Invis & Mortgage Intelligence
5770 Hurontaio St, Suite 600 L5N 0B3 Mississauga, ON, Canada

To better serve our brokers and their clients’ insurance needs, Simplinsur has realigned their sales team. Kate is your liaison for Eastern Canada and Jacqueline is taking care of Western Canada. Simple! Effective! Michelle Kelly remains part of the Simplinsur Team but will be focusing on our friends at TMAC. Please get in touch with either Kate or Jacqueline if you have questions, need training, or simply want to get to know them better. They are here for you!

A reverse mortgage can be a tremendous financial solution, allowing you to access your equity while you always maintain ownership of your home and never have to move or sell. No mortgage payments are required and you can receive your tax-free cash over time or in one lump sum. There are many reasons to tap into home equity: * pay off your mortgage and any other debts... * help manage ongoing bills like property or income taxes * provide a financial cushion * purchase a second home or start a business * renovations or large unexpected expense Get in touch with your Mortgage Broker if you want to explore these financial benefits.

Inspiration for the weekend!

Some insights into what may be instore for the next twelve months, here - https://www.bnnbloomberg.ca/real-estate-optimism-blows-past And here - https://www.mortgagebrokernews.ca//what-are-the-emerging-t

An annual mortgage checkup is an important steppingstone for long-term success. It will help make sure you’ve: determined if you can take advantage of today’s ultra-low pandemic rates; looked at maximizing your mortgage principal reduction; consolidated debt for one manageable payment, improved cash flow, and interest savings (if you have enough equity); and, ... accessed the lowest-cost funds for large looming expenses. Make sure your mortgage incorporates what may be ahead: it could pay big dividends and is the best way to get you where you’re going in your financial future. Book a consultation with your Mortgage Broker today!

Here's to all the amazing women in the mortgage industry! We are so thrilled that Invis MI is so well represented in this year's Canadian Mortgage Professionals CMP 2020 Women of Influence. Congrats to our broker trailblazers Debbie Belair and Marg Green for paving the way, leading very successful teams, and mentoring so many top brokers. We are so appreciative of everything they have done to further our industry for the benefit of all of us. We also showcase the incredible... bench strength at Invis MI. Congrats to Barb Morgan (recently retired!) and Susan Thomas for recognition of their industry leadership, exceptional broker support and recruitment of new brokers to the company. And to Kelly Neuber for her impressive job leading our marketing efforts corporately and for helping our broker partners stand out in their local markets. Well done, we are so proud of you all. Invis MI strong!

Southwestern Ontario! Thank you goes out to these wonderful brokers who have given us such a strong presence in this region. Mortgage Intelligence has great brand recognition in Windsor and Sharron Carr is part of the reason why. We love her laugh and fun sense of humour. Bonnie has been a stalwart for us in Sarnia and we so appreciate her strong presence in that city. In London we thank Bill for his long term service with us after his banking career. We appreciate Rose for... her strong support of our icare program and for achieving one of our biggest commercial deals. Janine has been a consistent top performer and usually works partially from Mexico, so we hope along with her that we get back to some normalcy in 2021. Thank you all for keeping us Southwestern Ontario strong!

Invis MI is so strong in the Kitchener Waterloo market thanks to these four leaders! We love Dean for his sense of humour about life and business. Donna has done a wonderful job mentoring her own daughter Shannon to top producer status and enjoys her grandkids in Canmore. Jon is super busy at work and at home with 4 kids and his martial arts. Jennifer has built a successful business working with financial planners and enjoys time with here 2 grandchildren. We also thank D...onna and Jennifer for their help on the KW Angels in the Night Committee. Your time and efforts are so appreciated. Big thank you guys for your dedication and commitment.

Great new tools coming to #MortgageBOSS for our brokers! Register for a live demo to see them in action https://calendly.com/m3-tech-momentum2020/

Let's keep our momentum going and get closer to our goal. Only 3 weeks left. Thank you to everyone who has contributed so far. If we reach $100,000, Invis MI will top us up to $110,000 so your contribution goes further. Donate here https://bit.ly/3myNJRY and at checkout you can designate the city where you'd like your donation to go. Thank you for being an Angel for those in need!

Were so grateful for our many long-term GTA brokers and today thanks goes out to these four wonderful gentlemen. Ellie, Pat and Jeff we congratulate you on your success, love your easy going natures, and so appreciate your loyalty and commitment. And we recognize Doug as our longest standing Hamilton broker! Many thanks for your dedication to your clients and to Invis MI!

For some their mortgage deferrals are ending, others are still considering. Are you wondering about the impact on your credit score, or what your payments will be after the deferral period? Get in touch with your Mortgage Broker for answers to all your mortgage deferral questions or for whatever is on your mind this Fall.

