Element Mortgage Group

We'd love to hear about your spring renovations? Share and emoji below if you have a: Big Reno Small Reno Nope, happy with my home

Has working from home made you reconsider how you use your space? Need a home office? Maybe a basement play room? If you want to to discuss how to incorporate a home renovation into your budget, we can help you! reach out to us today!

A lot can happen in a year. If you own your own home and are concerned you might owe a large tax bill this year, reach out now so we can help review your financing options.

You are about to make one of, if not, the largest purchase of your life. You need a realtor by your side who actually cares about you...not the sale. A realtor who truly knows the neighborhood you would like to purchase and understands your needs. They also have to have the negotiation skills to get you the best price whether your are buying or selling. Don't know where to start? Ask friends and family who they recommend. Interview a few before making up your mind. And don't forget to reach out to us if you still need help finding a realtor. We are happy to help!

https://www.elementmortgagegroup.ca//changes-coming-to-the

Santa parade this Sunday... https://www.facebook.com/112561918807210/posts/3799744086755623/

Check it out... https://www.blogto.com//toronto-join-worldwide-bell-ring/

Bank of Canada meeting schedule for 2021 released. If you have a variable rate mortgage or a HELOC these are the dates where a change up or down could affect you.

Do you want more options than just one? Give us a call... we are happy to chat about what is going on in the market with many lenders.... if you have a mortgage coming up for maturity a phone call can cost you nothing but potentially save you thousands!

Perfect day for getting curbs at our future home....

https://www.elementmortgagegroup.ca/singl/fixed-vs-variable

We are so greatful to share that our team has won 2 readers choice awards. . Thank you to our amazing clients and business partners for trusting us with their mortgages & a big congratulations to our amazing team!

We have some big news coming... in a couple weeks our possible lender list for our clients if going from 57 to 58... we love that we are adding another bank to our list... any guesses which one?

Why is Canadian Real Estate still strong through the pandemic? Here is some good perspective on what is going on.... https://ca.finance.yahoo.com//editors-edition-why-covid-19

Thank you for choosing us Durham Region! Element Mortgage Group has been nominated for Readers Choice Award for Best Mortgage company in Whitby/Oshawa, Clarington and Ajax/Pickering. Please take a moment and vote for us if you think we deserve the nomination! Whitby/Oshawa https://www.durhamregion.com//su/mortgage-company-services Ajax/Pickering https://www.durhamregion.com//su/mortgage-company-services... Clarington https://www.durhamregion.com//busin/element-mortgage-group We are especially proud of our nomination in Whitby/Oshawa for business that gives back to the community https://www.durhamregion.com//business-that-gives-to-commu

Who wishes they were on this list right now? https://toronto.ctvnews.ca//this-toronto-home-is-selling-f

This is teambuilding beautiful weather amazing views Lake Ontario smooth as glass... avoided the rain Thank you to our incredible captain Andrew. What an amazing day of scenery and quality time with the amazing members of our Element crew!

Not trying to get political but were we the only ones hoping this meant Carney was coming back? https://apple.news/Ah2kozwuFQY-x7CE2xFWa4A

Low interest rates are here to stay for a while https://mobile.twitter.com/BNNBloomb//1283427565793927168

Heres a sneak peak at our future home...

Today we did a walk-through in our new office space. We cannot wait to have this beautiful space to zoom with clients . . Hopefully face time face meetings will be in style by the time construction is done. Thank you Stephanie for making our workspace goals come true! . And thank you KSN Professional Rendering & Design for your incredible design and patience with us!

Our website has a clean new look. Check it out at www.elementmortgagegroup.ca

Do you want to know more about reverse mortgages? . We work with both companies that provide this type of product in Canada (that is right there are only 2.... did you know in the USA there are 308....because we have less people & also becuase our banking is very very regulated). . Anyways, if you have questions please let us know, this might be a good product for someone who just needs a little money out of their home but doesn't want to make monthly payments. https://betterdwelling.com/canadian-seniors-raiding-their/

What are you doing to beat the heat?What are you doing to beat the heat?

This was our video of being nominated for New Business of the Year last year at the Whitby Chamber of Commerce Business Achievement Awards. It was such an honour to be nominated for this award. Plus it was a lot of fun making this video too!

WOW.... we are honoured to share with you that Element Mortgage Group has been selected as a FINALIST in the Best Newcomer - Brokerage for our national industry awards Mortgage Awards of Excellence . Thank you so much to our amazing Agents & Brokers who make this the best team to work with! You guys are rockstars & this is all because of you. . also a huge thank you to our clients who trust our experts every day to help them with their mortgage renewals, refinances and home purchases. We appreciate your faith in us and are so excited to share this achievement with you.

no decrease in pre-approval criteria by Genworth so far.... this is good news for Canadians looking to buy http://investor.genworthmicanada.ca//Genwort/default.aspx

If you have questions please reach out. Our team would be happy to answer your questions about what the changes will mean for you.

If you need someone to go through all the fine print so this doesnt happen to you please reach out to an amazing member of our team. This is a huge part of what we do so that you dont get caught in the fine print by your lender! . https://www.google.ca/amp/s/www.cbc.ca/amp/1.5588741

Here is a great activity to do with the kids on a rainy day..... the Covid-19 time capusle. We would love to see what your kids write & draw!

