Mortgage By Baj

One of the most frequently asked questions I get is how can I increase my down payment? The following options can help; - Cash Savings... - RRSPs - Stocks/Bonds/Investments - Borrowing from a line of credit - Gifted funds from family - Liquidation of Assets Message me with your questions! Looking to purchase, refinance or invest? Call me and let’s chat ! #TheBajWay #mortgageadvice #mortgage #mortgagebroker #mortgagetips #mortgagespecialist #mortgageprofessional #gtarealestate #mississaugarealestate #oakvillerealestate #miltonrealestate #torontorealestate #burlingtonrealestate

We were able to get this property finalized in less than 30 days. The client reached out because he heard of the great service and knowledge I provide my clients. When I say something, I pull through. Plain and simple. Looking to purchase, refinance or invest? . .... . Give me a call and let’s make it happen. #TheBajWay #mortgagebroker #mortgagetips #mortgagespecialist #mortgageagent #mortgageprofessional #mortgagelife #gtarealestate #firsttimehomebuyer #refinance #refinancemortgage

Congratulations to my clients on securing their 3rd rental property . We were able to put a firm offer on this property and close within 30 days without a financing condition. Took some work to get it done, but that’s exactly what we did. We got it done. They were able to secure this 1 bed, 1 bath and 2 parking spot unit in a prime location. With a No Frills, McDonald’s and a variety of restaurants a walk away, I was ready to move in myself Looking to invest, purchase, or... refinance? What ever your needs, give me a . My team will work to get it done. #TheBajWay #mortgagebroker #mortgage #gtarealestate #gtamortgages #gtamortgagebroker #mississauga #investmentproperty #purchase

APPROVED Congrats to my clients on the purchase of their new home! Our client was in a bidding war for this property and asked us if they can waive the financing condition to make their offer more appealing than the others. We gave the client the go ahead and got him an approval in 4 days and they were able to secure this 2 bedroom, 2 bath, 2 parking for 680K!... Whatever the situation, my team will make it work. Oh, and we also got them $2000 to help their cash flow after the closing! #DoubleWin If you’re looking to purchase a property soon, give yourself ample time to get an approval for a mortgage. It can make or break your offer on a property! Omair Bajwa 647-992-8476 #TheBajWay #realestategta #torontorealestate #mortgagebroker #mortgage #mortgagetips #mortgagemississauga #mortgagespecialist

If you are purchasing or have a mortgage at another institution, YOU ARE ELIGIBLE! Call or message if you have any questions! 647-992-8476 #realestate #mortgage #gtarealestate #gtamortgages #mortgagemississauga #mortgagespecialist #mortgages #mortgageexpert #homeowners #firsttimehomebuyer #refinance #refinanceyourhome #refinancemortgage

Offering a lower mortgage rate and a better mortgage package that can help save you hundreds or thousands per month. -refinance -purchase -equity take out ... 5 year 1.42% variable 647-992-8476

For any advice on your purchase, refinance or sales needs, give me a call! My team of professionals are ready for you around the clock! With interest rates at an all time low, there’s never been a better time to get into the market. Any questions or concerns at all, call or text me @ 6479928476 ... #torontorealestate #mortgagebroker #mortgagerefinance #mortgagemississauga #mortgageagent #mortgagespecialist #mortgageprofessional #mortgagehelp #gtamortgages #mortgagegta

When your mortgage is up for renewal, you have so many options available to you. - Get lower rates - Renegotiate borrowing terms - Increase or decrease your monthly payments... - Increase or decrease the length of your mortgage - Qualify for CashBack - Remove CMHC insurance - Remove or change borrowers - Combine existing debt into your mortgage at substantially lower rates ... The options are endless. Life is constantly changing and you shouldn’t be stuck in the same old mortgage you had years ago. My team and I can outline the best solution for you! Stuck in a mortgage that doesn’t have your best interest in mind? (Pun intended ) GIVE ME A CALL #mortgagemississauga #mortgagerefinance #mortgage #mortgaebroker #mortgagegta #mortgagetips #mortgagespecialist #mortgageadvice #realestate #realestategta #gtarealty #mortgageprofessional #mortgageexpert

