Kamran Etessam - Mortgage Broker

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Canada
Richmond Hill, ON
Kamran Etessam - Mortgage Broker

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Residential Mortgage, Commercial Mortgage & Construction Loan

10/30/2026

Bank of Canada: 2.50% 📈
Prime rate at most major banks: 4.70%

Does that mean ALL mortgage rates go up? 🤔 Not necessarily!

📈 Variable rates follow prime, so they may rise
📊 Fixed rates follow bond yields and market conditions, so they don’t automatically rise

A 0.25% increase doesn’t mean every mortgage rate moves by 0.25%.

Buying, renewing or refinancing? Let’s talk about what this means for YOU.

📞 Call (647) 931-3639

10/21/2026

If youve recently been declined, lets review your application together, understand what happened, and explore the options that may still be available to you.

📞 Call my office today at (647) 931-3639 for a confidential mortgage review. One lender said no. Lets find out what the next opportunity looks like.

10/14/2026

Curious about reverse mortgages but not sure how they work?
I break down the basics, answer your questions, and help you decide if it’s worth considering.

📞Skip the Googling, call my office at (647) 931‑3639 and ask me anything.

10/10/2026

💼 Self-employed and thinking about a mortgage?

Your income may look different on paper, but that doesn't mean your mortgage options disappear!

Whether you're buying a home or refinancing, let's explore the options that may work for your situation.

📞 Call my office: (647) 931-3639

Let's talk about your mortgage options!

10/08/2026

More mortgage options = a stronger start.

Working with a broker means comparing multiple lenders — not just one. It’s the easiest way to find a mortgage that fits your goals and your budget.

📞 Call my office: (647) 931‑3639

10/03/2026

🏡💡 Using a HELOC? Make Sure It Truly Supports Your Goals

A HELOC can create helpful financial breathing room — but only when the balance fits comfortably into your monthly cash flow.

Because a home equity line of credit is secured by your home and usually comes with a variable interest rate, the cost of carrying a balance can change over time. That’s why it’s important to look beyond how much equity is available and focus on what you actually need, how long you expect to carry the balance, and how repayment fits into your budget.

I help clients review the numbers before they borrow, so the HELOC becomes a tool that supports your goals rather than adding pressure.

👉 If you’re thinking about using a HELOC, call my office at (647) 931‑3639 and let’s make sure the extra room works for you, not against you.

10/01/2026

💡🏡 The Rate Isn’t the Whole Story

A great mortgage rate can look appealing, but the fine print can completely change the deal.

Prepayment rules, penalties, portability, payment flexibility, and other mortgage terms all impact how that mortgage works once you’re actually in it.

That’s where I come in. I look beyond the headline rate, break down the details, and help you understand exactly what’s attached to the offer — so you can make a confident, informed decision.

If you want clarity on the fine print and how it affects your long‑term plans, I’m here to help.

📞 Call my office: (647) 931‑3639

09/29/2026

kamranetessam.mortgage
💡🏡 A Mortgage Is More Than Just a Rate
A mortgage isn’t only about the rate and the payment — the features built into it can matter just as much.

Depending on the lender and product, options like prepayment privileges, portability, payment frequency choices, and the ability to increase regular payments can give homeowners meaningful flexibility as their finances and plans evolve.

That’s why I always look beyond the headline numbers. Understanding how a mortgage works today — and what it allows you to do later — helps you choose financing that truly fits your needs.

If you want clarity on which mortgage features can give you more flexibility, I’m here to help.

Call me! 📞 Office: (647) 931‑3639

09/25/2026

Fall brings change, and your mortgage might need a fresh look too.
Your goals, income, and home equity evolve over time, so it’s worth checking if your current mortgage still fits your life today.

Want a quick review of your options?
📞 Call my office: (647) 931‑3639

09/24/2026

Great energy at The MortgageFest, Toronto - Inspiring speakers, solid insights, and always good to connect with lenders, BDMs, and friends in the industry.
Proud to be part of this community and always learning to better serve our clients.

Address

95 Mural Street 6th Floor
Richmond Hill, ON
L4B3G2

Telephone

+16479313639

Website

http://www.KamranEtessam.com/

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