Johnson Andrews, MBA

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Toronto, ON
Johnson Andrews, MBA

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Johnson Andrews, MBA, Mortgage brokers, Toronto, ON.

Johnson has been recognized as one of the Canadian Mortgage Professionals Rising Stars for 2020 and selected as a finalist for the award of Best New Agent for the 2020 Mortgage Awards of Excellence.

01/10/2025

🌟 Exciting News! 🌟

I’m thrilled to share that I have joined the amazing team at 8Twelve Mortgage Brokerage! This is a huge step for me, and it’s all about providing YOU with even better service, resources, competitive rates and products 🙌

What does this mean for you?
✔️ Seamless Transition: Your current mortgage and pre-approvals are unaffected—I’m still your go-to person!
✔️ Enhanced Resources: With 8Twelve’s larger team and cutting-edge technology, I’ll be able to offer you more tailored solutions and top-notch service.
✔️ Same Commitment: I’m here to continue helping you with all your mortgage needs, with the same care and dedication.

New contact info:
📧 Email: [email protected]
📱 Phone: 647.268.9589
🏢 Office: 45 Sheppard Ave E, Suite 211, Toronto, ON
🌐 Website: 8twelve.mortgage (https://8twelve.mortgage)

I also want to take a moment to give a HUGE thank you to Vine Group for everything they’ve done to help shape my journey. The knowledge and mentorship I’ve received there has been invaluable, and I’m so grateful for the experience. It’s helped me become the agent I am today. 🙏
Thank you so much for your trust and support. Looking forward to continuing to serve you at 8Twelve! Feel free to reach out if you have any questions. 🤝

11/18/2024

As a realtor, your clients are more than transactions—they’re families and individuals with dreams of homeownership. 🏡✨

In today’s competitive market, standing out is key. Joining my Exclusive Realtor Network gives you access to resources and support to deliver exceptional service and make every client’s journey seamless. 🙌

Swipe through client testimonials and see the results for yourself. Ready to elevate your realty business? Let’s chat about how my network can help you succeed! ✅

11/13/2024

Want to make your mortgage broker’s day AND speed up your approval process? 💡 Start here!

✨ Swipe through for the ultimate checklist to get your documents in order and impress your mortgage professional. From IDs to income proof, we’ve got you covered.

Ready to make your mortgage journey smoother? Start swiping! 👉

11/11/2024

🔮 ✨ Gazing into the crystal ball of the 2025 real estate market, experts have shared intriguing insights:

• Bank of Canada Rate Cuts: Financial experts anticipate that the Bank of Canada will reduce rates by 100 basis points by mid-2025, after which no further cuts are expected.

• Projected Policy Rate: By June 2025, the central bank is expected to execute four more quarter-point rate reductions, bringing the policy rate to 2.75%, with this level holding steady through to the end of 2026.

• Big Banks’ Forecasts: Contrasting with these predictions, prominent institutions like RBC and National Bank project a more aggressive rate reduction, forecasting an additional 175 basis points of rate relief by the end of 2025, which would lower the policy rate to 2.00%.

• Market Divergence: Even among more conservative predictions, respondents in the 25th percentile of the Market Participants Survey envision the policy rate bottoming at 2.25% by early 2026 before ticking back up to 2.50% in the latter half of the year.

• Risk Sentiment: Notably, 70% of respondents believe the balance of risks leans toward a lower path, suggesting potential for even further easing if economic conditions shift unexpectedly.

Stay tuned as we navigate the evolving landscape of the real estate market in 2025. What do these predictions mean for buyers, sellers, and investors? Let’s discuss!

11/08/2024

BIG NEWS! 🚨

The recent jump in GTA home sales following the Bank of Canada’s rate cuts is a prime example of how quickly the market can shift. 🏡🔄

As a realtor, knowing these changes allows you to better guide your clients, offering timely advice that can elevate their buying or selling experience. When you stay ahead, you empower your clients to make confident, strategic decisions.

Want to see how I can help you elevate your clients’ real estate journey? Send me a DM, and let’s connect! 🤝

11/06/2024

🏡🔑 Attention Realtors!

Are your clients ready to secure their dream homes? Understanding their GDS (Gross Debt Service) and TDS (Total Debt Service) ratios is essential for mortgage approval and can significantly impact their financial future.

