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Monday 9am - 6pm Tuesday 9am - 6pm Wednesday 9am - 6pm Thursday 9am - 6pm Friday 9am - 6pm Saturday 9am - 5pm

Greg Kalanjian - Team Choice Mortgages

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Greg Kalanjian - Team Choice Mortgages

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5x Award-Winning Toronto & GTA mortgage broker. Renewals, refinance, HELOCs · 30+ lenders. License | Choice Financial Corp. #13564

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Choice Financial Corp. #13564

11/06/2026

$3.6 trillion gone in one day.

American voters punished high prices at the polls, and the market lost more money in a single day than ever before. If the Fed cuts rates the way it did in 2019, US bond yields fall, and Canadian fixed mortgage rates tend to follow. Variable rates here follow the Bank of Canada, not bonds.

Watch the Fed, and know which of your rates it actually moves.

11/06/2026

Self employed? The bank looks at your tax return, but your real income is often higher than what that return shows. Bank statements can help tell the full story, depending on the lender. If a bank said no, that may not be the end of it. Talk to a broker who knows self employed files before you give up.

11/05/2026

Pre approved does not mean approved. A new loan, a job change, or an appraisal that comes in low can still change things before closing. Keep your money steady, take on no new debt, and check with your broker before any big money moves. That is how a pre approval turns into a closing. Questions about your own file? Book a call, link in bio.

11/04/2026

Coming up for renewal? Do not just sign your bank's letter. That letter is an opening offer, not your only option. I will shop lenders for you, compare rate, terms and fine print, and look at your whole mortgage structure. One call, we handle the rest.

Greg Kalanjian, Choice Financial Mortgages, 647-638-6358

11/03/2026

💔 Your mortgage renewal is NOT the time to settle!

After 15 years of making payments on time, loyalty should count for something… but your bank isn’t necessarily offering you its best deal.

Before you commit to another 5 years, shop around, compare your options, and see what other lenders can offer.

Don’t marry your renewal without dating other lenders! 😉

📩 Comment RENEW and let’s review your offer before you sign. You might be leaving money on the table!

11/03/2026

The U.S. economy just grew 3.4%. Canada's stopped. So why do you still feel it in your mortgage?

A strong U.S. economy keeps U.S. bond yields high. Canadian bond yields usually follow. And Canadian fixed mortgage rates follow bond yields. So your fixed rate can stay high, even while Canada's economy has stalled.

Variable rates are separate. Those follow the Bank of Canada.

Two economies, two different stories, but your fixed rate listens to both.

Greg Kalanjian, Choice Financial Mortgages, 647-638-6358

11/03/2026

Self-employed two years with steady income but denied by lenders. Banks average your write-offs and count them as income, lowering approvals. Some lenders know business numbers and add those write-backs to income. You keep the same house and get larger approval without rewriting tax returns. DM me to learn approval.

- Why do banks average self-employed write-offs?
- Which lenders add write-backs to your income?
- Will larger approval require changing your tax returns?

Address

15 Gervais Drive
Toronto, ON
M3C1Y8

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	9am - 5pm

Website

https://www.choicefinancial.ca/

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