Minister Jim Flaherty announced new mortgage lending regulations for Canadians. Although he stopped short of decreasing amortizations and increasing required down payments as was rumoured, today’s changes will affect mostly affect real estate investors and those who might be on the edge of affordability. It remains to be seen how much of an impact these changes will have in the Canadian mortgage market.