Mortgage Guru Financial

09/16/2024

09/16/2024

BIGGEST MORTGAGE REFORM NEWS:

1) 30-year amortization for first-time buyers

2) Insured mortgage cap to rise to 1.5 million from 1.0 million

https://financialpost.com/pmn/business-pmn/trudeau-loosens-mortgage-rules-in-bid-to-woo-younger-voters

09/16/2024

One of the biggest reform news on mortgage eligibility. Prime Minister Justin Trudeau’s government will make 30-year mortgages available to all first-time buyers and to buyers of newly built homes as the embattled leader tries to win back the approval of younger Canadians. Cap on insured mortgages to go up to 1.5 million from 1.0 million.

Prime Minister Justin Trudeau’s government will make 30-year mortgages available to all first-time buyers and to buyers of newly built homes as the embattled leader…

09/16/2024

One of the biggest mortgage eligibility reforms which is way overdue. Prime Minister Justin Trudeau’s government will make 30-year mortgages available to all first-time buyers and to buyers of newly built homes as the embattled leader tries to win back the approval of younger Canadians. Also insured mortgages to 1.5 million from 1.0 million.

Prime Minister Justin Trudeau’s government will make 30-year mortgages available to all first-time buyers and to buyers of newly built homes as the embattled leader…

09/15/2024

Trending towards a great Christmas with more rate cuts on the horizon

Economists anticipate that Canada's annual inflation rate in August fell to its lowest level since March 2021.

08/09/2024

The earlier you start planning, the more prepared you’ll be to face higher rates head-on.

🚀 Why Act Now?
- Understand Your Situation: Assess your current mortgage and future needs.
- Explore Options: Talk to your lender about refinancing, adjusting terms, or finding better rates.
- Prepare for Changes: Know what to expect when your renewal date arrives.

Contact Mortgage Guru -
📞(778) 879-6768
🌐 mortgageguru.ca
✉️ [email protected]

08/03/2024

“The B.C. government backtracks on their rushed decision by changing the tenant eviction notice from 4 months to 3 months for personal occupancy”

Why did they originally make this decision in the 1st place without consulting with the industry professionals? 3 months is better than 4, yet it still shuts out some since many monoline lenders only hold their rates and approval up to 90 days and not 120.

Is the government asking those lenders to all go up to 120 days in order to lend in B.C.?

07/12/2024

Inflation on the Rise? 📈

Check out the surprising spike in inflation rates this June!
With the Bank of Canada recently cutting rates, will this change the game for July?

Swipe through⬅️ to see how this could impact your mortgage rates and what experts are predicting next.

Contact Mortgage Guru -
📞(778) 879-6768
🌐 mortgageguru.ca
✉️ [email protected]

Stay informed, stay ahead🔍💡

04/02/2023

This Saturday was client appreciation day as Kyle Benzies - Licensed Mortgage Broker and I drove all across the Metro Vancouver to drop off gift baskets made up of some of our most favourite goodies just to say how blessed we are to be working side by side with people from all walks of life all with their own life stories. Our business model is to assist the clients in ways that we can look them in the eye years from now and say “we did things ethically and with outmost care” and continue to be their undisputed mortgage brokers for life.

Shout out to Russell Dela Cruz Real Estate/ Russell Dela Cruz for the amazing job that you did. Shout out to all our other referral partners as well, we really appreciate you 🙏🏼🙏🏼

Ramin Hallaji
Ramin Hallaji- Licensed Mortgage Broker
Kyle Benzies

02/15/2023

A look back at 2022, I have a lot to be thankful as it was a year filled with many amazing stories, twists and turns in this young, exciting but very fulfilling journey and new chapter in my family’s life.

When I moved back in June 2020 from Northern Alberta’s oilfields with 3 kids, my absolutely amazing partner Natasha Braun, our 2 dogs and 1 cat and being mentored by Asim Ali (best in the business) of our Royalty Financial family, I set a goal of making 100k in 2021 and learning as much as possible to set me up well for 2022. With some luck and working about 100 hours per week, was able to do over 20 million in about 10 months of actual brokering.

2022 was a completely different year. in January, I made the top 50 monthly revenue across Dominion in Canada. By May, one of my dearest friends joined me as my business partner (Kyle Benzies) and by the end of the year, even with the slowdown, we did 50 million in mortgages while getting a few recognitions from DLC and winning the CMP’s Rising Stars of Canada. We even opened our Langley office and hired our first full time licensed underwriter just last month.

None of this would have been possible without our amazing clients, referral partners and extremely supportive families and the incredible systems that Kyle Benzies has built and put in place. Cherry on the top was getting full custody of my oldest daughter which I personally believe topped everything else. Cheers to making many more dreams of home ownership into reality 🥂 (Kyle Benzies)

01/10/2023

Our FREE let's you easily get a Pre-Approval, View Rates, Calculate Payments and more. 😍
Download: https://cma.me/ramin-hallaji-dezfouli/download

Award winning mortgage broker team focussed on your success!

10/24/2022

It is truly a blessing to have access to this incredible bank which has made many of my clients extremely happy.

If you are self employed but do not claim a lot of personal income, there is a solution for you.

Kyle Benzies - Licensed Mortgage Broker

Applying for a mortgage as a self-employed home buyer means that the process may be different compared to someone with a traditional full-time job – and one professional who can help can help you navigate this process is a mortgage broker.

Find out how self-employed home buyers can benefit from working with a mortgage broker in our latest blog: https://www.hometrust.ca/blog/how-self-employed-home-buyers-can-benefit-from-working-with-a-mortgage-broker/