Sandeep Kharat
200-2005 Sheppard Ave. E. M2J 5B4 Toronto, ON, Canada

A lot has gone on this year in the mortgage market. We have had everything from rate drops to deferrals to restrictions come at us and your personal situation may have changed. As the year comes to an end, if you have not made time for your annual mortgage check-up, now is the time! Send me a message and we can review your situation, free of charge, to ensure you are getting the mortgage that’s right for you.

To best meet your needs, mortgage brokers like myself, have a wide array of products to choose from banks, private sources, independent lenders, etc. If you are in the mortgage market, we should talk. Whether you are looking to explore your options or get a second opinion, the lending options available could save you thousands!

TAKE A BOW.....Toronto Real Estate shows no signs of slowing down! Here in the GTA, 14 of 19 real estate markets is a Sellers Market with the sales-to-new listi...ngs ratio(SNLR) highest in the following communities: 1) Orangeville (SNLR of 105%) 2) Whitby (SNLR of 89%) 3) Burlington (SNLR of 88%) 4) Milton (SNLR of 87%) 5) Caledon (SNLR of 85%) leading the ranking with high SNLR percentages over 60%, which indicates that more homes were sold compared to homes newly listed. All that is required is picking the best listing agent to sell your home. https://torontostoreys.com/most-least-competitive-ontario-/ http://www.stellarhomeswithkharat.com/ #vaughanrealtor #sellersmarket #sellyourhome #sellersagent #homesforsale

If you are a homeowner and struggling with high-interest debt payments, we should talk. It may make sense for you to refinance and access the equity in your home to pay off your high-interest debt. Your mortgage is typically the lowest interest rate to borrow money. Refinancing to pay off high-interest debt and lumping everything into your mortgage payment could free up extra cash each month by saving you on interest. Send me a message and we can see what's available to you.

Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available. Click below for more details about factors that impact your credit score. https://www.consumer.equifax.ca//what-impacts-credit-sco/