Win Win Mortgages Inc.

10/19/2022

I love being a Mortgage Broker who helps her clients across Canada achieve what's important to them.

Even with rates having increased, there are all kinds of good things happening.

Here's a google review from two of my valued clients yesterday:

"We recently utilized the services of Anat and Win Win Mortgages. I liked that I didn’t have to do any legwork, and that she got us a rate that we couldn’t get on our own. We liked how she coordinated with the Realtor and the lawyer to ensure that it all stayed on track. I didn’t have to do anything, as Anat looked after all of it. This made everything really easy and seamless. Anat makes things easy in terms of explaining complex things to me, and she’s easy to talk to…not like talking to a banker at all. Her communication throughout the mortgage process is very fluent and easy…she’s prompt and on top of it. We are really pleased with the rate that Anat secured for us. This was more competitive than we could’ve gotten elsewhere. Anat got us a way better rate than me just going to my own bank. Of course, we would refer Anat to other people".

Home I help you find money At competitive rates and terms… Here is what you can do with good financing: Buy Your New Home Buy Rental Property Renovate your Home or Business Increasing Your Property’s Value Re-do Your Mortgage to Save or Access Money Buy a Vacation Property Anywhere Settle a Divo...

10/07/2021

How to have your home renovations be affordable:

If you own your home and are thinking of doing renovations, it can be exciting.

But how do you pay for these upgrades in a way that's easy and affordable?

Many people don't realize that you can re-do your existing mortgage and roll in the renovation funds, while actually saving money.

Without knowing how beneficial this is, people usually borrow their renovation funds from their personal or secured Line of Credit with average interest rates of 5%-8%, or their credit card with average interest rates of 19%.

Since mortgage rates these days are well below 3%, and we can amortize (or spread out) your new mortgage payments over 25 to 30 years, your new mortgage payments will often save you money, plus you'll get a lump sum of your renovation funds back from the Lawyer when we close your new mortgage.

I just did this for some great clients, and they are so pleased. They got back $40K in renovation funds from the Lawyer, and saved $450/month on their regular mortgage payments.

If you'd like to know how this program works without any obligation, feel free to contact me. I'm happy to be of service.

www.win-win-mortgages.com

Home I help you find money At competitive rates and terms… Here is what you can do with good financing: Buy Your New Home Buy Rental Property Renovate your Home or Business Increasing Your Property’s Value Re-do Your Mortgage to Save or Access Money Buy a Vacation Property Anywhere Settle a Divo...

11/11/2020

Do you know a single Mom who’d really appreciate some financial relief?

This week, I helped my client reduce her biweekly mortgage payments by $100 each, and saved her $667/mo on car payments by paying out her vehicle.

This saves her around $10K per year, and we did this all two years in advance of her mortgage maturity date for a very reasonable payout.

Wow! This has made such a huge difference for her, giving her increased peace of mind, freedom and a fresh start with her finances.

It started with a free mortgage check-up, that lead into us exploring her mortgage options.

http://win-win-mortgages.com/mortgage-check-up/

If you’re curious about what mortgage options could benefit you and would like to talk without any obligation, feel free to contact me.

I’m happy to be of service.

10/08/2020

How Refinancing Saved People $700/month:

I love being a Mortgage Broker who helps her clients achieve what really matters to them.

With interest rates being relatively low right now, I'm helping many people to explore their mortgage options.

(This has worked well over the years for many of my clients, even with rates being higher than they are currently).

In one situation, my clients renewed their mortgage about a year ago, directly with the Lender.

At that time, rates were higher, and when you auto-renew directly with the Lender, you don't usually have access to the bells and whistles available that you would if I shopped the market for you and found a more competitive Lender.

Because of this, they were also bound to their remaining amortization period and this was driving their monthly payments higher.

I re-did their mortgage with a new Lender to get them a lower rate, made sure that their payout was reasonable and that they didn't pay that out-of-pocket, and found them an amortization option that reduced their payments and still fit within their goals to pay down their mortgage.

