...pick the one thats right for you.
|HELOC||4.2% (prime + 0.25%)|
First National Financial
Street Capital Bank
|5 year variable||2% (prime - 1.2%)|
|3 year variable||2.1% (prime - 1.1%)|
|Line of Credit||Starting at 3.00%|
|Equity Loans||Starting at 5.99%|
|Private Mortgages||Starting at 4.99%|
For many people life improves after consumer proposal. They are able to make the agreed payments to the trustees and may even find that they can save a little money every month. Now they want to buy their first home. While it is certainly better to consider property ownership once debt problems are cleared up, no business will give a mortgage to someone who has not completed the consumer proposal.
If you want to buy a house, your best bet would be to pay off your consumer proposal as quickly as possible and then collect your signed certificate of completion. Then you can start to save for the down payment on your house. You’ll need 20% for a down payment. Consider saving the money that you were paying for the debt. You weren’t used to having it so you should find it relatively easy.
Getting a private mortgage was not easy to be honest, but at least with Mr. Leon it was doable. Thank you for your help!
There are a lot of mortgage brokers in toronto to choose from, I was a bit intimidated by that. Don't regret I picked CMB, they took the lead and made sure to cover all the bases
I was renting an apartment for a long time and finally decided to take a big step - get a mortgage instead. Team at certified Mortgage Brokers laid out various options for me. The actual process went smooth and quick, happy with my new home.
My wife and I decided to refinance our mortgage and started looking for a mortgage broker in Toronto. There were so many options, so you can imagine how overwhelmed we got! After talking to Leon we decided to proceed with Certified, didn't regret that decision once. They always gave useful recommendations, were attentive, and constantly in touch. And most importantly (for us) they helped us to save some money!!
Vita was great. Helped my son with all the paperwork and got him very good interest rate. On the closing date called to follow up if everything went fine. Quite a pleasant experience. I would recommend this firm for anyone who is looking a mortgage broker.
…by providing award winning customer service to each and every single client.
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