Rob Cagnin indi Mortgage "The Independent Mortgage Company" AMP, FSRA 12403

Rob Cagnin indi Mortgage "The Independent Mortgage Company" AMP, FSRA 12403 Call us today to learn more! I have been arranging mortgages for the past 20 years. My team and I are highly committed to excellence in our craft.

Brokerage # FSRA 12403, If you are looking for a trusted advisor to fully manage your mortgage financing needs, you have absolutely come to the right place!!! You can expect the best combination of service and high quality advice available to go along with access to the very best interest rates available in the market. I am both an Accredited Mortgage Professional and Certified Financial Planner. I have in depth knowledge of mortgages, financial planning, and banking acquired from many years of hands on experience in these fields. I am deeply committed to the well-being of my clients and have the skill set and passion necessary to help my clients achieve outstanding results. If you are looking for a mortgage or anything mortgage related, you have come to the right place!!! Have more questions? It would be my pleasure to discuss.

The First-Time Home Buyers' Tax Credit isn't something separate you have to apply for, it's a line on your tax return th...
09/14/2026

The First-Time Home Buyers' Tax Credit isn't something separate you have to apply for, it's a line on your tax return that puts real money back in your pocket.

✅ Worth up to $1,500 – A 15% federal credit on up to $10,000 of eligible home-buying costs.
✅ Covers the paperwork – Legal fees, inspections, and other closing costs all count toward it.
✅ Easy to qualify – If you (or your spouse/partner) haven't owned a home in the past four years, you're likely eligible.

Buying your first home comes with enough costs. This is one you can actually claim back. Let's make sure you're not leaving money on the table.
[email protected] or (905)634-6111 ext 113

If you’re someone who thrives on certainty, a fixed-rate mortgage might be the right fit for you... providing the stabil...
09/09/2026

If you’re someone who thrives on certainty, a fixed-rate mortgage might be the right fit for you... providing the stability and peace of mind you need.

A fixed rate provides a locked-in interest rate for your entire term, meaning your monthly payments stay the same, no matter how market rates change. This predictability makes budgeting easier and protects you from unexpected rate hikes—helping you stay confident and in control of your long-term financial plans!
[email protected] or (905)634-6111 ext 113

Your side hustle income can boost your mortgage affordability—but only if lenders recognize it as stable and legitimate....
09/04/2026

Your side hustle income can boost your mortgage affordability—but only if lenders recognize it as stable and legitimate. To count, it must be:

✅ Sustainable – Lenders need proof the income will continue long-term.
✅ Declared to the CRA – It must be on your tax returns and bank statements.
✅ Well-Documented – Be ready to provide tax filings and income records.

While extra income may strengthen your application, not all lenders will accept it. Want to maximize your mortgage potential? Let’s chat!
[email protected] or (905)634-6111 ext 113

Whether you’re a first-time investor, expanding your existing portfolio, or looking to renew/refinance, having a mortgag...
09/02/2026

Whether you’re a first-time investor, expanding your existing portfolio, or looking to renew/refinance, having a mortgage agent (broker) on your side means more options, expert guidance, and a smoother path to long-term growth.

Looking for financing options for an investment property - we have solutions from our Commercial Division for large projects to your first residential rental property. Contact us today for all your financing needs!
[email protected] or (905)634-6111 ext 113

Protect more than just your home.Mortgage payment protection is designed to cover your payments if you face unexpected c...
06/30/2026

Protect more than just your home.

Mortgage payment protection is designed to cover your payments if you face unexpected challenges like job loss, illness, injury or death. In today’s economic climate, security matters more than ever.

Whether you are buying your first home, refinancing, renewing, investing, or settling into life in Canada, having the right protection in place can give you peace of mind and keep your financial goals on track.

Mortgage Protection Plan(s) are more than a life insurance policy. A mortgage agent (broker) can help you understand your options and choose the right fit for your needs.

Let’s talk about how to add the right layer of protection for you and those you love.

