Let's secure your future today. Talk to our Mortgage Expert!

  • Call Us: 416-710-3239
  • Mail Us : pkalsi@mtgarc.ca
  • Call Us: 416-710-3239
  • Mail Us : pkalsi@mtgarc.ca

  • 2120 Matheson Blvd East, Suite 201,
    Mississauga, Ont, L4W 5E1

  • Mon - Fri: 9 am - 5 pm,
    Sat: By Appointment , Sun : Closed

2023 September
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Advantages of a Pre-Approval

Getting pre-approved can be a vital step to the home-buying process! But don’t confuse this with pre-qualification; you can get a pre-qualification through the My Mortgage Planner app to determine what you might qualify for. Pre-approval, on the other hand, means that a lender has stated (in writing) that you do qualify for a mortgage and what

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Should You Go Fixed or Go Variable?

It is typically one of the first questions someone asks when talking about your mortgage: What’s your rate? While everyone can recall their rate off the top of their head, it tends to be the only detail of the mortgage they can remember. Although the rate is important, your mortgage is so much more than

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Up or Down-Sizing? Get Yourself Mortgage Ready for a Move This Spring!

Moving homes can be triggered by a variety of things, but the most common reason is space…not enough, or perhaps a little too much. At some point, the place you thought was your forever home may not meet your needs any longer. If you are growing your family, perhaps your current digs are bursting at

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What You Need to Know Before You Buy

Spring is one of the busiest seasons for retail activity as the good weather gives people lots of time for decluttering, showing the home, garage sales, packing and moving into your new space! Buying a home is an extremely exciting and fulfilling adventure, but before you get started let’s go through some of the most

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Mortgage Insurance and Your Borrowing Power

As a Canadian homebuyer or homeowner, your borrowing power is impacted by a few factors. Recent changes to the lending policies announced by CMHC, The Bank of Canada’s qualifying rate and your banks’ Prime Rate and mortgage stipulations are all things to consider when thinking about purchasing a home. If you have less than 20%

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To Defer or Not to Defer

With Canada’s major Mortgage Finance Companies (MFC’s) and all six big banks offering mortgage deferrals of up to 6 months, as well as case-by-case options from credit unions, one of the major questions currently facing Canadians amid COVID-19 is do you defer your mortgage? To help you with this decision, we have gathered some important

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What Your Banker Won’t Tell You!

Did you know the biggest difference between getting your mortgage from a bank vs. a mortgage broker is that the bank only has access to their products, while your mortgage broker has access to hundreds of different lending institutions and mortgage products to fit your unique needs? Here are a few things to keep in

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Determine Your Monthly Budget

It’s easy to get overwhelmed when thinking about your finances, especially if you are saddled with debt. The best way to determine your monthly budget is to start by recording your total monthly income for the family and your total monthly expenses. To make these easier to review, it is ideal to break out your

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5 Mortgage Tips To Help You Afford A Home

Here are some helpful solutions for those looking to get into the market. 1. Take a step outside of the downtown core. Typically, property right in the heart of the city is more expensive due to the location and the continued demand. Stepping out to one of the outlying suburban areas can offer more affordable options

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What to Know if You’re New to Canada

Canada has seen a surge of international migration over the last few years. With all these new faces in town wanting to plant roots in this great country, we wanted to touch base on some of the details surrounding mortgages and how new immigrants can qualify to be homeowners. If you are already a Permanent

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