Mortgage Alliance Kelli Bugden

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Toronto, ON
Mortgage Alliance Kelli Bugden

I will provide unparalleled choice, convenience and counsel. When you use the RIGHTBroker®, you get the RIGHTMortgage®

Kelli (Boxall) Bugden
Mortgage Agent, Mortgage Alliance
2005-200 Sheppard Ave E | Lic #10530

03/26/2024

Ready to unlock the benefits of refinancing your mortgage? Here's why it can be a game-changer:

📌 Lower Monthly Payments: Refinancing to pay off high-interest debt can potentially lower your overall monthly payments and free up more cash each month.

📌 Cash Out: Tap into your home's equity for renovations or other financial goals.

📌 Shorten Your Term: Switch to a shorter loan term and save thousands in interest over time.

📌 Flexible Terms: Customize your mortgage to better fit your current financial situation.

Ready to reap the rewards? Let's explore your refinancing options today!

03/19/2024

🏡 Dreaming of owning your own home? Here's why getting pre-approved for a mortgage is your essential first step:

📌 Know your budget: Pre-approval tells you exactly how much house you can afford, helping you focus your search within your means.

📌 Competitive advantage: Sellers take pre-approved buyers more seriously, giving you an edge in negotiations and increasing your chances of landing your dream home.

📌 Faster process: With a pre-approval, the mortgage application process is streamlined, making your offer more attractive and reducing closing times.

📌 Rate lock: Secure a favourable interest rate early, protecting you from potential rate hikes while you shop for your home.

Don't wait - get pre-approved and turn your homeownership dreams into reality!

03/12/2024

🏠 If your mortgage is coming up for renewal, you need to prepare for higher rates. Here are three ways you can prepare for higher rates at renewal:

1. Boost payments with prepayment privileges to lower principal.
2. Watch your high-interest debt.
3. If you are thinking about moving, get pre-approved, but don't max out borrowing limits.

Early advice is key! Reach out for personalized strategies.

03/04/2024

Self-employed? We're here to unlock opportunities, not build obstacles! I have exclusive access to lenders who understand the needs of self-employed individuals. Together, will evaluate your unique circumstances and guide you on the best approach.

Supporting self-employed borrowers is one of my core strengths! Reach out today for a free consultation.

02/26/2024

Fixed or Variable? It really depends on you and your families risk tolerance. A mortgage should be part of your financial plan and you should consider a number of personal factors, such as how long you plan to own the home.

If you take a long-term fixed rate and end up breaking the mortgage, the penalties could be very high. The best thing to do is to reach out, and together we will map out a few scenarios and outcomes. Then you can use that information to make an informed decision.

02/20/2024

The housing market has cooled off from the peak in February 2022 and mortgage rates have begun a downward climb with most experts predicting this trend to continue.

Lower rates combined with a chronic housing shortage all point to the housing market heating up again. Buying now means you pay less for your home and when the market rebounds, the value of your home increases.

This is a moment of opportunity!

02/13/2024

Second mortgages are usually taken out to help with short-term cash requirements, pay off higher-interest debts or for investment opportunities. Depending on your qualifications, a second mortgage will allow you to access 80% - 95% of your home equity.

One of the attractive things about second mortgages is the payment. In most cases, you can pay interest only or interest plus the amount of principal you select.

For more information, reach out for a free consultation.

02/06/2024

Are you getting or renewing your mortgage this year? Uncertainty about interest rates continue to be top of mind for borrowers. Three strategies to help you limit your risk of uncertainty are:

1. Use multiple rate holds – Getting a rate hold early protects you from temporary increases before you sign off on your mortgage. If rates decline, you can ask for another hold at the lower rate.

2. Choose a short-term fixed – If you need a new mortgage now but believe rates will fall in the future, you can lock into a one-year fixed. These types of rates are higher than a 5-year fixed but if rates do decline over the course of the year, paying more for a one-year fixed works out better than locking into a 5-year fixed.

3. Choose a hybrid mortgage – This lets you split your loan into two or more portions tied to variable as well as fixed rates.

For more information, reach out for a free consultation.

01/30/2024

Refinancing means getting out of your current mortgage and replacing it with a new one. This can be beneficial for many reasons. Take a look at 3 common reasons to refinance your mortgage. 🏠

👉 To consolidate high-interest debt
👉 To fund home renovations
👉 Access lowest-cost funds for a large expense

01/22/2024

At renewal, you can renegotiate everything pertaining to your mortgage – with no penalties – which means this is an important moment of opportunity. You may also want to discuss refinancing your mortgage to pay off debt, complete renovations, or pay for a major expense ahead.

Reach out to explore your options.

Address

Toronto, ON
M2J5B4

Telephone

+19052999580

Website

https://www.mortgagealliance.com/en/KelliBugden/

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