Knockout Mortgages
B5- 1921 Pembina Hwy R3T 2G7 Winnipeg, MB, Canada

If you are thinking purchase or refinance (i.e. to get a lower rate or for debt consolidation), get in touch as soon as possible to discuss your situation. Why? Uninsured mortgages (i.e. when have more than 20% equity) approved before June 1 are not subject to the new tougher stress test announced by OSFI last week, which means qualifying may be easier. This applies to purchases that close after June 1 with a signed purchase and sale agreement.

There has been a flurry of refinance activity over the last year given our rock-bottom interest rates, providing homeowners with access to today’s low rates and the most cost-effective way to get needed funds. Refinancing means getting out of your current mortgage and replacing it with a new one. A minimum of 20% home equity is required to complete a refinance. Since breaking your current mortgage comes with a fee, I can complete a personalized cost/benefit analysis so you ...can determine whether refinancing makes sense. With fixed rates edging up, there may not be any benefit to waiting to see if you can get a better deal later.

There are so many reasons to work with a Mortgage Broker instead of your Bank! Asking the Bank which mortgage you should get is like going to a Ford dealership and asking which car you should buy. When you have choice, you can be confident you're getting the best rate and mortgage for your situation.

Spring is in the air!

Hello Friends...So its that time of the year but as all other things a bit different this year. Our local homeless shelters are still in need and we need your help. we have 3 weeks to raise $100,000. If we reach our goal Invis will add $10,000. So no local fundraiser just an online donation and we are able to still help. Please click on the link below to make your donation and make sure to click on Winnipeg so funds can be used for our local shelters. On behalf of the entire ...Winnipeg Invis Agents and myself we thank you so much in advance. Let's Show the rest of Canada how we do it here! https://www.eventbrite.ca/e/angels-in-the-night-2020-virtua DON'T FORGET TO CLICK WINNIPEG. If you would rather not make an online donation send me your email and I will send you a paper copy.

Cash Back Mortgage rates are lower than they have typically been, causing an upswing in use by first-time home buyers. Getting 3% cash back of the total mortgage amount can be a big financial boost and provide much-needed breathing room after closing on the most expensive purchase most people make. The funds can help pay for things like closing costs, renovations, and moving costs. Interested in learning more? Let's discuss whether a cash-back mortgage fits your needs.

The Financial Consumer Agency of Canada has a comprehensive website with tips and tools to help you better understand your finances with a focus on our challenging times. The site will help you think more about your financial well-being - https://bit.ly/3eRmGPe

With mortgage deferrals ending, there are options for those in need. I'm here to help!