Christelle Mwamba - Mortgage Agent - Toronto

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Toronto, ON
Christelle Mwamba - Mortgage Agent - Toronto

Mortgage Scout [FSRA #13060]
See the way forward ➡️ with Customized Lending Solutions

03/24/2023

2022 real-estate market was definitely a wild ride, but I'm thrilled that I was able to finish the year off on a high note. And I couldn't have done it without the amazing support of my clients, business partners, and my incredible Team Scout. Your trust and faith in my abilities have been the driving force behind my success. Here's to another exciting year!

01/26/2023

No surprise!

The Bank of Canada announced another overnight rate increase of 0.25%⬆, effectively increasing prime to 6.70%.

The great news is that bond yields have been improving in the last few weeks. 📈 That means there are some attractive offers in the market for fixed term rates to help relieve clients who are looking to switch from a variable rate.

Contact me today to review your mortgage options and don't let this rate hike take a toll on your wallet😊!

01/20/2023

Thanks Again Canadian Mortgage Professional for giving me the opportunity to share my outlook on 2023!

Are you ready for what's to come🤔?

Contact me to find out how you can prepare for the future by finding a balance between the new cost of financing and the new landscape and/or restructuring your finances to make cash flow affordable.

12/23/2022

Merry Christmas & Happy Holidays.
Stay warm, Be safe & Enjoy the company of your family and friends.

12/13/2022

Just because people aren't buying, doesn't mean that today's consumers' needs for housing has dissipated. Softening real estate value paired with an increased rate of return on rental income has created an ideal purchase environment for rental investors.

Let’s chat today to help you:

✅ Solve for the down payment
✅ Run the numbers to see if this is right for you

Reach out to me today for your personal consultation.
647-896-2575

12/07/2022

There have been a lot of negative connotations about the market right now, [but] you can still invest in real estate 🏡!

➡️ Yes, there have been fewer transactions this year compared to last year. One of the factors, obviously, is because rates have gone up so much, all these speculative buyers have taken a stand back.

➡️ But there are still people looking to buy right now. There’s still that need and demand.

You just have to look at areas where it’s more affordable outside of the GTA and consider a shorter fixed term to ride out the current interest rate 📈environment.

09/23/2022

Second year in a row, 𝟐𝟎𝟐𝟐 𝐖𝐨𝐦𝐞𝐧 𝐨𝐟 𝐈𝐧𝐟𝐥𝐮𝐞𝐧𝐜𝐞 with Canadian Mortgage Professional (CMP).

Congratulations to the many amazing women of Dominion Lending Centres Inc.

08/04/2022

“When you can't change the direction of the wind – adjust your sails” H. Jackson Brown

Changes are happening in the real estate market, and we all need to adjust our sails to navigate the new waters, keep the momentum going and reach our destinations.

Clearly, the Bank of Canada is on a mission to combat inflation and is using the rate policy as a tool to do so. The prime rate has increased several times in 2022, with the last increase in July by 1% effectively increasing prime to 𝟒.𝟕𝟎%.

This substantial increase will have an impact on:

📌 Carrying costs and minimum payments of Secured Lines of Credit (HELOC's)
📌 Variable rate mortgages
📌 Any other unsecured loans or lines of credit that are prime based

Should you wish to discuss how these changes specifically affect you and your borrowing needs, simply give me a call at 647-896-2575 !

07/20/2022

As a 𝐌𝐨𝐯𝐞-𝐔𝐩 𝐁𝐮𝐲𝐞𝐫, the current features of your existing mortgage could be key to unlocking great savings on your next purchase. Have a consultation with us to review:

✅ The potential to lever prepaid premiums on your existing default insured mortgage with either 𝐂𝐌𝐇𝐂, 𝐒𝐚𝐠𝐞𝐧 (formerly Genworth) or 𝐂𝐚𝐧𝐚𝐝𝐚 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐲 to minimize premiums on your next purchase

✅ Portability of your existing mortgage term

✅ Mortgage replacement guidelines of your current lender to potentially decrease penalties

✅ Blending features to take advantage of existing low rates

✅ How to use existing secured lines of credit to minimize bridging costs

All of these features alone or in combination with one another can yield significant savings.

For more information call 647-896-2575 📞

06/07/2022

Are you thinking about refinancing? You should know that NOW is the perfect time to refinance your mortgage! With prices being inflated, you can get more money to consolidate your debt. That means you can reduce your monthly payments, free up cash flow or pay off your mortgage faster.

Contact me today and I will help you refinance your mortgage! Call (647) 896-2575 now! 📞

06/03/2022

Refinancing involves the process of taking out a new loan to pay off your original mortgage loan. It can help you save a lot of money over time by taking advantage of lower interest rates or accessing home equity to pay off debt or expenses.

If you’re interested in refinancing, here is a step-by-step guide that can help point you in the right direction 👇

1️⃣ Evaluate the market – Evaluate your mortgage on an annual basis and make sure the timing is right before starting the refinancing process.
2️⃣ Begin your application – You need to start the refinancing process by applying for a mortgage loan and getting help from a mortgage professional.
3️⃣ Research loan types – Carefully consider which mortgage caters to your specific financial situation before moving forward.
4️⃣ Gather relevant documentation – Make sure that all of your documentation is in order before getting started.

Need help from a professional? I will make sure you have a smooth refinancing process! Call (647) 896-2575 today! 📞

06/02/2022

We all have a role to play when it comes to gender equality and diversity.

Christelle talks about the importance of women representation in the mortgage industry with the Canadian Mortgage professional podcast.

If you feel inspired, feel free to send us a DM and we’d love to chat with you.

Address

1796 Bloor Street W
Toronto, ON
M6P3K5

Telephone

+16478962575

Website

http://cmmortgages.ca/

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