You Own The City - Mortgage Financing Prepared by Ryan Gavel

03/21/2023

Hello Everyone! Happy Spring Equinox

I am now celebrating my lucky 13th year as a licensed Mortgage Agent, the entire time with INVIS, one of the largest and most respected national mortgage brokerages in Canada.

Some of my long term clients include Musicians, Artists, Entertainment Industry and Small Business owners in Ontario and Nationwide. I know the complex financing process for such clients purchasing real estate very well. I have 13 years of experience.

We saw changes in 2021-2022 with home values dropping and mortgage rates soaring. There is much speculation that we are about to see new changes trending the other way.

I have access to rates and products with reputable lenders that will allow those who are self employed or purchasing alone to qualify with higher purchasing power based on ongoing proof of business activities and income rather than CRA assessed income. Now is a great time to get in touch if you’ve been stuck on the sidelines with regards to purchasing real estate.

Please share this post with your friends, family and colleagues!

Contact me at [email protected]

09/14/2021

Companies able to broaden talent pool, create new ways of working as centrality of the office declines

07/19/2021

Big Congrats to Dan Walker and his wife Jessa!

I have had the pleasure of assisting Dan and Jessa with the financing of their first home and now their second beautiful home to accommodate their growing family. Top Clients and wonderful people all the way.

Dan is the owner of Rock This Way! An amazing music school in Vaughan. Check em out!

Thank you from the bottom of my heart Dan and Jessa. Blessed to have you as clients!

04/21/2021

Teranet price index up almost 11%, strongest gain since 2017

03/04/2021

For the first time since the start of the COVID-19 pandemic, Canadian banks raised rates on some fixed mortgages. TD Bank, National Bank of Canada, HSBC, Royal Bank, Scotiabank, and BMO made moves in response to a rising yield on the Canada 5-year bond. Posted rates remain the same, but special rate...

02/26/2021

As mortgage rates "fell to historically low levels", Canadian millennials saw "a window of opportunity and went for it", expert says.

02/16/2021

The share of renters who are planning to buy has quadrupled, and what they want to buy is changing.

02/08/2021

Read the full story and comment on BarrieToday.

01/15/2021

A record number of Canadians left major urban centers last year amid the pandemic, led by youth and young families.

01/12/2021

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With the average price of a home in Toronto hitting $929,699 by the end of 2020 — over $1.5 million if you're in the market for a detached house in...

01/08/2021

Interest Rates are still incredibly low and across Canada, the Real Estate market has shown no signs of slowing in spite of the Covid-19 pandemic

Get in touch for Pre-Approvals, Purchases, Refinances and any questions you might have

Some kind words from my most recent client who is a Canadian Musician...

"As a self-employed musician, I thought it would be totally impossible to qualify for a mortgage - I mean, it was impossible.....until I called Ryan! I had tried a couple different lenders, and all of them wanted a 20% downpayment, which just wasn't feasible for me. Ryan helped me get an incredible mortgage rate and I was able to put down just 5% of the purchase price. He was professional, quick to answer correspondence and above all he was a positive presence, and a pleasure to deal with throughout the entire process."

09/10/2020

The Bank of Canada says the economic recovery from COVID-19 will need help from policymakers, which is why the central bank is committing to keeping its benchmark interest rate at 0.25 per cent for as long as necessary.