Romina Arian Professional Mortgage Services

Romina Arian Professional Mortgage Services Working with a crew of passionate experts, great lenders, and industry pioneers. So not worry about y

A new year brings new opportunities, and 2026 is shaping up to be a buyer-friendly market. With more inventory, less com...
01/05/2026

A new year brings new opportunities, and 2026 is shaping up to be a buyer-friendly market. With more inventory, less competition, and stable rates, this could be the right moment to make a move.

Whether you’re:
🏑 Thinking about purchasing a new property
πŸ“Š Wanting to get pre-qualified or re-assess your buying power
πŸ’³ Looking to consolidate high-interest debt
πŸ”‘ Exploring alternative funding or non-traditional lending options

We’re here to help. At with access to a wide range of lenders and solutions, there is often an opportunity that can be tailored to your goals …. even when traditional routes may not seem possible.

πŸ“© Reach out anytime to explore your options, ask questions, or simply start the conversation.
Your next opportunity might be closer than you think.

πŸ”‰πŸ”‰The Bank of Canada lowered its key interest rate again by 0.25% (25 basis points) today, bringing it down to 2.25%. Th...
10/30/2025

πŸ”‰πŸ”‰The Bank of Canada lowered its key interest rate again by 0.25% (25 basis points) today, bringing it down to 2.25%. This marks another step in the ongoing effort to support the economy as inflation continues to cool.

Since beginning this easing cycle in June 2024, the Bank has reduced its rate by 2.75% (275 basis points) from a peak of 5%, its highest level in over two decades.

Here’s how today’s decision could affect you:

Variable-rate mortgages: You can expect a drop in your interest rate and monthly payments once lenders adjust their prime rates. Most major lenders are expected to move to 4.45%, with TD Bank slightly higher at 4.60%.
Fixed-rate mortgages: There’s no immediate change today. Fixed rates are influenced more by bond yields, which may still shift based on how markets interpret the Bank’s tone and inflation outlook.
Lines of credit and other loans tied to prime: Borrowing costs should ease slightly as prime rates move lower.
The Bank’s next rate announcement is scheduled for December 10. Between now and then, inflation and economic trends will guide whether further cuts are likely.

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Romina A***n FSCO | [email protected]| 647.871.6307

Is πŸ‡¨πŸ‡¦ Canada in an β€œInformal Recession” Right Now?CIBC’s Deputy Chief Economist Benjamin Tal at 2025 MPC confirms Canada...
10/22/2025

Is πŸ‡¨πŸ‡¦ Canada in an β€œInformal Recession” Right Now?

CIBC’s Deputy Chief Economist Benjamin Tal at 2025 MPC confirms Canada is already in a per-capita recession β€” with Ontario and B.C. hit hardest. Growth has stalled, trade tensions are rising, and housing activity is frozen.

πŸ“‰ GDP per person is shrinking as high rates choke spending.
🏠 Condo prices are down 20–22%, with more declines ahead.
πŸ’Έ Up to 10% of borrowers face 50%+ mortgage payment hikes at renewal.
🧾 Inflation has normalized near 2%, meaning policy is now too tight.
πŸ“‰ A 25bps rate cut is expected soon, with another possible by early 2026.

That being said, the Bank of Canada must cut rates now to prevent deeper damage, noting inflation is no longer the issue β€” the economy is!!

βœ‚οΈ The Bank of Canada has cut its key interest rate by 25 basis points to 2.5%, its lowest in three years, as the econom...
09/17/2025

βœ‚οΈ The Bank of Canada has cut its key interest rate by 25 basis points to 2.5%, its lowest in three years, as the economy shows signs of weakness. Growth contracted in Q2, unemployment is rising, and exports remain soft amid U.S. tariff pressures. With inflation easing and some retaliatory tariffs removed, the Bank sees less risk of overheating but more concern about slowing demand. Policymakers signaled they are prepared to cut rates further if downside risks persist, keeping trade tensions and the labour market in sharp focus.

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Romina A***n FSCO | [email protected]| 647.871.6307

πŸ”‰When the Bank of Canada lowers its key interest rate, borrowing generally becomes cheaper. For borrowers with variable-...
09/17/2025

πŸ”‰When the Bank of Canada lowers its key interest rate, borrowing generally becomes cheaper. For borrowers with variable-rate mortgages or lines of credit, monthly payments may decrease as lenders adjust rates downward. Fixed-rate mortgages may also become more affordable if bond yields drop in response to the cut. Overall, the reduction aims to ease financial pressure on households and businesses, encouraging more spending and investment in a slowing economy.

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Romina A***n FSCO | [email protected]| 647.871.6307

πŸ“’ Canada’s economy contracted 1.6% in Q2, hit hard by tariffs and a steep 26.8% drop in exports. Business investment als...
09/06/2025

πŸ“’ Canada’s economy contracted 1.6% in Q2, hit hard by tariffs and a steep 26.8% drop in exports. Business investment also fell sharply, while households provided some support through stronger spending and housing activity, though savings continue to erode.

