Mortgage Alliance Kingston Mortgage Solutions
200-654 Norris Court K7P 2R9 Kingston, ON, Canada

Looking to purchase or refinance your mortgage? Get in touch as soon as possible! Uninsured mortgages (having more than 20% equity) that get approved by June 1st will not be subject to the new stress test announced by OSFI. This means that qualifying could be easier, and it also applies to properties closing after June 1st with a signed Purchase & Sale Agreement. Reach out today.

When it comes to accessing funds for a renovation, you have options! Whether it is through refinancing, a HELOC or alternative credit products, I will work with you to see what's best for you. Reach out today.

Unlocking equity through refinancing or a home equity line of credit (HELOC) is a great way to leverage the value of your house. Refinancing allows you to access equity and possibly obtain a better interest term and rate. Whereas a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. If you are interested in exploring the possibilities available to you send me a message and we can look at your options.

Why use a mortgage broker? Choice with access to multiple lenders you can be sure you are getting the right mortgage for you. When you get your mortgage from a bank you only have access to one lender, that bank. As a mortgage broker I have access to banks, credit unions, private funds and more.

Did you know that 41% of first-time buyers use a Mortgage Broker? I specialize in helping first time homebuyers get approved. If you are ready to buy or thinking about buying, send me a message and we can find the mortgage that's right for you.

A lot has gone on this year in the mortgage market. We have had everything from rate drops to deferrals to restrictions come at us and your personal situation may have changed. As the year comes to an end, if you have not made time for your annual mortgage check-up, now is the time! Send me a message and we can review your situation, free of charge, to ensure you are getting the mortgage that’s right for you.

To best meet your needs, mortgage brokers like myself, have a wide array of products to choose from banks, private sources, independent lenders, etc. If you are in the mortgage market, we should talk. Whether you are looking to explore your options or get a second opinion, the lending options available could save you thousands!

If you are a homeowner and struggling with high-interest debt payments, we should talk. It may make sense for you to refinance and access the equity in your home to pay off your high-interest debt. Your mortgage is typically the lowest interest rate to borrow money. Refinancing to pay off high-interest debt and lumping everything into your mortgage payment could free up extra cash each month by saving you on interest. Send us a message and we can see what's available to you.

Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available. Click below for more details about factors that impact your credit score. https://www.consumer.equifax.ca//what-impacts-credit-sco/

Do you know the difference between using a broker vs the bank? A mortgage broker works for you. We have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you. If you are getting ready to buy, renew or refinance your mortgage, send me a message, it might save you thousands in unnecessary interest.

Top 3 reasons homeowners choose to refinance: 1. Take advantage of a lower interest rate. 2. Consolidate high interest debt. 3. Fund home renovations.... If you interested in exploring your options send me a message. I'm here to help and my services are free.

3 Reasons you should use a mortgage broker vs going to your bank: 1.Better Rates Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you. 2.Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders. 3.Our services are free we are compensated by the le...nder. If you have questions about your mortgage or home financing options send me a message, I'd be happy to chat.

Nearly 1 in 5 Canadians ages 18-34 say the pandemic has accelerated their plans to purchase a home or investment property. (According to a survey conducted by Scotiabank) If you are one of those Canadians who have turned their living room into an office or dining room into a classroom and are looking for more space, send me a message. Rates are at record lows and I can provide you with a free consultation so you can shop in confidence.

Renewing your mortgage is your chance to renegotiate everything relating to your mortgage with no penalties! It is important to get in touch and start conversations early so there is time to review your financial goals and determine if it makes more sense to switch your mortgage for a lower rate or even refinance to consolidate debt.

If you have a minimum of 20% equity in your home refinancing is a low-cost way to access needed money. Some homeowners are refinancing to pay off high interest debt and have one low monthly payment. While others are doing it to access funds for renovations since we are all spending more time at home. Whatever your need is, contact me for a free consultation.

Using a mortgage broker gives you access to lending options you can’t get on your own. At Mortgage Alliance we deal with many lenders, from major banks to private lending. More choices with one simple call. Contact me for a free consultation.

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional like myself will help you understand: What you can afford The downpayment you need Costs involved with buying a home... Improving your credit Prepayment options Refinancing penalties (if you decide to do so down the road) Budgeting and more! Send me a message today and lets start the conversation.

For some the answer is easy, while for others in a fixed-rate mortgage it can become a difficult and complex question when facing prepayment penalties. What we know for sure is that rates are at record lows. If you are unsure of what’s best for you, reach out. Together we will run the numbers to see what makes sense for you.

If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals. Always remember that as a Mortgage Professional I’m here to offer you unbiased advice and answer any questions you might have. Please don’t hesitate to reach out.

Rates are low and can be locked in for 90 days. If you are thinking about buying a new home, contact me so you can be ready to make an offer.

With rates being low, and expected to stay for a while, now is a great time to unlock equity through refinancing or a home equity line of credit (HELOC). Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. If you are interested in exploring the possibilities available to you send me a message for a free consultation.

We want to pay your mortgage! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or click the link below. It pays to use the right broker!... https://www.mortgagealliance.com//MortgageAllianceWinYourM

Using a mortgage broker gives you access to lending options you can’t get on your own. We deal with many lenders, from major banks to private lending options. When you are ready to renew, refinance or purchase your next home, contact me for a consultation.

Fixed or variable? How much of a down payment do you need? What is mortgage default insurance? Do you qualify for any first-time home buyer incentives? When it comes to securing your mortgage there are a lot of questions. That's where I come in. I'll help you navigate the process, present you with options, and ensure you get not only the best rate but the terms you need. Feel free to reach out with any questions, I'm here to help.

With interest rates low, and expected to stay there, now is a great time to refinance to pay off high interest debt. Use this as an opportunity to streamline your finances and incorporate everything into one payment, your mortgage. Contact me for a free consultation.