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AG Mortgage Team

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Andrew Gad
Mortgage Agent Level 2
Premiere Mortgage Centre Inc. Brokerage Lic #10317

10/11/2026

🍁 Happy Thanksgiving from the AG Mortgage Team.

Every file this year had a name on it. Thank you for trusting our team with the complicated part, and thank you to the agents, accountants and advisors who send us the files that do not fit the box.

Enjoy the long weekend and the people around the table.

Andrew

• • •

10/09/2026

🗂 If your income lives inside a corporation, the bank and our team are reading two different files.

The bank reads the personal return. Two years, averaged, and if the second year is lower, that is the number. For an incorporated physician, dentist or consultant who kept income in the company on purpose, that number can be a fraction of what actually runs the household.

What our team reads alongside it:

✅ The corporate financials, including what stayed in the company
✅ The trend across the two years, not just the average
✅ Salary plus dividends, and how each lender treats them
✅ A signed contract with a start date, which for a resident finishing in June is the income
✅ The lenders built for professionals, not the one box that says no

None of this is a workaround. It is the file read in full, by people who do it every week.

If you are incorporated and a purchase, a refinance or a renewal is inside the next year, call the team at 416-454-4783. 📞

• • •

10/04/2026

🗂 Which number should a lender read: the salary you chose, or the practice you built?

An incorporated physician. Forest Hill to buy, Leaside to sell, ninety days between the two. The bank read the tax return and stopped there. We read the corporation, the equity, and the calendar.

The whole file is in the slides. Slide 7 is the one worth saving.

Which lender said yes first is not the question. Which lender read it properly is.

🔗 agmortgageteam.ca

10/02/2026

🍂 Fall in Toronto is when the real work starts.

Summer slows things down. People take trips, push decisions, enjoy the weather. But there is a shift that happens in September. The energy changes. Conversations go from "maybe next year" to "let us figure this out now."

Our team sees it every fall. The files get more focused. The questions get more specific. And the clients who waited for the right moment start making moves.

Whether it is a purchase, a renewal, or restructuring something that has been on your mind, fall is the season for it.

We are ready when you are.

Andrew

📞 416-454-4783 | agmortgageteam.ca

09/30/2026

Today is the National Day for Truth and Reconciliation.

Our team works on land that is the traditional territory of many nations, including the Mississaugas of the Credit, the Anishnaabeg, the Chippewa, the Haudenosaunee and the Wendat, and is now home to many First Nations, Inuit and Métis people. That sentence is read at the start of a lot of meetings in this city. Today is a day to slow down and mean it.

We spend our working lives on the idea of home. Residential schools took children from theirs. The survivors, and the families of the children who never came back, carry that loss in the present tense. Listening to them is the work.

There's no call to action here beyond the 94 that already exist. If you haven't read them, today is the day.

09/28/2026

🤝 The listing agent does not work for us. But how our team handles the file decides whether their deal closes.

Here is what agents tell us after a transaction: the pre-approval was real, not a template letter with a number on it. Verified income, confirmed down payment source, a lender who had read the file before the offer went in. The financing condition held up. The lawyer had the instructions early. Nobody was chasing a document on closing day.

That is why the same agents, accountants and advisors send us their next file, and the one after that. Partnerships are built in the forty-eight hours when a deal looks like it might not close.

To every partner who trusted us this year: thank you. To the ones we have not worked with yet, the door is open. Send us the file that does not fit the box.

🌐 agmortgageteam.ca

• • •

09/22/2026

📋 Four decisions Toronto homeowners make before December 31, and the order we review them in.

The last quarter is when the structure gets decided for next year. Here is what our team is walking clients through right now:

✅ Renewal inside six months? Start the review now, not when the letter arrives. The letter is written to be signed.

✅ Prepayment room unused? Most terms allow a lump sum each year. Unused room does not carry forward, so if the cash is sitting, this is the window.

✅ Equity plans for the new year? A refinance for an investment, a renovation or a family need takes weeks, not days. Structure it this quarter to use it in the next.

✅ Buying in January? A rate hold taken in October protects the winter search either way rates move.

None of these is urgent on its own. Together they are the difference between a mortgage that fits 2027 and one that fits 2023.

If any of the four is on your list, call the team at 416-454-4783. 📞

• • •

09/10/2026

📊 The fall market in Toronto is already moving.

Buyers who paused through the summer are coming back with clearer goals and stronger files. Inventory is shifting. And in the $1M+ segment, the dynamics are different from what the headlines suggest.

What we are seeing right now:

✅ Move-up buyers in Leaside, the Beaches, and Forest Hill are finding more room to negotiate than they had in the spring

✅ Pre-construction investors are re-evaluating occupancy timelines and financing structures

✅ Renewal clients with properties over $1M are exploring refinancing options they did not have six months ago

The fall window in Toronto is real but it is shorter than most people think. The serious decisions happen in the next eight to ten weeks.

If you are considering a purchase, a refinance, or a renewal, this is a good time to have the conversation.

📞 416-454-4783 | agmortgageteam.ca

09/04/2026

📋 Accountants: the self-employed mortgage conversation to have with your clients.

Minimizing taxable income is smart for taxes. But the NOA is what lenders see. If income is optimized for tax purposes, mortgage qualification follows that number.

What to coordinate on:

✅ Two years of NOAs and T1 generals. Most lenders need both.
✅ Business financials: some lenders look beyond the NOA.
✅ Timing: filing early matters. Older NOAs may show lower numbers.

When accountants and mortgage professionals coordinate early, the client gets tax efficiency and mortgage qualification.

Want to connect? Always available.

📞 416-454-4783 | agmortgageteam.ca

09/03/2026

The Bank of Canada held at 2.25% yesterdayt, the eighth consecutive hold.

For first-time buyers in Toronto and the GTA, here is what that actually means.

National Bank and Scotiabank are now forecasting a hike to 2.50% in October and 2.75% by December. Why? Inflation is at 3%, above the BoC target. And tariffs are adding an estimated $15,000 to $25,000 to the cost of every new home built in Ontario.

The hold buys time. But it does not buy as much time as it used to.

A pre-approval today locks your rate for 120 days. That covers October. White-glove guidance means we walk through all of this with you, step by step.

📞 416-454-4783 | agmortgageteam.ca

Address

1655 Dupont Street
Markham, ON
M6P3S9

Telephone

+14164544783

Website

https://link.agmortgageteam.ca/

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