Vikram Dhanju
170 University Avenue, Suite 200 M5H 3B3 Toronto, ON, Canada

TOP FIVE THINGS TO LOOK FOR WHEN HIRING A MORTGAGE AGENT https://bit.ly/3jK0zwd We offer mortgage services. Visit https://www.vikrammortgage.com/ for more information.... #VikramDhanju #mortgageagent #Cambridge See more

Canada's Economy Has Never Been More Dependent On Real Estate https://bit.ly/3sn5lE9 We offer mortgage services. Visit https://www.vikrammortgage.com for more information. #VikramDhanju #MortgageRefinance #Ottawa

Canadian's haven't been this bullish about the housing market in at least ten years https://bit.ly/3bDwVqE We offer mortgage services. Visit https://www.vikrammortgage.com for more information. #VikramDhanju #mortgagerates #Hamilton

Q4 2020 Bank Earnings The End of Mortgage Deferrals https://bit.ly/3bV8vct We offer mortgage services. Visit https://www.vikrammortgage.com for more information. #VikramDhanju #Constructionmortgage #Kitchener

Canada's Interest Rates Could Fall Further As New Lockdowns Weigh On Economy https://bit.ly/3oYcqca We offer mortgage services. Visit https://www.vikrammortgage.com for more information. #VikramDhanju #MortgageRefinance #Guelph

WHAT MAKES VIKRAM DHANJU - MORTGAGE AGENT (ZOLO MORTGAGES LTD.) STAND OUT https://bit.ly/3hYurnN We offer mortgage services. Visit https://www.vikrammortgage.com/ for more information. #VikramDhanju #Privatemortgage #Ontario

Flight To The Burbs: Every Real Estate Market In Ontario Is Outperforming Toronto https://bit.ly/3aXoCWu We offer mortgage services. Visit https://www.vikrammortgage.com for more information. #VikramDhanju #financialservices #Toronto

Many Canadians continue to see growth in their biggest asset https://bit.ly/3pvKjRg We offer mortgage services. Visit https://www.vikrammortgage.com for more information. #VikramDhanju #MortgageRefinance #Cambridge

First-Time Home Buyer Programs (FTHB): There are 5 different programs offered by government for first-time buyers: 1) HBP this allows you to withdrawn up to $35,000 from your RRSP to be used toward the purchase of a home. The RRSP has to be repaid over 15 years starting 2 years after you take it out. 2) Shared Equity Program: You put 5% down and the government matches it. You must repay the incentive after 25 years or when the property is sold, whichever comes first. The re...payment is based on the fair market value of the home, as such you would have to repay the government 5% of the future value of the property which could be more than the 5% that they contributed. For example, you purchase a property for $500,000 and the government contributed $25,000 (5%). In the future you sell the property for $850,000 the government would have to be repaid $42,500. The Lender applies for the incentive on your behalf and the funds are directed to the lawyer on closing. 3) Land Transfer Tax (LTT) Credit Eligible FTHB can get LTT credit based on the purchase price of the property up to a maximum of $4,000. This amount can be reduced based on the value of the property or if any non-eligible buyers are on the mortgage / title as well. The client’s lawyer will process the LTT credit based on eligibility at the time of closing. If you buying in Toronto it will be Upto $8,000 as buyers two LTTs ( Provincial and City). 4)The Home Buyers’ Amount: HBA is a non-refundable credit that allows first-time purchasers of homes to claim up to $5,000 in the year when they purchase a home. 5) GST/HST New Housing Rebate: This rebate helps Canadians who paid GST or HST by either buying a new home, renovating an existing one. To qualify for this rebate, the home must be your primary residence. If you like to know more about these programs or want to discuss your mortgage eligibility call me at 905-699-6681 #mortgage #firsttimehomebuyer #governmentincentives #landtransfertaxrebate #homebuyers #toronto #ontariocanada See more

Breaking your mortgage contract https://bit.ly/38SFZVL We offer mortgage services. Visit https://www.vikrammortgage.com for more information. #VikramDhanju #Commercialmortgage #Ontario

Financial literacy in Canada: 5 things you need to know in 2020 https://bit.ly/3nz9EJ3 We offer mortgage services. Visit https://www.vikrammortgage.com/ for more information. #VikramDhanju #mortgageagent #Canada

Optimism Returns to the Markets. Could Fixed Rates Start to Rise? https://bit.ly/3lDCAiD We offer mortgage services. Visit https://www.vikrammortgage.com/ for more information. #VikramDhanju #mortgageagent #Canada

Mortgage Protection Insurance vs. Term Life: What's the Difference? https://bit.ly/3657Q3g We offer mortgage services. Visit https://www.vikrammortgage.com for more information. #VikramDhanju #investmentadvisor #Waterloo

What are the emerging trends for Canadian real estate in 2021? https://bit.ly/3owDJu9 We offer mortgage services. Visit https://www.vikrammortgage.com for more information. #VikramDhanju #MortgageRefinance #Kitchener