📲 Like, follow, or share to stay informed and empowered.

905-634-6111 ext 113 or [email protected]

Homeownership is an amazing milestone!🏡 It's more than just acquiring a place to live; it's an investment in your future...
06/26/2026

Homeownership is an amazing milestone!

🏡 It's more than just acquiring a place to live; it's an investment in your future and a foundation for financial growth. Our visual guide highlights key stages to preparing for your mortgage financing; from clarifying your buying power and understanding down payment requirements to optimizing your credit score and budgeting.

At the center of it all is working with a Licensed Mortgage Professional, like us, to guide you through every stage. We're here to help you navigate the journey smoothly and confidently!

Clarify Your Buying Power by getting a mortgage pre-approval. This sets a realistic budget and shows sellers you're serious.

Understand Down Payment Requirements, knowing it's 5% for homes under $500,000, and up to 20% for homes over $1 million. A larger down payment can save you on mortgage insurance.

Optimize Your Credit Score as a strong score is vital for a favorable mortgage rate.

Budget for Closing Costs, which can range from 1.5% to 4% of the purchase price, covering things like land transfer tax and legal fees.

905-634-6111 ext 113 or [email protected]

Here’s to the dads who lead with heart, show up with strength, and build homes full of love and support.Today we celebra...
06/21/2026

Here’s to the dads who lead with heart, show up with strength, and build homes full of love and support.

Today we celebrate the father figures, stepdads, grandpas, and mentors who help shape our lives and communities.

Happy Father's Day!

Today, and every day, we honour Indigenous voices, cultures, and histories across Canada.National Indigenous Peoples Day...
06/21/2026

Today, and every day, we honour Indigenous voices, cultures, and histories across Canada.

National Indigenous Peoples Day is a time to listen, learn, and celebrate the rich traditions, knowledge, and contributions of First Nations, Inuit, and Métis communities.

We recognize the importance of truth and reconciliation and remain committed to fostering respect, inclusion, and meaningful connection in every community we serve.

If your fixed rate mortgage was set during pandemic lows, a renewal could come with serious sticker shock. And if have a...
06/19/2026

If your fixed rate mortgage was set during pandemic lows, a renewal could come with serious sticker shock. And if have a variable rate, higher payments might already be hitting.

Here’s the good news: you do have options. Whether it’s restructuring, extending amortization, or exploring lender alternatives, working with a licensed mortgage professional means you won’t have to navigate this alone.

💬 Let’s talk about your next steps before renewal stress kicks in. Send us a message today to book a personalized mortgage review.
905-634-6111 ext 113 or [email protected]

Breaking a fixed-rate mortgage early can come with a hefty price tag, a cost many people do not fully understand.It is c...
06/17/2026

Breaking a fixed-rate mortgage early can come with a hefty price tag, a cost many people do not fully understand.

It is called the Interest Rate Differential (IRD) penalty. It is calculated based on the difference between your current mortgage rate and today’s rate for a similar remaining term. The bigger the gap, the bigger the penalty.

This really matters when rates have dropped since you secured your mortgage. If you locked in at a higher rate and current rates are lower, that spread can lead to a significant penalty.

Many homeowners who secured mortgages in the higher rate environment of 2022 and 2023 may be surprised by how large this cost can be.
Before you refinance, switch lenders, or sell, it is important to understand the true cost of breaking your mortgage.

A mortgage agent (broker), like us, can help you estimate your penalty, explore your options, and build a plan that aligns with your financial goals.

Do not make a move without understanding the numbers first. Reach out, we are here to help.
905-634-6111 ext 113 or [email protected]

Address

184 Plains Road East
Burlington, ON
L7T2C3

Opening Hours

Monday 12am - 11:59pm
Tuesday 12am - 11:59pm
Wednesday 12am - 11:59pm
Thursday 12am - 11:59pm
Friday 12am - 11:59pm
Saturday 12am - 11:59pm
Sunday 12am - 11:59pm

Telephone

+19056346111

Website

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