Help your clients unlock the door to favourable mortgage terms by educating them on how these ratios work

✅ GDS: Measures the percentage of income dedicated to housing costs.
✅ TDS: Considers all debt obligations to income.

By guiding them through the calculation process and offering strategies to improve these ratios, you’ll position yourself as an invaluable resource in their home-buying journey. 💪

11/04/2024

Your Monday Mortgage Checklist! 📃

We know how Mondays can feel. 🥱 To help you realtors get out of the slump, here is a quick list of reminders to ensure you stay on top of your game and provide top-notch service to your clients! 📝✅

But it’s not just about checking items off a list - it’s about setting yourself up for a successful week full of deals and satisfied clients! By organizing your financial documents for new clients and setting a weekly goal for mortgage-related conversations, you’re taking proactive steps toward growing your business. 📈✨

Whether you’re a seasoned professional or just starting out in the industry, these tasks are essential to staying ahead of the curve and providing your clients with the best possible service. Send me a DM if you want to discuss anything on this list in further detail - I’m always happy to chat. 🤝🏡

10/31/2024

Make your clients’ mortgage process seamless with P.I.T.C.H! 💰✅

P.I.T.C.H breaks down key expenses—like property taxes, condo fees, and heating—so clients can easily estimate monthly costs. This helps them understand affordability, guiding you to find homes that match their financial goals. 👍

Better service, faster deals, and happier clients. Have questions or want to learn more? DM me! 📲

10/28/2024

🚨 DON’T MAKE THIS MISTAKE

Thinking of moving all your funds into one account to ‘look better’ on paper? 🤔 While it might seem like a smart move, it can actually backfire when applying for a mortgage.

Banks need to see a steady, clear history of your finances, not just a big number in one account. 💸

Keep your funds in their original accounts to avoid any red flags and ensure a smoother approval process. Stability is key!

10/24/2024

The view is nice, but you know what’s even better? 👀

The dropping the overnight rate to 3.75%, with the Bank Rate at 4% and the deposit rate also at 3.75%! 🏦💸

Why the change? Here’s a quick breakdown ⬇️
1. Canada’s economy grew around 2% in the first half of the year and is forecasted to grow at 1.75% in the second half.
2. Exports are on the rise thanks to the Trans Mountain pipeline expansion.
3. Wage growth is still strong but outpacing productivity, creating some excess supply in the economy
4. CPI inflation has declined significantly from 2.7% in June to 1.6% in September.
5. The Bank expects inflation to remain close to the target over the projection horizon, with the upward and downward pressures on inflation roughly balancing out.

Not sure what this means for you or your clients? DM me, and let’s chat!
Realtors, as we head into the last few months of 2024, it’s more important than ever to keep a close eye on trends like these. 📊🏡

👉 Understanding where we’ve been is crucial to guiding our clients on where we’re headed next.

With less than 3 months left this year, now is the time to leverage this data, update your strategies, and prepare your clients for what’s to come in 2025. 📈

Staying informed is key to delivering the best possible advice, especially in a market that’s constantly evolving. Don’t miss the opportunity to stay ahead and make a real impact as we approach the new year.

Send me a DM if you have any questions! 📲

10/22/2024

Realtors, as we head into the last few months of 2024, it’s more important than ever to keep a close eye on trends like these. 📊🏡

👉 Understanding where we’ve been is crucial to guiding our clients on where we’re headed next.

With less than 3 months left this year, now is the time to leverage this data, update your strategies, and prepare your clients for what’s to come in 2025. 📈

Staying informed is key to delivering the best possible advice, especially in a market that’s constantly evolving. Don’t miss the opportunity to stay ahead and make a real impact as we approach the new year.

Send me a DM if you have any questions! 📲

10/18/2024

2024 is quickly wrapping up, and if you’ve got clients sitting on the sidelines, NOW is the time to prepare them for what’s coming! 🏡

Many industry experts are predicting further rate drops from the Bank of Canada in October and beyond, which means the moment those rates start to decline, it’ll be time to MOVE. 🏃‍♂️

Realtors, use these next few weeks to educate your clients so they’re ready to jump into the market when the time is right. 🔑

Happy Friday! Let’s finish Q4 strong and get ready for a busy 2025! 💼

Address

Toronto, ON
M4W1J1

Telephone

+19052469144

Website

https://www.vinegroup.ca/johnson-andrews

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