Barb Morgan IS RETIRING! We are sending a very warm congratulations to Barb on her stellar career in the financial services industry and especially for her major contributions to Invis MI. As VP of Eastern Canada, Barb recruited many outstanding brokers and added so much business value to the brokers in her regions. Her experience and insight have been invaluable to Invis MI and every department thanks Barb for her support, guidance and feedback. Aside from Barbs wisdom, well certainly miss how her extra touches made meetings and events so perfect and for sure her ability to coordinate an outfit and make a big presence in any room. Barb you have made us and the company better, and for that we thank you. As one chapter ends, another begins and we know you have so much to look forward to. We couldnt be happier for you ENJOY!

ALBERTA! Its time to recognize our long-standing brokers who have shaped our Alberta presence. Sue Black-Garland of course has always played an important role for us whether as a broker or staff member, and we love how she has helped with our Angels in the Night. Cam has always attended our events and is now part of a dynamic duo with his son Darren. Heather is our Mortgage Intelligence broker in this group and we thank her for being our DI for Alberta. Kevin has also been a fantastic team player and supporter of the company and we appreciate his assistance with our past Stampede events. Thank you guys for your tremendous support of the company and for long-time dedication and commitment. Go Alberta!

The Bank of Canada announced today that it is keeping its benchmark rate at 0.25%. It is expected that the Bank will keep this rate unchanged well into 2022 to aid our economic recovery. The Canadian economy is in recession with negative GDP growth (although forecasted to be positive in 2021), inflation is at zero, the Canadian dollar relative to the U.S. is stabilizing around $.76, oil prices are hovering around $43 U.S./barrel and unemployment is currently at 10.9%, a marke...d improvement from last month. Low interest rates, tightened housing supply, immigration of approximately 250,000 in 2020 despite Covid-19, and pent up demand for housing have, in the last several months, boosted both unit sales and the average home selling prices in the Greater Toronto Area, Vancouver, Ottawa and Montreal areas but showed a slight decline in Calgary. Cam Strong, CEO of Invis Mortgage Intelligence says The service sector principally tourism, accommodation, food services, arts and entertainment will continue to face many hardships. Canada, being an oil producing country, will be slower to recover economically than other G7 countries from the Covid crisis due to low oil prices and a drop in demand with the decline in commuting and airline transportation. The good news is that a vaccine, already pre-ordered, could be available as early as spring 2021 and our technology, financial, housing, public sector infrastructure projects and manufacturing sectors are performing well and leading the way to recovery. Unemployment has been forecast to rebound to 7.5% by end of 2021. Canadians have record high mortgage and consumer credit debt of $2.5 trillion according to Statistics Canada as of August, 2020 however, thanks to the Bank of Canada, the servicing costs on this debt is now lower. The next rate-setting day is Wednesday, October 28th. With this stable, low interest environment its never been a better time for qualifying homeowners to refinance to save interest costs and protect their credit scores if they have fallen behind on payments during COVID. Always get advice and a personal assessment of your situation if you need a new mortgage or want to change your current mortgage strategy.

Its interesting how this debate changes over the course of the year. In the spring lenders erased discounts from prime causing variable rates to go up even though prime was dropping. Discounts are now back making variables competitive again, although fixed rates are at some of the lowest levels weve ever seen. With such low fixed rates, is it important to take the reassurance of a fixed rate in an uncertain future? Not always. It depends on your situation. More Canadians ...end up breaking their mortgage at 3 years than they think they are going to when they first get their mortgage. Life just happens. If there is a chance you may break your mortgage, variables have advantages over some fixed rate mortgages. There are other factors to also consider. The best course of action is to always get advice from your Mortgage Broker and make sure your mortgage, fixed or variable, fits your situation and long-term outlook.

Have a great one!

Wow so many 20-year veterans! Congrats and thanks goes out to these four wonderful long-standing brokers. Don and Steve we so appreciate your loyalty and commitment and wish you all the best. Fred is well known for being a very strong alternative lending specialist and received the CMP Best Alternative Broker award in the only year he entered. Phil is a lifelong resident of Trenton and has very successfully grown his brokerage into a family business with a fantastic future. Many many thanks guys for your dedication and commitment!

It is such a pleasure to congratulate and thank Sabrina Gomes on her long-time service to Invis MI. Sabrina always says our brokers, our pride and that comes right from her heart. She loves our brokers and company and everyone loves her back! Sabrina manages our Broker Resources and Licensing and is always available and helpful when needed. She is extremely conscientious and hard working. Thanks so much Sabrina, you are a gem!