I’ve included a some info about variable and fixed rates. I urge you to get in touch with me if you are looking to buy, refinance or renew your mortgage. Every scenario is different and I can help you make the best decisions! Fixed rate : -Locks your rate into place for a period of time called the term (usually 5 years or less).... -Rate is typically a bit higher, but provides for a stable, consistent mortgage payment for years to come. -If you break the mortgage, there is often a bigger penalty called an Interest Rate Differential Penalty. -It is not possible to switch a fixed rate into a variable rate without breaking the mortgage. Variable rate: - Rate changes over time, with decisions from the Bank of Canada. - The rate is determined using a discount off of the Prime Rate (ex. Prime minus .50%). - Typically, the variable rate is lower than fixed, but can also float higher for periods. - If you break the mortgage, the penalty is typically far lower. - You can lock the variable rate into a fixed rate at any time, without breaking the mortgage. #TheBajWay #mortgagerefinance #mortgage #marketupdategta #mortgagemississauga #mortgagetips #mortgageagent #mortgagespecialist #mortgagerates #mortgageadvice #mortgagebrokers #mortgageadvisor #firsttimehomebuyer #refinance #investmentproperty #oakville #mississauga #toronto #burlington #hamilton #guelph #milton #brampton

$25K and you can have a condo in Mississauga .... keep reading Condo prices on the market have come down due to an increase in supply. A lot of people are upgrading to town houses and homes to rent/own leaving lots of condos on the market. There will never be an opportunity like now to enter the market and become a home owner. Don’t wait to buy, buy and then wait. ... Give me a call and let’s talk. #TheBajWay #mortgagerefinance #mortgagemississauga #mortgage #marketupdategta #homeownership #homeowner #firsttimehomebuyer #mortgageprofessional #mortgagelender #mortgagehelp #mortgagenews #realestate #investmentproperty

Your credit score reflects who you are in the eyes of banks and other lenders. Banks, lenders and insurers use your credit score and history to determine who you are, who you have been and who you will be down the line. Your credit score determines:... -How much you can borrow -Interest rates available to you -Insurance premiums -Eligibility for loans and mortgages -Borrowing flexibility -Deciding factor for approval There are many techniques you can use to help increase your credit score if need be. -Low utilization ratio on credit products -Monitor payment history and due dates -Increase length of your credit history -Limit the number of credit checks/apps -Hard hit vs soft hit -Use different types of credit -Keep credit products open These are just a few techniques that have helped my clients. If you need a solution, you know who to call. #TheBajWay #mortgage #mortgagemississauga #mortgagerefinance #mortgagebroker #mortgagetips #creditscore #mortgagespecialist #mortgageadvice #mississauga #oakville #burlington #toronto #brampton #firsttimehomebuyer #mortgageconsultant #tdbank #tdcanadatrust #td

I have so many clients who are stuck with a specific lender because they only asked about the rate when they got their mortgage. Recently, I had a client who has been locked into a barebones mortgage at BMO for years and can’t refinance unless he pays a penalty. At the time he only cared about the rate but now he’s learning he has many restrictions on his mortgage. The interest rate is important but that is only one piece of the pie. If you’re going to sign a mortgage for... 25 years, you want to make sure it can navigate through all the hurdles life throws at you. Some important features to consider are: -Prepayment options -Mortgage renewal options and terms -Variable vs Fixed rate (pros/cons) -Are you protected? -Can you miss or skip payments? -Refinance options -Can you port the mortgage? -Can you upgrade your home in 10 years? How will that affect your mortgage? All of these things have to be taken into consideration. Life and routine is always changing and you have to be able to navigate through it. Don’t get left high and dry! Give me a call, I’d love to connect. #TheBajWay #mortgagerefinance #mortgagemississauga #mortgage #marketupdategta #realestate #mortgagebroker #mortgagetips #mortgagespecialist #mortgageprofessional #mortgagelife #firsttimehomebuyer #refinance #refinancemortgage #refinanceyourhome #mortgageexpert #mortgagehelp