Leslie Joy Cairns
2852 Calgary Trail NW T6J 6V7 Edmonton, AB, Canada

Are you thinking of purchasing a rental property? Here are just 2 ways! - The first is having a rental suite in your home. This is usually a basement suite or garden suite. You can be approved for a mortgage of this type of property for as little as 5% down, since you also occupy or live in the property as well. - The second is a property you will not live in. This you can achieve with 20% down.... Both are a great way to bring in extra income. Comment below with which type rental property are you looking to invest in and we can get you started on your path to making more money today. Call: 780-570-5457 Email: [email protected] . . . #joyinmortgages #investmentproperty #investmentpropertyloans #investmentpropertygoals #rentalincome #rentalproperty #yegmortgages #mortgagetips #mortgageadvise #edmontonrealestate #yegrealestate #sherwoodpark #shpkbusiness

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Let's talk about mortgage loan insurance! We have 3 insurers in Canada. CMHC, Sagen and Canada Guarantee. If you want to buy a home with a down payment of less than 20%, you'll need mortgage loan insurance. This insurance protects your lender in case you can't make your payments.... The benefits of mortgage loan insurance is it allows you to get a mortgage for as little as 5% down or 95% of the purchase price. It also ensures you're going to get a reasonable rates! The premium is calculated as a percentage of the mortgage and is based on the size of your down payment. Don't worry, the premium can be added to your mortgage and included in your payments. The insurers in Canada offer a number of programs that allow access to affordable housing programs across Canada. If you are interested in finding out more, connect with me today for a personal review. Leslie Joy Cairns 780-570-5457 [email protected] . . . #Cmhc #canada #abbroker #mortgage #1sttimehomebuyer #newtocanada #purchaseplusimprovements #separation #familyplan #flex #downpayment #rentalproperty #businessforself #portablemortgage #energyefficiency #vacationhome #options #yeg #yeglife #letschat

If you're looking to buy or move this spring call your mortgage broker to see what options are available to you! 780-570-5457 - Leslie https://edmonton.ctvnews.ca//a-seller-s-market-home-sales-

Latest in Mortgage News: BoC Sees Early Signs of Housing Overheating, but Will Keep Rates Low for Now https://bit.ly/2OcSiWD For Mortgage Services, visit https://www.joyinmortgages.ca today!... #KeystoneMortgageCorp #mortgagebroker #yeghome #dreamhome #yeg See more

May your clovers have leaves of four and your luck be evermore Happy St. Patrick's Day... . . . #stpatricksday #stpattysday #kissmeimirish #mortgagebroker #yegbroker #grateful #sherwoodparkmoms #4leafclover #green #cheers See more

Are the days of low interest rates coming to an end for Canadian homebuyers? https://bit.ly/3rCLuzX For Mortgage Services, visit https://www.joyinmortgages.ca today!... #JoyinMortgages #purchasemortgage #yegrealestate #homesweethome #Edmonton See more

It is my passion to help you achieve your dreams of home ownership. Whether you are a first-time home buyer, seasoned investor, refinancing or it is time for your renewal on an existing mortgage. I am here for you every step of the way!... Thank you for taking the time to give me a review. It means the world to me that you are happy. Leslie Joy Cairns - "Joy in Mortgages" . . . #fivestars #grateful #thankyou #testimonial #firsttimehomebuyer #renewal #refinance #yegmortgage #shpk #broker #mortgagebroker #sherwoodpark #joyinmortgages #dreamhome #dreamclient #lovewhereyoulive

Is my passion to help you achieve your dream of homeownership. Whether you are a first-time home buyer, seasoned investor, refinancing, or it is time for a renewal on your existing mortgage. I am committed and here for you every step of the way.... Thank you for taking the time to leave me a review. It means the world to me. Leslie Joy Cairns - "Joy in Mortgages" :) . . #fivestars #grateful #testimonial #thankyou #mortgagebroker #yegmortgage #sherwoodpark #dreamhome #dreamclient #lovewhereyoulive

Mortgage Refinance to Pay Off Debt: Do It Right https://bit.ly/2RzlzsB For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #KeystoneMortgageCorp #mortgagerefinance #joyinmortgages #financials

More seniors expected to turn to reverse mortgages due to COVID-19 https://bit.ly/2REEQJc For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #JoyinMortgages #reversemortgage #mortgage #yeghome #Edmonton

What you need to know about the Canadian First-Time Home Buyer Incentive https://bit.ly/3iGy0Pf For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #LeslieJoyCairns #firsttimehomebuyermortgage #dreamhome #shpkmortgage #SherwoodPark

Source of down payment = Whisky https://www.bbc.com/news/uk-england-somerset-54040307

Bank Of Canada Lowers Mortgage Qualifying Rate https://bit.ly/3lA3Kas For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #LeslieJoyCairns #mortgage #yegmortgage #SherwoodPark

"Edmonton’s housing market is expected to have a strong fall, with September and October anticipated to have higher than historical sales levels." If you are looking to buy give me a call and get your pre-approval in place! Call 780-570-5457 or email [email protected]

Mortgage Rates Keep Setting New Record Lows https://bit.ly/3it5Hno For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #JoyinMortgages #spousalseparation #finacialliteracy #shpk #shpkmortgage #Edmonton

WHAT MAKES LESLIE JOY CAIRNS - JOY IN MORTGAGES - KEYSTONE MORTGAGE CORP STAND OUT https://bit.ly/33YwXp3 For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #LeslieJoyCairns #mortgagebroker #SherwoodPark

House prices bounced up 6.5% in June compared to last year, CREA says https://bit.ly/32E3u33 For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #KeystoneMortgageCorp #borroweddownpayment #stalbert #yegrealestate #SherwoodPark

Interest rates will stay at record lows until 2023, Bank of Canada predicts https://bit.ly/39cRd7c For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #JoyinMortgages #mortgage #financials #employment #Edmonton

Want to refinance into a record-low mortgage rate? Give me a call 780-570-5457 or email [email protected] to find out it this makes sense for you https://bit.ly/2DS1zO2 https://financialpost.com//want-to-refinance-into-a-record #LeslieJoyCairns #mortgagerefinance #yegmortgage #mortgagebroker #SherwoodPark

10 things to know before refinancing your mortgage https://fxn.ws/3gSgplV For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #JoyinMortgages #mortgagebroker #communications #yeghome #stalbert #Edmonton

How exciting is this!

Announcing the new website We’re pleased to announce the launch of our new website. Do visit us on https://www.joyinmortgages.ca/ #joyinmortgages #yegmortgage #mortgagebroker #mortgage

Canadian Mortgage Rates Hit All-Time Low https://bit.ly/37E8Cog For Mortgage Services, visit https://www.joyinmortgages.ca #joyinmortgages #yegmortgage #mortgagebroker #shpk

6 smart strategies for first-time home buyers https://bit.ly/3fL8B50 For Mortgage Services, visit https://www.joyinmortgages.ca #joyinmortgages #yegmortgage #mortgagebroker #shpk

How to Choose Between a Refinance, a HELOC and a Second Mortgage https://bit.ly/2M5AkAr For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #KeystoneMortgageCorp #mortgage #Canada

Canadian banks expected to tighten home equity line of credit access as aid measures wind down https://bit.ly/3celYcm For Mortgage Services, visit https://www.joyinmortgages.ca to know more. #KeystoneMortgageCorp #mortgage #Canada

Further to the release last week, GEand CG confirm they will not be adopting the same guidelines as CMHC. Please connect with me with any questions regarding how this may effect you!

I will be sitting in at this open house Saturday to answer any mortgage questions.