John Ignatius - Mortgage Alliance Access Inc.

John Ignatius - Mortgage Alliance Access Inc. My main objective is to deliver value to my customers by providing the right information, and make s

Did you know that extra income could help you qualify for a mortgage? It’s not just about your main job—lenders consider...
12/03/2024

Did you know that extra income could help you qualify for a mortgage? It’s not just about your main job—lenders consider all of your income sources!

🔑 What Counts as Extra Income?
🔹 Side hustles or freelance work
🔹 Rental income (like a basement suite)
🔹 Child tax benefits
🔹 Overtime, bonuses, or part-time jobs

💡 How I Can Help:
🔹 Show you how to include extra income in your application.
🔹 Connect you with lenders who value all your income sources.
🔹 Guide you through the approval process to secure the best deal.

Ready to make your dream home a reality? Reach out to get started! 🏡✨

As you may have heard, the minimum down payment requirement for insured mortgages is now expanding from $1 million to $1...
11/26/2024

As you may have heard, the minimum down payment requirement for insured mortgages is now expanding from $1 million to $1.5 million.

As of December 15th, buyers can take advantage of lower down payment options. Instead of the previous 20% requirement for homes over $1 million, you can now pay 5% on the first $500,000 and 10% on the remaining amount up to $1.5 million.

This change can reduce the minimum down payment by over $100,000 for homes priced between $1 million and $1.5 million, making homeownership more accessible.

Reach out for more information.

Feeling the pinch of elevated mortgage rates or high-interest consumer debt? Now might be a great time to consider break...
11/20/2024

Feeling the pinch of elevated mortgage rates or high-interest consumer debt? Now might be a great time to consider breaking your mortgage contract! While it's important to be aware of potential fees, refinancing can lead to significant savings. Plus, refinancing to pay off high-interest debt can really help increase monthly cashflow.

Reach out and start the conversation about how refinancing could work for you!

Two major banks predict a 1.75% rate cut by late 2025, possibly lowering the Bank of Canada’s rate to 2.00%. With recent...
11/12/2024

Two major banks predict a 1.75% rate cut by late 2025, possibly lowering the Bank of Canada’s rate to 2.00%. With recent cuts already underway, now’s a great time to review your mortgage strategy. Whether you're leaning toward variable or fixed rates, I can guide you to the best choice for your goals.

Reach out today!

It’s Financial Literacy Month! Talking about finances with family and friends isn’t always easy—many Canadians feel unco...
11/04/2024

It’s Financial Literacy Month! Talking about finances with family and friends isn’t always easy—many Canadians feel uncomfortable or even judged when discussing money. But these conversations are essential for building financial confidence and enhancing financial well-being.

Whether it’s about managing debt, budgeting, or understanding credit scores, opening up is the first step. This month, take action by sharing one financial goal you’re working toward! 📈💬

Before you dive into the exciting world of home shopping, getting pre-approved for a mortgage is a crucial first step! H...
10/29/2024

Before you dive into the exciting world of home shopping, getting pre-approved for a mortgage is a crucial first step! Here’s why:

1️. Know Your Budget: Pre-approval gives you a clear idea of how much you can afford, helping you focus your search on homes within your price range.

2️. Strengthen Your Offer: Sellers take pre-approved buyers more seriously, which can give you a competitive edge in a hot market.

3️. Streamline the Process: With pre-approval, you’ll speed up the mortgage process once you find your dream home, making for a smoother transaction.

Your credit rating is how lenders check to see how reliable you are about paying your debt. Your credit history is consi...
10/22/2024

Your credit rating is how lenders check to see how reliable you are about paying your debt. Your credit history is considered a reliable indicator of how you will manage your mortgage and finances. A less-than-stellar rating can affect your ability to get the best mortgage rates.

I have access to strategies to help you polish your credit or build (or rebuild) your credit over time, giving you access to the best possible rates and more borrowing options. If you have shaky credit and need a mortgage now, reach out. We may be able to find a way!

Dreaming of a home renovation but concerned about the costs? There are plenty of financing options to help you transform...
10/16/2024

Dreaming of a home renovation but concerned about the costs? There are plenty of financing options to help you transform your space!

1️. Mortgage Refinancing: Tap into up to 80% of your home's value by refinancing your mortgage.

2️. Purchase Plus Improvements (PPI) Mortgage: Bundle renovation costs into your mortgage when buying a new home.

3️. CMHC Mortgage Loan Insurance: Add renovation expenses to your mortgage with as little as 5% down.

4️. Line of Credit or Home Equity Loans: Use your home’s equity for a flexible renovation fund.

Contact me to explore the best financing option for your renovation!

Starting December 15th you can qualify for an insured mortgage up to $1.5 MILLION with a 30-year amortization. That mean...
10/07/2024

Starting December 15th you can qualify for an insured mortgage up to $1.5 MILLION with a 30-year amortization. That means increased buying power and lower monthly payments—bringing your dream home within reach.

Reach out to today to see how this can benefit you! 📲

📚 Navigating the world of mortgages can be confusing, especially with all the jargon. Here are some essential terms you ...
10/02/2024

📚 Navigating the world of mortgages can be confusing, especially with all the jargon. Here are some essential terms you should know:

1️. Fixed Rate: Your interest rate stays the same for the entire loan term, giving you predictable payments.

2️. Variable Rate: Your interest rate can change based on market conditions, potentially leading to lower initial payments but with some risk.

3️. Amortization: The process of paying off your mortgage over a specified period, usually 15-30 years.

4️. Pre-Approval: A lender’s commitment to lend you a certain amount, based on your financial situation, which strengthens your position when house hunting.

Understanding these terms can help you make informed decisions about your mortgage. Have more questions? Send me a message! 🏡💬

Want to tap into your home’s equity? Here’s a quick HELOC guide:📌 Check Equity: Borrow up to 65-80% of your home’s value...
09/23/2024

Want to tap into your home’s equity? Here’s a quick HELOC guide:

📌 Check Equity: Borrow up to 65-80% of your home’s value.

📌 Review Credit Score: A strong score gets better terms—need help? Contact me!

📌 Gather Documents: Prepare income proof, property details, and mortgage info.

📌 Shop Rates: Contact me and I can find the best rates and terms for you.

📌 Apply: Once you choose a lender, submit your application and start the process!

Address

209-8130 Sheppard Avenue
Toronto, ON
M1B3W3

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm

Telephone

+14162780432

Website

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