Job losses are mounting in trade-sensitive sectors, especially manufacturing in Ontario and Quebec. The Bank of Canada is cautious, watching to see if labour market weakness spreads before considering further rate cuts.

Housing affordability remains in focus, with the Bank’s 2026 review set to examine how monetary policy influences mortgages and financial stability, though not affordability directly.

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Romina A***n FSCO | [email protected]| 647.871.6307

Happy Labor Day! Today we honor the dedication, resilience, and achievements of workers everywhere. Here’s to rest, refl...
09/01/2025

Happy Labor Day! Today we honor the dedication, resilience, and achievements of workers everywhere. Here’s to rest, reflection, and celebrating the power of hard work.

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Romina A***n FSCO | [email protected]| 647.871.6307

A HELOC (Home Equity Line of Credit) and a Home Equity Loan are both ways of borrowing against the equity you’ve built i...
08/27/2025

A HELOC (Home Equity Line of Credit) and a Home Equity Loan are both ways of borrowing against the equity you’ve built in your home, but they work differently:

πŸ”Ή Home Equity Loan (HEL)
β€’ Lump-sum loan, like a second mortgage.
β€’ You receive all the money upfront.
β€’ Fixed monthly payments (principal + interest).
β€’ Interest Rate: Usually fixed.
β€’ Best For: One-time, large expenses (e.g., home renovation, debt consolidation, tuition).

πŸ”Ή Home Equity Line of Credit (HELOC)
β€’ Revolving credit line (like a credit card, but secured by your home).
β€’ You can draw money as needed, up to a limit.
β€’ During the draw period (often 5–10 years), you can borrow, repay, and borrow again. Payments are usually interest-only at first. After that, in the repayment period, you must pay back principal + interest.
β€’ Interest Rate: Usually variable (tied to prime rate).
β€’ Best For: Ongoing or uncertain expenses (e.g., phased home project.

Contact your trusted broker to see which option works better for you.

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Romina A***n FSCO | [email protected]| 647.871.6307

Here’s to the dadsβ€”biological, chosen, and everything in betweenβ€”who show up, lift us up, and love without limits. Happy...
06/15/2025

Here’s to the dadsβ€”biological, chosen, and everything in betweenβ€”who show up, lift us up, and love without limits. Happy Father’s Day!

As of May 27, 2025, the Canadian government has introduced a new First-Time Home Buyers’ GST Rebate (FTHB GST Rebate) ai...
05/30/2025

As of May 27, 2025, the Canadian government has introduced a new First-Time Home Buyers’ GST Rebate (FTHB GST Rebate) aimed at making homeownership more accessible for first-time buyers. Here’s an overview of the program: οΏΌ

βΈ»

🏠 First-Time Home Buyers’ GST Rebate (FTHB GST Rebate)

Eligibility Criteria:
β€’ Must be at least 18 years old.
β€’ Must be a Canadian citizen or permanent resident.
β€’ Must not have owned or lived in a home owned by you or your spouse/common-law partner in the past four calendar years.
β€’ The purchased property must be intended as your primary residence. οΏΌ οΏΌ

Rebate Details:
β€’ Full Rebate: For new homes priced up to $1 million, eligible buyers can receive a 100% rebate on the federal portion of the GST, potentially saving up to $50,000.
β€’ Partial Rebate: For homes priced between $1 million and $1.5 million, the rebate phases out linearly. For example, a $1.25 million home would qualify for a 50% rebate.
β€’ No Rebate: Homes priced at $1.5 million or more are not eligible for this rebate. οΏΌ οΏΌ

Eligible Property Types:
β€’ New homes purchased from a builder.
β€’ Owner-built homes.
β€’ Shares in a cooperative housing corporation. οΏΌ οΏΌ

Program Timeline:
β€’ Purchase agreements must be signed between May 27, 2025, and December 31, 2030.
β€’ Construction must be substantially completed by December 31, 2035.

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Romina A***n FSCO | [email protected]| 647.871.6307

βš™οΈ The terms mortgage co-signer and guarantor both refer to someone who helps a borrower qualify for a mortgage, but the...
05/27/2025

βš™οΈ The terms mortgage co-signer and guarantor both refer to someone who helps a borrower qualify for a mortgage, but they differ significantly in their legal responsibilities, involvement, and risks.

1. Ownership
β€’ Co-signer: On both the mortgage and property title (joint owner).
β€’ Guarantor: On the mortgage only, not on the title (no ownership).
2. Responsibility
β€’ Co-signer: Shares full responsibility from the start.
β€’ Guarantor: Pays only if the borrower defaults.
3. Credit Impact
β€’ Both: Credit scores are affected by missed payments.
4. Usage
β€’ Co-signer: Helps borrower with income or credit issues.
β€’ Guarantor: Helps borrower qualify without being on title.
5. Tax & Legal
β€’ Co-signer: May face capital gains tax if not living in the property.
β€’ Guarantor: No ownership = no capital gains exposure.

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Romina A***n FSCO | [email protected]| 647.871.6307

Address

121 Harbord Street, Toronto ON M5S 1G9
Toronto, ON
M5R1B9

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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