Mortgage by Rafi

10/18/2026

👋Renewal letter arrived? 📩

Don't just sign it. Check:
✅ The rate: compare with one more offer
✅ The terms: length, fixed vs. variable, penalties
✅ Your options: switching at renewal generally skips the stress test

Not sure? Send me your letter, and I'll take a quick look.

💬 When does your mortgage renew? Tell me the month below!

📞 Rafi Haq | (416) 316-5938
Pegasus Mortgage Lending Center Inc. | FSRA Lic # 11479
*Rates and rules vary by lender.

10/11/2026

Happy Thanksgiving to all 🎉

10/03/2026

A common misconception that the majority of people have about different lenders. I did too before entering the industry.

09/20/2026

Let's explore your mortgage needs with clarity and confidence together.🤝

08/23/2026

🏡 Thinking About Buying Your First Home?

Your first home doesn’t have to be perfect — it just needs to be the right start. 🔑

✨ Why this property could be worth a look for First-Time Home Buyers:
• Attractive price point
• Opportunity to build equity instead of paying rent
• Finished basement with potential for $1,200–$1,500/month in rental income
• A very convenient location in Scarborough/Toronto

💰 Not sure what you can afford? I can help you understand your mortgage options, down payment requirements, monthly payments, and potential financing strategies — before you make an offer.

📲 Call me for a FREE First-Time Home Buyer mortgage assessment.

Let’s turn “Maybe someday” into “Could this be my home?” 🏠

Rafi Haq
Mortgage Agent Level 1
📞 416-316-5938
Pegasus Mortgage Lending Centre
Brokerage Lic. #11479

08/12/2026

📅 Mark your calendar: September 2

The Bank of Canada's next rate decision could move fixed rates before you even see it happen — the bond market reacts first.

Here's what it means depending on where you're at:

✅ Buying a home?
Get a rate hold now, and ask what happens if the Bank cuts. It could protect you either way.

✅ Renewing or refinancing?
That renewal letter from your bank is a starting offer, not your only option. It's worth a second look.

✅ Just watching the market?
September 2 is the date to know. Whichever way it goes, it'll ripple into fixed mortgage rates.

I'm a mortgage agent — not attached to one bank, so I compare rates across multiple lenders to find what actually fits your situation. No pressure, just numbers if you want them.

Drop a comment or DM me if you want me to run your specific scenario.

📲Call or text me at (416) 316-5938, and I'll walk you through what this means for your specific situation. 🏡
MortgageAdvice
*The rates are subject to change and vary depending on the client's situation*. Pegasus Mortgage Lending-FSRA #11479

Call now to connect with business.

08/09/2026

🏡 FIRST-TIME HOME BUYERS — YOUR DREAM HOME MAY BE MORE AFFORDABLE THAN YOU THINK!

Considering 8 Zezel Way or 138 Cleanside Road in Toronto?

💰 Down payment starting from 6.82%
📉 Rate: 3.55% Variable
🏠 Mortgage payments from $3,434.79/month
💼 Income required from approximately $146K

The right home isn't just about the price — it's about making the numbers work for you.

As your Mortgage Agent, I'll help you understand your buying power, financing options and monthly affordability before you make an offer.

📲 Rafi Haq | Mortgage Agent Level 1
416-316-5938 | Pegasus Mortgage Lending Centre(Lic #11479)

💬 Text or Call me for a FREE mortgage assessment.

Rates and payments are estimates and subject to lender approval and change without notice.

08/05/2026

Rate check 📊 — August 2026

✅ Bank of Canada rate: holding at 2.25% ✅ 3-year fixed: ~3.94%✅ 5-year variable: ~3.55% ✅ Most banks expect rates to stay steady through the rest of 2026.

⚠️ 2027? Nobody agrees. Some banks predict hikes to 3%+. Others (like TD) say rates stay flat for years.

Bottom line: if you're buying, renewing, or refinancing in the next 6-12 months, now's a good time to lock in a plan — not guess and wait.

📲Call or text me(416) 316-5938 for "RATES," and I'll walk you through what this means for your specific situation. 🏡



*The rates are subject to change and vary depending on the client's situation* . Pegasus Mortgage Lending-FSRA #11479

Call now to connect with business.

07/16/2026

🏡Most homeowners miss the 3 biggest ways to lower their monthly payment: 👇
💰 Better rate
📅 Smarter term length
📉 Adjusting amortization
Even a small change could save you 👉 hundreds per month and thousands over your mortgage term 💵
⚠️ Before signing your current renewal offer, explore ALL your options.
📩 Message or call me today for a personalized mortgage renewal review and see how much you could save!
— Rafi Haq 📲 416-316-5938
Mortgage Agent Level 1
Pegasus Mortgage Lending Center Inc.(Lic #11479)

07/13/2026

If you are considering buying your first home👇