Raffi Kaloustian ; Mortgage Agent #16000957

01/03/2022

Is rate your deciding factor when choosing the mortgage that best suits your needs? Think again.

If you’re like most Canadians, chances are you don’t have enough money in the bank to buy a property outright. So, you need a mortgage. When you’re ready, it would be a pleasure to help you assess and secure the best mortgage available. But until then, here’s some information on what to cons...

11/17/2021

Leverage, leverage, leverage!!!

If you’ve been thinking about buying a second property and you’re looking to put some of the pieces together, you’ve come to the right place! Whether you’re looking to buy a vacation property, start a rental portfolio, or help accommodate a family member, there are many reasons to buy a seco...

10/25/2021

Debt consolidation can save you a ton of money. Why pay such high interests on car loans or credit cards, when you can be saving money paying less? Roll your debts into your mortgage, pay a lower rate because of the security your house holds as an asset.

If you’re a homeowner looking to optimize your finances, consider taking advantage of your home’s equity to reposition any existing debts you may have. If you’ve accumulated consumer debt, the payments required to service these debts can make it difficult to manage your daily finances. A conso...

10/19/2021

What is Alternative Lending?

Alternative lending refers to any lending practices that fall outside the normal banking channels. Alternative lenders think outside the box and offer solutions to Canadians who wouldn’t otherwise qualify for traditional mortgage financing. In an ideal world, we’d all qualify for the best mortga...

09/27/2021

Should you use a broker, or your bank to obtain your mortgage?

If you need a mortgage, working with an independent mortgage professional will save you money and provide you with better options than dealing with a single financial institution. And if that is the only sentence you read in this entire article, you already know all you need to know. However, if you...

09/23/2021

Business for self? Looking to refinance your existing mortgage, or get a mortgage for the first time? There’s never been a better time to look into your options than right now. Rates are at an all time low! Save $$$ and lower your current rate, by contacting me today! Pay off your existing debt, free up some of the equity in your home, the opportunities are endless!

09/02/2021

Leverage, leverage, leverage!

If you’ve been thinking about buying a second property and you’re looking to put some of the pieces together, you’ve come to the right place! Whether you’re looking to buy a vacation property, start a rental portfolio, or help accommodate a family member, there are many reasons to buy a seco...

08/23/2021

It’s never a bad time to get into the market!

If you’ve been thinking about buying a property, whether that be your first home, next home, forever home, or a home to retire into, the current state of the Canadian economy might have you wondering: Is this really the right time to make a move? There is certainly no shortage of doom and gloom in...

08/12/2021

No, “No Frills” doesn’t do mortgages. Find out what a No Frills mortgage is in the article below!

A no-frills service or product is where non-essential features have been removed from the product or service to keep the price as low as possible. And while keeping costs low at the expense of non-essential features might be okay when choosing something like which grocery store to shop at, which eco...

08/05/2021

Standard, or collateral charge mortgage? What suits your needs?

When arranging mortgage financing, your mortgage lender will register your mortgage in one of two ways. Either with a standard charge mortgage or a collateral charge mortgage. Let’s look at the differences between the two. Standard charge mortgage This is your good old-fashioned mortgage. A standa...

07/22/2021

I’ve been asked several times, “why should I use a broker instead of my bank?” This should sum it up for you!

If you’re looking to buy a property or have a mortgage up for renewal, and you’re thinking about connecting with your bank directly, save yourself a lot of money and regret by reading this article first. Here are four things that your bank won’t tell you, accompanied by four reasons that expla...

10/19/2020

Looking for a pre qualification for a mortgage?! Download the app, and feel free to ask me any questions that you may have in regards to your new purchase, your investment, or your refinance!

Check out Raffi's mortgage app. It includes everything you need to estimate your homeownership costs. You can calculate mortgage scenarios, get pre-qualified, browse thousands of rates, stress test, land transfer taxes, closing costs and so much more.

Call Raffi Kaloustian at (905) 730-7916 or email [email protected].

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