Perfect Mortgages

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Canada
Mississauga, ON
Perfect Mortgages

Providing unparalleled choice, convenience and counsel. We make mortgages easy... really easy! Did you know that all mortgages are not equal?

Two mortgages with the same interest rate aren't necessarily the same. I will clearly explain the differences, ensuring you get peace of mind and the best mortgages. Specialties:High Value Residential Mortgage Broker. Commercial and Construction Financing. Specializing in difficult Mortgages. Mortgage Alliance Perfect Mortgages is an independently owned and operated franchise of the Mortgage Alliance Network.
34 Lakeshore Road E, Mississauga ON | Lic #10389

02/23/2022

Did you buy a home in 2021? If so, you may be eligible for the Home Buyers’ Tax Credit. Click below to learn more : https://www.canada.ca/en/revenue-agency/services/tax/individuals/segments/homeowners.html

02/16/2022

1. Keep a good credit score! The higher the better, this is a snapshot of your financial health and lenders use this to gauge your ability to repay debts.

2. Save a down payment! The bigger the down payment the better – the minimum down payment when less than $500,000 is 5%, between $500,000 and $999,999 you will need 5% for the first $500K and 10% for the portion above $500K, and for $1 million+ you need 20% of the purchase price.

3. Keep your income stable. Lenders like to see proof that you can make your payments and a full-time job is the best way to show it.

4. Pay down existing debt. Your balances don’t need to be at $0 but how much debt you carry will affect how much you can borrow.

5. Get a mortgage pre-approval!

02/08/2022

A: When you are ready! The #1 thing you can do if you are thinking about buying is get advice early. Talking with a mortgage professional helps you understand:

👉 What you can afford
👉 The down payment you need
👉 Costs involved with buying a home
👉 Improving your credit
👉 Prepayment options
👉 Refinancing penalties (if you decide to do so down the road)
👉 Budgeting and more!

Reach out today and let's start the conversation.

02/01/2022

To best meet your needs, we offer a wide array of products to choose from – banks, private sources, independent lenders, etc.

Whether you are looking to explore your options or get a second opinion, the lending options available through the broker channel could save you thousands! Reach out today to learn more.

01/29/2022

If you are feeling overwhelmed by debt it might make sense for you to refinance your mortgage. Accessing equity in your home to pay off high interest debt is a smart financial move. Not only does it reduce interest payments, it can potentially free up more cash each month.

01/19/2022

Your credit score determines what loans you qualify for and the interest rate you will pay. Here are 4 tips to help you increase your credit score.

1. Pay all your bills on time.
2. Avoid maxing out your credit. Balances above 50% of your credit limit will harm your credit. Aim for balances under 30%.
3. Have a variety of credit accounts. Having a mix of credit products (credit card, retails store card, line of credit, car loan etc.) will produce more points on your file than having only one type of credit.
4. Use your credit! The biggest tip to a good score is to use credit and repay that credit on time all the time.

01/13/2022

Refinancing your mortgage or obtaining a HELOC (home equity line of credit) is a great way to fund a home renovation. 🏠🛠

👉 You get access to the cash 💰 you need at a lower borrowing cost. Reach out today to see the options available to you.

01/04/2022

We know that borrowing money is harder for self-employed Canadians which is one of the reasons why working with a Mortgage Broker is so important.

Brokers have access to lenders who specialize in self-employed mortgages and understand the challenges that business owners face. If you are self-employed and looking to buy, renew or refinance, send us a message!

12/29/2021

If your mortgage is coming up for renewal in 2022 send us a message or give us a call. It is your opportunity to renegotiate your mortgage and possibly save thousands. Automatically renewing your mortgage with your current lender could mean you don’t get the best mortgage rate and terms you may qualify for.

12/21/2021

A mortgage pre-approval lets you know how much mortgage you can carry based on your qualifications. Being pre-approved for a mortgage saves you time and increases your negotiating power when you find the home you love.

If you are thinking of buying, send us a message for a pre-approval. It’s quick, easy and free.

12/16/2021

Using a mortgage broker gives you access to lending options you can’t get on your own. We deal with many lenders, from major banks to private lending options. This gives you more choices with one simple call.

Reach out today to schedule a free consultation.

12/10/2021

Your credit score helps determine how much money you can borrow and the interest rate you will pay. It is important to keep a good credit score. To help with this don’t go over your credit limit and try to use less than 35% of your available credit. It’s better to have a higher credit limit and use less of it each month.

For example, if your available credit is $15,000, try not to borrow more than $5,250 at a time, which is 35% of $15,000.

If you use a lot of your available credit, lenders see you as a greater risk. This is true even if you pay your balance in full by the due date. If you have any questions, always remember we're here to help.

Address

34 Lakeshore Road East
Mississauga, ON
L5G1C8

Telephone

+14164601621

Website

http://howardklein.ca/

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