ISaini Mortgages

12/04/2025

Lovely evening out at the VERICO 2025 Cocktail Soiree 🥂🥳🎄

11/26/2025

🎁✨ Join us in spreading holiday cheer! ✨🎁

This season, we’re proud to support the CTV Toy Mountain Campaign benefiting The Salvation Army🎄 Every new, unwrapped toy donation can make a world of difference for a child in need — even the smallest gift can bring the biggest smile ❤️

👉 Drop off your toy donations by December 11th:
📍 340 Ferrier Street, Suite 201, Markham, ON L3R 2Z5

💡 Tweens and teens (10+) are often the most overlooked age group — Some gift ideas include: curling irons, digital music players, hair dryers, hair kits, makeup kits, jewelry, electronics, books, hoodies, sporting goods, backpacks, school supplies, board games, scarves and gloves.

If you can’t make it to my office, send me a DM and I'll arrange a pickup 🎁

Let’s come together to make this holiday season a little brighter 💫

02/04/2025

Fixed, variable, or adjustable rate – which mortgage product is right for you? Let’s break it down! 👇👇👇

Fixed-rate mortgages mean consistent payments, but they’ve taken a slight backseat recently as the Bank of Canada has been lowering the overnight rate 🥶

Variable-rate mortgages which are commonly found with big banks keep your payments steady, but the breakdown changes. If your variable drops, more of your payment goes to principal; if rates rise, more goes to interest. This can significantly affect your amortization over time (my personal record was 79 years amortization remaining on one of my mortgages at the peak) 😨😨😨

Adjustable-rate mortgages have mortgage payments that adjust with any changes in your interest rate. If your rate drops, your payments decrease – and if they rise, your payments increase. But your amortization stays on track 🤝🏼

Many borrowers lately have been leaning toward adjustable-rate products to try and capitalize on potential payment reductions as rates fall 📉

Choosing the right product depends on your risk tolerance, affordability, goals, among other factors 💯 Let’s find the perfect fit for you. Contact me today for a smooth, tailored mortgage experience! 📲

03/11/2024

Are you looking to buy your first home, but not sure where to start ⁉️

Tired of renting and ready to purchase your first home this year? 😮

BUY your FIRST HOME with CONFIDENCE and join us at our FREE First Time Home Buyer Discussion ✅️

and I are hosting our First Time Home Buyer discussion on Saturday, March 23rd between 12PM and 2PM. The discussion will be held at RE/MAX Hallmark Realty located at 685 Sheppard Ave E #401, North York, M2K 1B6 📍

We are extending the invite to anyone who is looking to purchase their very first property in the GTA and surrounding areas 🏡🏢

Some topics we’ll be discussing include the buying process from start to finish, rebates, the mortgage stress test, any hidden costs involved throughout the process and the current state of the market 😀

For more information, you can contact either or myself and we’ll be happy to answer any questions that you have. Register on Eventbrite today by clicking this link: https://propertyownership.eventbrite.ca

We look forward to seeing you on March 23rd! 👋🏼

01/27/2024

Has life thrown you curveballs that you weren't anticipating? 😟 Know that you're not alone! 🙏🏽

If you have higher interest debt such as credit card balances, unsecured lines of credit, personal loans, etc., a debt consolidation mortgage may make sense for you ♻️

Not only would you be potentially saving on the total interest costs paid between all your liabilities, a debt consolidation mortgage can also provide peace of mind of not having to pay multiple bill statements each month 🧠

Curious to know if a debt consolidation mortgage makes sense for you? Send me a DM, let's connect and let's do the math! 👨🏾‍💻

12/13/2023

Looking for the 'best' interest rate?! Well, you've found it! 0% with 100% down payment 😅

All jokes aside, working with a mortgage broker who works with multiple lending institutions is always recommended as we can always assess your unique details and recommend the best products based on your preferences and needs ✅️ It's not a one size fits all approach!

The lowest rate with the wrong strategy can ultimately end up costing you more in the long run than a slightly higher rate with the right strategy. Food for thought! 🤔

11/07/2023

Living in the GTA? 🏠 Working in the GTA? 👨‍💼 Not qualified to purchase a rental property within the GTA? 😟

Purchasing a property away from where you reside can feel daunting! 😖

Here's a list of professionals that you may want to have on your power team if you're looking to invest remotely:

● Property Manager 🔑
● Realtor 👩‍💼
● Mortgage Agent 📊
● Contractor 👷‍♂️

Open your horizons, the world is your oyster 🌎

05/28/2023

For the love of real estate! 📚 Authors spend months and even years to compile their experiences, philosophies, and knowledge into information that's accesible in the palm of our hands 💡 Take advantage!

03/20/2023

Stop Waiting to Put a Ring on It! 💎

Check out this month's featured blog post about co-buying and investing!

We’ve been hearing a lot of the narrative that you have to go out and settle down to finally get into the real estate market lately. As interest rates trend up and affordability stays low, making an individual, single income purchase can be a stretch. Did you know that there’s another option tha...

02/24/2023

Invest in yourself! 💯 The more you do, the more you can help those around you ✅ You're worth it!