Cindy Nichol
Dufferin and Rutherford L4J0C1 Thornhill, ON, Canada
Category
General Information
Locality: Thornhill, Ontario
Phone: +1 416-846-2292
Address: Dufferin and Rutherford L4J0C1 Thornhill, ON, Canada
Website: mortgagesbycindy.com/
Likes: 186
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Most Canadians suffer with their highest personal debt load in January when holiday spending credit card statements arrive. You may be able to use your home equity to consolidate that high-interest debt (20% equity is needed) into your mortgage. With our extremely low pandemic mortgage rates, every month you could be seeing a big difference: a boost to your monthly cash flow, one easy payment, faster debt paydown, and potentially thousands of dollars in interest savings. I can crunch the numbers to see if this makes sense for you. It could be the start of a new financial life!
There are some common pitfalls among many first-time buyers who don’t seek out professional advice and guidance. When you work with a Mortgage Broker, you get the education you need to make informed decisions throughout the homebuying process. Knowledge is power and it’s best to get that knowledge as early in the process as possible. Are you getting ready to jump into homeownership? Let's have a conversation to make sure your experience is efficient, cost effective and, above all, successful!
If you need help polishing your score so you can qualify for the best rates, get in touch.
The Bank of Canada has announced it is maintaining the benchmark rate, noting that Canada’s economic recovery will continue to require extraordinary monetary policy support. The Bank says it will hold the policy interest rate at the effective lower bound until economic slack is absorbed so that the two per cent inflation target is achieved, which the Bank doesn’t expect to happen until sometime in 2023. The next rate-setting day is January 20th, 2021. The beginning of the new year will be a great time to get in touch for a review of your mortgage strategy. It's important to get advice and a personal assessment of your situation if you want to switch your mortgage for a lower rate, need a new mortgage, are renewing or looking to refinance for debt consolidation, renovations or other large expenditures.
Your mortgage renewal is an opportunity to save thousands. Don't sleepwalk through it! Get in touch early so we can discuss all your options!
Don't become a victim of fraud
What's the first thing you should do when you get your mortgage renewal? Get a second opinion! Regardless of how loyal you are to your bank, they still may quote you a non-discounted rate. And even if they offer you a better rate when you question it, is that how you want to be treated? ... It just makes good common sense to get a second opinion so that you can make sure you are getting the best deal possible. At renewal, you can renegotiate everything pertaining to your mortgage with no penalties which means this is an important moment of opportunity. If your renewal is coming up in the next 9 months, get in touch!
What is the first thing you should do when you get your mortgage renewal? Get a second opinion! Regardless of how loyal you are to your bank, they still may quote you a non-discounted rate. Even if they offer you a better rate when you question it, is that how you want to be treated? Regardless of who your lender is, it just makes good common sense to get a second opinion so that you can make sure you are getting the best deal possible. At renewal, you can renegotiate every...thing pertaining to your mortgage with no penalties which means this is an important moment of opportunity. If your renewal is coming up in the next 9 months, get in touch with me and let's go through your options.
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