This saved them about $700/month in payments, and they are so pleased! They have young kids in school, so this will really make a difference for their family.

If you're curious about your mortgage options and want to explore financing possibilities without any obligation, feel free to contact me. I'm happy to be of service.
www.win-win-mortgages.com

Home I help you find money At competitive rates and terms… Here is what you can do with good financing: Buy Your New Home Buy Rental Property Renovate your Home or Business Increasing Your Property’s Value Re-do Your Mortgage to Save or Access Money Buy a Vacation Property Anywhere Settle a Divo...

09/22/2020

I love being a Mortgage Broker who helps my clients achieve the things that are important to them.

Sometimes, there are misconceptions about what a Mortgage Broker does, so it's even more meaningful to me when I get this kind of Google review:

"We recently closed on a house, thanks to Anat's help. This was the first time we used a mortgage broker, and the process was smooth and much easier than trying to coordinate multiple bank conversations. Anat's frequent communication kept us informed along the way, she was very responsive every time we had an inquiry, and even helped us with financial projections. Overall, great experience. I have already referred Anat to friends looking to secure a mortgage."

www.win-win-mortgages.com

Home I help you find money At competitive rates and terms… Here is what you can do with good financing: Buy Your New Home Buy Rental Property Renovate your Home or Business Increasing Your Property’s Value Re-do Your Mortgage to Save or Access Money Buy a Vacation Property Anywhere Settle a Divo...

08/13/2020

Who’s getting competitive financing these days?

The Bank of Canada just dropped the qualifying rate from 4.94% to 4.74%, making it even easier for people to get approved for financing.

(This is the behind-the scenes rate used for qualifying people…not the rate that your mortgage payments are based on).

In addition, mortgage rates are incredible these days, and I'm assisting many clients across Canada to secure competitive financing that has them achieve their goals.

Here are some examples of what they're doing:

-Parents buying a home for their adult kids, and keeping that property as a family investment.

-First-time Home Buyers, sometimes using their RRSP's for their down payment, penalty-free, as well as the First Time Home Buyer's Incentive Program through CMHC (https://www.cmhc-schl.gc.ca/en/nhs/first-time-home-buyer-incentive).

-Refinancing to consolidate high-interest debts, like vehicles and credit cards. I just helped one couple save around $2,300/mo! This was done by consolidating their consumer debts averaging 10%-20% interest, into a mortgage with an interest rate under 2.5%.

-Renewing their mortgage upon the maturity date.

-People buying bigger homes to fit their growing families, and smaller homes to reduce their monthly payments.

-Refinancing to help people settle their Separation or Divorce.

-Refinancing to do their home renovations in a way that's really affordable.

If you're curious about mortgage possibilities for your situation and would like information without any obligation, feel free to contact me. I'm happy to be of service.

www.win-win-mortgages.com

08/13/2020

Who’s getting competitive financing these days?

The Bank of Canada just dropped the qualifying rate from 4.94% to 4.74%, making it even easier for people to get approved for financing.

(This is the behind-the scenes rate used for qualifying people…not the rate that your mortgage payments are based on).

In addition, mortgage rates are incredible these days, and I'm assisting many clients across Canada to secure competitive financing that has them achieve their goals.

Here are some examples of what they're doing:

-Parents buying a home for their adult kids, and keeping that property as a family investment.

-First-time Home Buyers, sometimes using their RRSP's for their down payment, penalty-free, as well as the First Time Home Buyer's Incentive Program through CMHC (https://www.cmhc-schl.gc.ca/en/nhs/first-time-home-buyer-incentive).

-Refinancing to consolidate high-interest debts, like vehicles and credit cards. I just helped one couple save around $2,300/mo! This was done by consolidating their consumer debts averaging 10%-20% interest, into a mortgage with an interest rate under 2.5%.

