Mortgages With Phil

03/25/2024

Reposting some of my previous blog entries with new thumbnails for aesthetics. Maybe you missed it, maybe you need the information now, or know someone that does 🏡

Is your mortgage coming up for renewal? Do you know about all the incredible options renewing your mortgage can afford you? If not, we have all the details here on how to make your mortgage renewal work for you as we start to think about 2024. Get a Better Rate Are you aware that when […]

03/23/2024

Reposting some of my previous blog entries with new thumbnails for aesthetics. Maybe you missed it, maybe you need the information now, or know someone that does 🏡

Watching home renovation shows is inspiring, often providing us with ideas for our own spaces. However, there is a bit of a downside when it comes to these shows – they can be misleading when it comes to the renovation process. While we may want to recreate something from one of these shows, witho...

03/22/2024

Reposting some of my previous blog entries with new thumbnails for aesthetics. Maybe you missed it, maybe you need the information now, or know someone that does 🏡

While not the only factor to look at when choosing a mortgage, interest rates continue to be one of the more prominent decision criteria with any mortgage product. Understanding how mortgage rates are determined and the differences between your typical fixed-rate and variable-rate options can help y...

03/22/2024

Reposting some of my previous blog entries with new thumbnails for aesthetics. Maybe you missed it, maybe you need the information now, or know someone that does 🏡

When traditional lenders (such as banks or credit unions) deny mortgage financing, it can be easy to feel discouraged. However, it is important to remember that there is always an alternative! If you’re seeking a mortgage, but your application doesn’t fit into the box of the big traditional inst...

03/20/2024

02/26/2024

https://mortgageswithphil.ca/mortgage-tips/amortization-options/

02/15/2024

I hope your 2024 is off to a great start! In case we don't cross paths soon, here is my business card. Please keep me in mind for any mortgage related business.

#2024

(437) 232-1232

[email protected]

01/23/2024

https://mortgageswithphil.ca/mortgage-tips/unlocking-a-year-of-possibilities-achieve-your-2024-resolutions-with-the-chip-reverse-mortgage/

It’s a brand-new year, and if you’re up for it, a chance for a brand-new version of you. No matter how you plan to start 2024, you might have a few ideas about changing things up in the months ahead. Whether you dream of fixing up your home, going on exciting trips, or getting rid […]

12/23/2023

Wishing everyone a most festive and incredibly enjoyable Holiday Season!

Be excellent to each other and spread kindness throughout the year, not just during the holidays ☮



As always, if you have any questions and are potentially looking into getting a first mortgage, a renewal, refinancing or considering a reverse mortgage... Please contact me directly 🏡

I'm here to help 📈

(437) 232-1232

[email protected]

12/19/2023

New Blog Post - Mortgage Renewal Benefits

Is your mortgage coming up for renewal? Do you know about all the incredible options renewing your mortgage can afford you? If not, we have all the details here on how to make your mortgage renewal work for you as we start to think about 2024. Get a Better Rate Are you aware that when […]

12/08/2023

The biggest misconception I've encountered so far in the mortgage business is prospective clients having incredible loyalty to their banks for initial mortgages and renewals since they don't know (or fully understand) that they can look (shop) elsewhere.

There is no hidden agenda or sinister sales pitch by you being in control of what mortgage product you purchase if you look elsewhere outside of what "your bank" has to offer.

Yes, if you bank with TD, you can get a mortgage with another bank.

Seriously.

If another bank or lender offers a better rate at the time of purchase or renewal, why wouldn't you consider that option?!

It seems financially irresponsible not to weigh all options available.

Your bank can ONLY offer or sell you their OWN PRODUCTS.

As a mortgage agent, I can offer you hundreds of options from all lenders.

A cost benefit analysis of various mortgage product choices over the course of 10-25 years can make an INCREDIBLE DIFFERENCE in your profit margin when it comes time to sell your property.

You owe it to yourself to be aware of all the products available on the market rather than just the default options "your bank" offers.

To discuss any of this further & to explore ALL your options, please don't hesitate to contact me directly!

(437) 232-1232

[email protected]