Michelle Ghazouli

Michelle Ghazouli Michelle strives to educate, empower and inspire all who place their trust in her to make the most f

12/26/2025

Wishing you a season filled with warmth, peace, and gratitude.
From my family to yours, Merry Christmas. Thank you for letting me be part of your home journey this year.

12/12/2025

Home feels a little different this time of year a little softer, a little slower, a little fuller. It’s where we gather, reflect, recharge, and remember what matters most.

Wishing you a season filled with comfort, connection, and the kind of moments that stay with you.

In Ontario, you could save up to $4,000 through the Land Transfer Tax Refund, and up to $8,000 if you live within the GT...
03/12/2025

In Ontario, you could save up to $4,000 through the Land Transfer Tax Refund, and up to $8,000 if you live within the GTA specifically.

Are you eligible?
👉 You must be 18 years old
👉 You must be a first-time buyer
👉 Cannot have owned a home or an interest in a home anywhere in the world
👉 (If applicable) Your spouse cannot have owned a home or interest in a home, anywhere in the world while he or she was your spouse

Let’s make sure you’re getting all the benefits you deserve. Contact me today to learn more!

03/06/2025

Life can change fast, but you don’t have to face it alone.
There are more solutions than you think. My client Suzanne believed she had no options, but with the right advice, new doors opened.
Don’t let fear stop you, make the call.
mortgagehelp

Contribute to your RRSP by this date to lower your taxable income for the 2024 tax year.The last day to contribute to yo...
02/27/2025

Contribute to your RRSP by this date to lower your taxable income for the 2024 tax year.

The last day to contribute to your own RRSP is December 31 of the year you turn 71.

Planning ahead? Your RRSP can also help with homeownership through the Home Buyers’ Plan (HBP).

Let’s make the most of your RRSP this year – reach out if you have questions!

02/26/2025

Helping families achieve their homeownership dreams for nearly two decades, and I’m just getting started!
Ready to start your journey? Let’s talk!
clientlove

Does this sound like you? 👉 Your loan-to-value ratio is 80% or higher👉 You're a first-time home buyer or haven't owned a...
01/20/2025

Does this sound like you?

👉 Your loan-to-value ratio is 80% or higher
👉 You're a first-time home buyer or haven't owned a home in the last 4 years
👉 Purchased a new build
These reforms apply to all high-ratio mortgages on owner-occupied properties or those occupied by a close relative. The government confirmed that existing eligibility criteria for government-backed mortgage insurance will remain unchanged.
But what does this mean for your specific case? Contact me today and let's find out together!

01/15/2025

First Home Savings Account (FHSA) – Your Key to Homeownership
Originally announced in the 2022 federal budget and launched in April 2023, the FHSA is a registered account that allows Canadians to save up to $8,000 per year, with a lifetime limit of $40,000, toward their first home. Contributions and investment income are tax-deductible, and withdrawals for a home purchase are tax-free, making it a powerful tool to boost buying power.

Contact me to learn how to start your FHSA or where to take your existing one today!

What the increase on insured mortgage cap means for you:You may qualify for high loan-to-value mortgage insurance that c...
01/09/2025

What the increase on insured mortgage cap means for you:
You may qualify for high loan-to-value mortgage insurance that could allow you to consider buying in a high-priced market like Toronto with less cash upfront 💰
Down Payment Breakdown:
👉 5% on the first $500K
👉 10% on the rest up to $1.5M
Example: $125K down for a $1.5M home (vs. $300K before!)
Contact me today and let’s explore your options!

Interested in creating a rental unit within your property?Good news! You can get up to $80,000 at 2% interest over 15 ye...
01/08/2025

Interested in creating a rental unit within your property?
Good news! You can get up to $80,000 at 2% interest over 15 years through the Secondary Suite Loan Program to help with the cost.
Starting January 15, another option becomes available, you can refinance your mortgage for up to 90% of your home’s value post-renovations. This can go up to $2 million and can be amortized over 30 years.
The best part? You can combine both programs to help cover your expenses.
Let’s chat about how this could work for you!

Economic change is inevitable, but being prepared makes all the difference.💡Whether it's interest rates or the housing m...
10/24/2024

Economic change is inevitable, but being prepared makes all the difference.💡

Whether it's interest rates or the housing market, short term or long term goals, smart mortgage decisions today set you up for success tomorrow. 🏠

Let's tackle the unknown together and secure a better financial future. Ready for what’s next?

Address

PO Box 34059, 446 Hollandview Trail
Aurora, ON
L4G0G3

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm
Sunday 9am - 8pm

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