If you have questions about refinancing we are here to help. You don't have to be our client, if you are just having a hard time getting through to your bank... we have always been able to work virtually & can discuss the pros/cons if you have questions. https://torontostoreys.com/canadians-refinancing-mortgages/

One of our Mortgage Brokers was interviewed about rates by the Toronto Star. Here is what she had to say: https://www.thestar.com//as-the-central-bank-rate-plunges-

If you have questions about how your lender will work with you in the event that you need some payment relief/assistance in the coming weeks we are happy to call customer service and see what options are available to you. We expect that lenders will aim to work with their clientele in these challenging times. In case you wanted to call yourself here are the phone numbers you might need for customer service for each lender: ATB 1-800-332-8383... B2B 1 800 263 8349 BMO 1-877-895-3278 Bridgewater 1-866-243-4301 CIBC 1-800-465-2422 CMLS 1-888-995-2657 Optimum 1-866-441-3775 Equitable 1-888-334-3313 Connect First 403-736-4000 Chinook Financial 403-934-3358 First Calgary Financial 403-736-4000 First National 1-888-488-0794 Haventree 1-855-272-0051 Home Trust 1-855-270-3630 HSBC 1-888-310-4722 ICICI 1-888-424-2422 Manulife 1-877-765-2265 MCAP 1-800-265-2624 Merix 1-877-637-4911 Marathon 1-855-503-6060 RBC 1-866-809-5800 RFA 1-877-416-7873 RMG 1-866-809-5800 Scotia 1-800-472-6842 Servus 1-877-378-8728 Street Capital 1-866-683-8090 TD 1-866-222-3456

Food for thought... please reach out with all your how does this affect me questions https://betterdwelling.com/canadian-household-borrowing-r/

If you have questions advice is always free https://www.bttoronto.ca//what-to-consider-before-buying-/

we are so proud of our Mortgage Architects Presidents Awards Winners . A HUGE congratulations to Andrea Jolly (our Principal Broker & Managing Partner) & Denise Laframboise (our other Managing Partner) for their achievements in 2019 . We are so proud to have award winning brokers mentoring our team members. Thank you for all that you do ... . . . . #mortgage #mortgagebroker #mortgagebrokers #mortgagebrokerlife #mortgages #mortgagespecialist #ontario #toronto #whitby #oshawa #ajax #pickering #bowmanville #uxbridge #portperry See more

Here is a great video of Paul Taylor explaining what the new stress test changes mean that are coming in April 2020 and what Mortgage Professionals want. https://www.bnnbloomberg.ca//mortgage-rate-easing-doesn-t-

We are pretty excited to share that Denise Laframboise (one of our managing partners) has been selected as a finalist for a Canadian Mortgage Award . We know we have an amazing and supportive team of rockstars... but it is pretty cool when stuff like this happens and we find out the industry knows our people are awesome too! . Congratulations ... . . . #award #awards #awardseason #mortgage #mortgagebroker #ontario #yyzmortgage #yyzmortgages #yyzmortgagebroker #toronto #ontario #whitby #oshawa #uxbridge #ajax #pickering #courtice #bowmanville #scarborough See more

Why would someone want to work with us? Besides the access to more lenders and convenience of transaction... the big difference we hear is knowledge. . We like to put clients in the drivers seat to make the decisions that are best for their family & most of our clients tell us this feels different than their mortgage transactions in the past. . Want to learn how to pay less in interest to your mortgage lender? Then lets talk!... . . . . . . . . . . . . #mortgage #mortgages #mortgagebroker #mortgagebrokers #whitby #oshawa #uxbridge #ajax #pickering #toronto #markham #newmarket #bowmanville #newcastle #scarborough #northyork #realestate #property #broker #ontario #home

IF you are considering this let's chat. There are a lot of things people don't know about bankrupcy & consumer proposal that they need to know BEFORE they enter into an agreement. If you have equity in your home a refinance might be a better option to make a plan and attack some debt. https://betterdwelling.com/canadian-insolvencies-rise-to-/

Women's Day 2020 at Greenwood Farm! Please click the link below to purchase your tickets to this very worthwhile event benefiting Victim Services of Durham Region. Hope to see you there.

We have been waiting patiently to see this beautiful building and the future office of Element Mortgage Group . It will be a few months to move in day but we wanted to share this exciting news with our friends. . 2020 is going to be an amazing year with amazing neighbours Humphrey's Boutique Brooklin (we are saving up because being beside you means buying all the clothing), lol. Thank you Stephanie Humphrey & Cathi Westrop... . . . #comingsoon #newoffice #2020 #bestteamever See more

We are really excited to be new members of the CFIB . It is important to be involved in the business community and up to date with the issues that affect us . We are excited to be among your membership at the Canadian Federation of Independent Business... . . . . . #entrepreneur #entrepreneurlife #smallbusiness #smallbusinessowner #advocacy #involvement #canadianbusiness See more

Violation of privacy or good measure to keep people safe? https://www.cbc.ca//rental-inspection-reports-public-1.521

it is almost here.... https://torontostoreys.com/nordik-spa-whitby-sets-opening/

Does a home ever make you think "how many people are we allowed to pool together on title?" https://www.narcity.com//canadian-castle-for-sale-is-dolla

Oh dear... FYI... our reviews are less in number.... but all real.... https://www.forbes.com//purplebricks-canada-offered-empl/

This makes us sad. If you have questions that have gone unanswered PLEASE reach out. Our advice, service & consults are FREE to anyone. You deserve information about one if not the biggest financial decision of your life https://www.macleans.ca//in-the-1-6-trillion-mortgage-ma/

Durham Region Zero Waste had this great list of where things can be recycled. We trying to be mindful of keeping as much out of the trash when we can. Do you have a great upcycle or recycling tip?

Dear friends who still have these barely together in their wallets... it is actually going to be over soon. https://www.google.ca//ontario-sets-official-end-date-/amp

https://www.elementmortgagegroup.ca//What-can-I-use-for-a-