The recent shock to the economy has had many Canadians thinking seriously about what their life might look like after their paycheques stop. Even if you have a workplace pension plan to look forward to, you may find it falls short of the income youd like to live on. Is it possible to take your pension into your own hands and create sustainable long-term income? An investment property has the potential to provide a monthly income and grow your wealth over time. And this is a wealth-building strategy that is within reach of ordinary Canadians. If you are thinking about an investment property, get in touch to have all your questions answered.

A big thank you goes out to these 4 BC Invisians on their long-time service to the company! Theresa we so appreciate your loyalty and commitment and wish you all the best. Hein is one of our top-producing Island brokers and we love his sense of humour and fun nature. Erik is well known for being laid back and having an extremely loyal client base. And of course we thank Francine for tremendous support of the company and wish her much happiness. Many thanks to all of you!

Making a difference! <3

Broker feedback has been incorporated making Smart Views even more powerful!

The process of qualifying for a mortgage should begin before you buy a home. Start with a conversation with your mortgage broker for advice on downpayment, determining what you can afford, understanding all of the costs involved in buying a home, budgeting, improving your credit, advice on mortgage features beyond rate like prepayment options, refinancing penalties, restrictions and more. Early advice can save time, money, and stress! Get off on the right foot in your homebuying journey!

A big thank you goes out to four wonderful brokers for their very long-standing commitment to Invis MI. Peter and Tony are both enjoying life and mostly assisting old clients who still reach out to them. Andy and Barb are unique in their businesses since they are also Financial Planners, allowing them to offer a wide range of services to their clients. Many thanks guys for your terrific dedication to your clients and Invis MI!

We are so pleased to welcome Angela Baggio as our new Regional Manager for Southwestern Ontario, further bolstering our already strong Ontario Team. We love that Angela already knows many of our brokers from her 12 years as a Business Development Manager with Genworth. Angela has also been a Mortgage Broker so she knows this business from many angles, She most definitely will be a great asset to her brokers and help us grow the company in her region. Angela is experienced, knowledgeable, motivated and cant wait to get started! Please join us in welcoming Angela to the Invis Mortgage Intelligence family. She can be reached at [email protected] or 519 546 7481.

Today we are thanking our long-standing and top-producing brokers in our West Broadway Vancouver office - Patrick Mulhern, Rob Regan-Pollock and Ajay Soni. Patrick is very dedicated to Invis and has exceptional relationships with his clients. Both Rob and Ajay have made excellent contributions to furthering the mortgage industry through their involvement in many industry and government associations. We also want to give a big shout out to Morris Altman who recently retired... and was part of this great West Broadway gang. Congrats to a terrific group of Invisians and thank you for your dedication and commitment!

First-time homebuyers - dont leave money on the table. Take advantage of the programs and incentives offered by the federal government that can help you achieve your new home.

We are so pleased to announce that Melissa Forbes has recently joined our Access Desk. Melissa brings proven mortgage experience as both a Bank Mortgage Specialist and Mortgage Broker. She has a very strong customer care mindset and is very motivated to help our brokers efficiently complete their deals. The Access Desk is your way to get lenders status rates and their dedicated underwriters, which typically requires sign up and minimum volume agreements. Please join us in welcoming Melissa to the Invis Mortgage Intelligence family! She can be reached at [email protected] or 905.283.3313.

Lets see your summer charcuterie boards! #invismicelebrates

#invismicelebrates

Intuitive on-screen validations in BOSS not only notifies you that info needs to be fixed it tells you exactly what you need to update for successful submission.... BOSS 5.1 saves you time and sets you up with a clean database for future opportunities. Have you logged into the new BOSS yet? Your all-in-1 software solution. #Technology #Innovation #MortgageBrokers #M3Group

Were heading back out to Southwestern Ontario to once again congratulate our long-time brokers - Ian Brownlie, Laura Lesperance, Michelle Pace - who began their careers with predecessor company Jordan Mortgages. Ian wow 25 years! We enjoy Ians laid back approach and his love for golf. Laura has carved out her own successful business after being introduced to brokering by mom Barb Craig who was the Broker of Record for Jordan. Both Ian and Laura are in Windsor, while Michelle is a London broker where she is a top hockey mom for her teen son. Thank you all for your dedication and loyalty to Invis MI!

With the major Banks lowering their posted 5-year fixed rates, the qualifying rate will drop to 4.79%, which makes it slightly easier to qualify for a mortgage! The qualifying rate is used in stress tests for both insured and uninsured mortgages, and a lower rate is good news for anyone who needs a new mortgage homebuyers, those looking to refinance or renew their mortgage at a different lender for a better deal. Get in touch to see how much you qualify for!