-Renewing their mortgage upon the maturity date.

-People buying bigger homes to fit their growing families, and smaller homes to reduce their monthly payments.

-Refinancing to help people settle their Separation or Divorce.

-Refinancing to do their home renovations in a way that's really affordable.

If you're curious about mortgage possibilities for your situation and would like information without any obligation, feel free to contact me. I'm happy to be of service.

www.win-win-mortgages.com

An introduction to the First-Time Home Buyer Incentive and links to tools and resources to help you prepare to buy your first home.

03/24/2020

I'm pleased to share this good news with you all, during these interesting times with world events:

Mortgage rates across the board are still relatively low with both the fixed and variable rates, and the Gov't qualifying rate has also decreased, making it easier for people to get approved for good financing.

I'm committed to helping you save money on your mortgage payments and secure affordable financing, so please feel comfortable getting in touch with me if any of the following apply:

-Your mortgage is coming up for renewal in the next 6 months, and you’d like some rate security now.

-Your mortgage maturity date is in the next 1-3 years, as we can explore good options for you now that give you rate security and affordable payments.

-You'd like some financial relief from paying out debts and/or saving money on your mortgage payments.

-You're curious about how it would work for you to buy a home or revenue property, once world events settle down.

If you'd like to know more without any obligation, feel free to contact me. I'm happy to be of service.

www.win-win-mortgages.com

12/02/2019

Do you dream about owning a property in Mexico, and wonder how affordable this really is?

Here's a beautiful property that's currently listed by my colleague, Tyler Merchant, for around $198K US (which is around $264K CDN):

https://www.remaxpacificlife.com/listing/two-bedroom-condo-in-estrella-del-mar/

Here's how the monthly estimates could look:

-Estimated mortgage payments = $1,156/mo CDN

-Estimated condo fees (called HOA) = $485/mo CDN

-Estimated property taxes = $21/mo CDN

Total monthly estimates = $1,662/mo

According to Tyler's expertise, you could rent out a property like this for around $120/night US funds, all year round.

Even if you rented it out for 15 days out of each month when you're not there, that would be $1,800/mo US funds, which = $2,394/mo CDN dollars.

Based on the monthly cost estimates above of $1662/mo, this is a surplus of $732/mo for you. ($2,394 - $1,662).

This could provide you with a great vacation home that's also a revenue property.

If you'd like to know more about how your financing could work without any obligation, feel free to contact me. I'm happy to be of service.

www.win-win-mortgages.com

Remax Pacific Life Mazatlan is honoured to showcase this two bedroom third floor condo situated in E

11/07/2019

I love being a Mortgage Broker who helps her clients save money and achieve their dreams.

Here's what one of my clients said recently about the process of utilizing my services:

"If you're looking for an amazing mortgage broker, look no further! My husband and I utilized Anat’s mortgage services to buy our home, and we couldn't be happier. We liked Anat’s personality, professionalism and promptness. We really enjoyed everything about her services. We liked how Anat related to both of us, and how she understood that buying a home was a stressful process. Anat did all that she could to make it easier for us when things got intense. She made sure that things were well explained and that we were kept well informed. We appreciated Anat’s ongoing checklists and emails as they really saved us time and energy, as well as ensuring that we didn’t miss anything. Anat’s communication with us throughout the entire process was excellent, and the mortgage she found for us was perfect in terms of rate, payments, Lender, and terms. We can't recommend her enough, and have already referred two friends to her."

10/24/2019

What kind of joy and peace of mind would you feel if you could have your mortgage rate drop from 4.99% to 2.99%, and lock in the 2.99% for 5 years?

This is what I just helped a client to achieve, and she is so happy and relieved.

She was with a different tier of Lender to repair her credit from some past events, and I was able to find a competitive Lender who recognized her credit improvement efforts and gave her full mortgage approval.

I am so pleased for her, and touched at how much she trusted me.

www.win-win-mortgages.com