Mortgages by Rahul

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Mortgages by Rahul Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Mortgages by Rahul, Mortgage brokers, 247 Killam Drive, Moncton, NB.

Helping NB & NS clients with residential, commercial, private, and investment mortgages.
🏆 2024 Sales Achievement Award
First-time buyers, refinancing & investors — making mortgage financing simple and stress-free.
📞 Contact me to get started!

10/17/2026

Everyone’s mortgage goals look different. The important part is having a plan that fits your priorities and financial situation.

So… what are your 2?

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

10/16/2026

A $500K mortgage isn’t just about the amount you borrow, it’s about how you structure and manage it over time.

At typical rates, the interest over a 25-year amortization can add up significantly. That’s why mortgage strategy matters beyond simply chasing the lowest rate.

Make extra payments when it makes sense
Build equity over time
Review your mortgage as your income and goals change
Understand how your payment is being split between principal and interest

The goal is to make your mortgage work for your long-term financial plans—not just make the monthly payment.

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

Being approved for $700K doesn’t mean you should spend $700K.Your lender looks at your income, debts, GDS, TDS and the s...
10/15/2026

Being approved for $700K doesn’t mean you should spend $700K.

Your lender looks at your income, debts, GDS, TDS and the stress test. But your real life includes groceries, childcare, savings, repairs, vacations and everything else that comes with owning a home.

The better question isn’t “How much can I borrow?”

It’s “How much can I comfortably live with?”

Because the right mortgage should leave room for your life, not just your house.

Want to know what your comfortable number could look like? Let’s talk.

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

I don’t know who needs to hear this, but your mortgage approval isn’t built overnight.When the time comes to apply, you’...
10/08/2026

I don’t know who needs to hear this, but your mortgage approval isn’t built overnight.

When the time comes to apply, you’ll be glad you prepared early.

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

10/07/2026

Mortgage math can be eye-opening.

Early in your mortgage, a larger portion of each payment typically goes toward interest. That’s why even small, consistent extra payments toward your principal can make a difference over time.

The numbers will look different for everyone, but understanding your mortgage math can help you make more informed decisions.

Want to see the numbers for your mortgage? DM me and let’s see them.

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

Term and amortization sound similar, but they’re not the same thing.Your term is how long your current mortgage contract...
10/06/2026

Term and amortization sound similar, but they’re not the same thing.

Your term is how long your current mortgage contract lasts. Your amortization is the overall timeline for paying off the mortgage.

Knowing the difference can help you understand what happens at renewal, and how long you’re actually paying off your mortgage.

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

Your Mortgage Rate Isn’t The Whole Story.• Look beyond the lowest rate• Consider the term and your future plans• Underst...
10/03/2026

Your Mortgage Rate Isn’t The Whole Story.

• Look beyond the lowest rate
• Consider the term and your future plans
• Understand the penalty risk before signing
• Check the features that give you flexibility
• Choose a mortgage that fits your life, not just today’s rate

The right mortgage is about more than a number.

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

10/03/2026

When I see a friend buy a house or refinance and they didn’t call me first…

Like… I thought we were friends?

I could’ve helped you compare options
We could’ve talked through the numbers
You might have had more options than you realized
At least let me pretend I’m useful

Next time, call your mortgage friend first.

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

10/02/2026

Fixed or variable? Here's what actually drives each one.

Right now, variable is sitting well below fixed. It would likely take several rate hikes before variable costs more than today's fixed rate, but that can change. Nothing's guaranteed.

Penalties matter too:
🔹 Breaking variable: usually 3 months' interest
🔹 Breaking fixed: the greater of 3 months' interest or the IRD, which can be much higher

A couple more things worth knowing: some variable mortgages keep your payment steady as rates move, though more goes to interest and less to principal when rates rise. And most let you convert to fixed later if you want certainty.

The right choice depends on your plans, your penalty risk, and how much uncertainty you're comfortable with.

Not sure which fits you? Let's talk it through.

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

10/01/2026

Think today's rates are high? Let's zoom out.

In 1981, Canadian mortgage rates hit 21.75%. Yes, really.

Here's the ride over the last 50 years:

📍 1975: ~10.75%
📍 1981: ~21.75% (historic peak)
📍 1990: ~13.25%
📍 2000: ~8.25%
📍 2010: ~5.25%
📍 2020: ~2.50%
📍 2026: ~4.04%

The 80s and early 90s were rough. Today's rates, while higher than the 2020 lows, are still well below the long-term average.

Perspective matters.

To connect with me:
📞 Call: 506-260-3331
📧 Email: [email protected]
🌐 Visit: rahulvinod.ca

Address

247 Killam Drive
Moncton, NB
E1C3S7

Telephone

+15062603331

Website

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