Every company has their "rock" and for Invis MI that is Chantal Mair! Chantal wears many many hats with us, did we say "many"? She takes care of all our events, handles payroll for us and other sister companies, hires and arranges for training of all staff, manages our premises, is the HR head for the company, is taking on an increasing number of key operational projects, and much more! And Chantal has great relationships with our brokers and other partners. Thank you Chantal for all you do. We appreciate your long-term service and your ability to get the job done!

What does this picture have to do with our 20th anniversary celebrations? All we can say is we love our one-of-a-kind brokers and stay tuned! #invismicelebrates

Were heading to BC to congratulate Rob Hafer (Victoria) and Monica Peckford (Sunshine Coast) on their 19 years with the company! As you might expect, both enjoy an easy going BC lifestyle. Rob was a Regional Manager with us for many years and now is a Broker with a team in Victoria. We all love Robs sense of humour and deep knowledge and insight on mortgage products and strategies. Monica while in a remote location has always managed to stay in touch with us and attend events. Thank you both, we so appreciate your commitment, dedication and loyalty

We are so proud of our long history of success and the value we bring to Canadians every single day!

We are kicking August off with a big congratulations and thanks to our CEO Cameron Strong for dedicating 20 great years to Invis MI. So many wonderful memories since becoming CEO. Thank you for your tireless support of our brokers, staff, and industry partners, and for inspiring everyone to give their best. Heres to celebrating the next successful chapter together! Invis Mortgage Intelligence - Powered by scale/Strengthened by Relationships!

We are always finding ways to say YES! to our homebuyers and homeowners. Working with over 50 lenders, including the major banks, credit unions, national, regional and private lenders, we have mortgages that can meet you where you are financially, giving you the options you need to achieve your goals for homeownership and financial security. We work with all Canadians first time buyers, new to Canada, renovation enthusiasts, trade up buyers, renewers, seniors, investors..., vacation home purchasers, and those who need to refinance to consolidate debt or take out equity for a specific goal. Whats your need?

Jason McKague and Connor Green congrats on making this years CMP Rising Stars - the top young talent 35 years and under! Wow so impressive. Jason in Barrie and Connor in Mississauga have developed strong client relationship and business-building tactics, propelling them to big success. Good luck guys, the future is so bright and we are so proud of you!

Thank you goes out to two fantastic brand champions Rasha Ingratta with Mortgage Intelligence in Windsor and Mario Sita with Invis in Burlington - both top producers and stalwarts for our brands! Rasha embraced internet marketing well before most brokers even considered this as a business-building opportunity. She has actively learned google to the point that she knows more than many who are google certified," allowing her to maximize google for awareness, brand building ...and new business. Now Rasha has one of the strongest internet and social media driven businesses in the industry. Rasha was also our top performer in 2019 for protecting her customers with important life, disability and critical illness insurance. Mario has been a strong long-term presence for us in the Burlington marketplace. He has been a very big supporter of the company and staff in all aspects and we have appreciated his opinion and help moving the company forward. Mario has been a consistent top performer and has primarily built his business through strong relationships with his clients and centres of influence. Thank you Rasha an Mario for your loyalty, dedication and commitment to your clients, and for being such great brand ambassadors!

Inhale. Exhale. And enjoy!

Jordan Mortgages, a strong regional SW ON brokerage, was one of our predecessor companies, merging in with 4 others to create Mortgage Intelligence in 2000. Both Garry Yakovlev and Deenie Stuebing started with Jordan and have greatly contributed to our very powerful presence in Windsor. Garry is one of the nicest guys youll ever meet and has mastered working on his own, handling strong volume without the support of a team or assistant, a rarity in our industry. We love that... he always says "thanks" and is happy to lend a hand when needed. Deenie is known for her exceptional relationships - with her clients, with the members of her strong team, and with her lender partners. We love Deenies warmth and thank her for the hard work she has put into our Angels in the Night Homeless Shelter project, which has been able to help several shelters in the Windsor area. Congrats Garry and Deenie on your success and thank you for your loyalty, dedication and commitment.

Invis Mortgage Intelligence is thrilled to announce that Scott Wittrup has joined the team and is ready to go! We couldnt be happier that so many of our brokers already know Scott from his days as our Wealthline BDM and consider him a favourite! He also has the perfect personality for our easy going team in Atlantic Canada. Scott has of course considerable lending experience but has also been a broker himself, which positions him perfectly to help his brokers build their businesses, and recruit new agents to his regions. Scott is passionate about our industry, results-oriented, fun, and an early riser! He can be reached at [email protected] or 416.904-5534. Please join us in welcoming Scott to the Invis Mortgage Intelligence family.