Mortgages With Ashka

Mortgages With Ashka Mortgage Agent Level 1 | Lic.
Affinity Mortgage Solutions Inc. Expert guidance for your mortgage needs! 💼

📉 A Bank of Canada decision gets the headlines, but your mortgage needs a little more contextIf you have a variable mort...
08/31/2026

📉 A Bank of Canada decision gets the headlines, but your mortgage needs a little more context

If you have a variable mortgage, a change in the policy rate can affect you more directly

If you have a fixed mortgage, your rate is influenced more by the bond market, which means fixed rates can move even when the Bank of Canada holds

🏠 Buying soon
🔑 Renewing soon
💰 Refinancing

The important part is understanding what the decision means for your own numbers and your own plans, instead of making a move based on the headline alone

If you’re unsure what makes sense before the next rate decision, I can help you compare your options

Need mortgage advice?
📞 Call/Text: 647-517-3150
📧 Email: [email protected]

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

Successfully FUNDED & CLOSED 🎉🏡We recently successfully funded and closed a deal in Brampton for investors with multiple...
08/28/2026

Successfully FUNDED & CLOSED 🎉🏡

We recently successfully funded and closed a deal in Brampton for investors with multiple properties

This was a challenging file to get approved with an A-Lender, but we made it happen ✅🔑

The property is a brand-new builder-built condo at CityPointe Heights, located at The Gore Road & Queen Street East 📍🏢

Securing the right financing can make all the difference, especially when the file needs a little more planning and the right lender fit

Buying an investment property or working through a mortgage file that needs more attention? Let’s look at your options together 📲

Call/Text: 647-517-3150
Email: [email protected]

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

A little good news for buyers 📉🏡In July, affordability improved in parts of Ontario, which means some buyers may now nee...
08/27/2026

A little good news for buyers 📉🏡

In July, affordability improved in parts of Ontario, which means some buyers may now need less income to qualify

📍 Toronto: down by $1,680
📍 Hamilton: down by $1,850

This does not mean every home is suddenly affordable, but it does mean your buying power may look better than it did before 👀

The smartest next step is a pre-approval ✅
It helps you see what you can realistically afford before you start shopping

If you’ve been waiting, this might be a good time to check your numbers 💙💛

Need mortgage advice?
Call/Text: 647-517-3150
Email: [email protected]

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

📉 **Lower rates don’t always mean a cheaper home**When rates come down, borrowing can become more affordable for more bu...
08/24/2026

📉 **Lower rates don’t always mean a cheaper home**

When rates come down, borrowing can become more affordable for more buyers, but that can also change what happens in the housing market 🏡

👥 **More buyer demand**
Lower borrowing costs can bring more buyers back into the market, meaning more people looking at the same homes

🏆 **More competition**
When more qualified buyers are actively shopping, desirable properties can attract more offers and stronger competition

🤝 **Less negotiating power**
In a busier market, buyers may have less room to negotiate on price, conditions, or other terms

💡 The mortgage rate matters, but it’s only one part of the equation
Waiting for a lower rate doesn’t automatically mean you’ll spend less overall

The better strategy is understanding what you can comfortably afford and being ready when the right opportunity comes along 🔑

Need mortgage advice?
📱 Call/Text: 647-517-3150
📧 Email: [[email protected]](mailto:[email protected])

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

🏡 25 years or 30 yearsWhich mortgage term fits you better?A 30 year amortization can help lower your monthly payment 💰Bu...
08/20/2026

🏡 25 years or 30 years
Which mortgage term fits you better?

A 30 year amortization can help lower your monthly payment 💰
But it can also mean paying more interest over time

A 25 year amortization usually means a higher monthly payment 📈
But it can help you pay off your mortgage faster and build equity sooner 🔑

The best option depends on your budget, goals, and what works for your overall mortgage plan 💙💛

If you want to compare both options clearly, I’m happy to help you run the numbers and understand what makes the most sense for you 📊

Need mortgage advice?
Call/Text: 647-517-3150
Email: [email protected]

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

📊 Canada’s inflation reached 3.0% in July, up from 2.8% in June. (Reuters)But a 3% inflation reading doesn’t automatical...
08/19/2026

📊 Canada’s inflation reached 3.0% in July, up from 2.8% in June. (Reuters)

But a 3% inflation reading doesn’t automatically mean your mortgage rate is about to jump 📈🏡

What it does mean is that borrowers should keep paying attention. Whether you have a fixed or variable mortgage, are approaching renewal, or planning to buy, the right strategy matters more than trying to guess where rates will go next.

Your mortgage should be based on your budget, timeline and goals, not just today’s headline rate 💙💛

Need mortgage advice?
📱 Call/Text: 647-517-3150
📧 [email protected]

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

Your mortgage renewal is more than just accepting the rate your lender sends you 🏡🔑Before you sign, it’s worth taking a ...
08/13/2026

Your mortgage renewal is more than just accepting the rate your lender sends you 🏡🔑

Before you sign, it’s worth taking a closer look at your options and making sure the mortgage still fits your life and financial goals

📉 Rate can make a meaningful difference in your payments and overall borrowing cost

📅 Term affects how long you’re committed to your current mortgage setup

⚙️ Flexibility matters if your plans change, whether that means moving, refinancing, or paying down your mortgage faster

Your lender’s first renewal offer may be convenient, but that doesn’t automatically make it the best fit for you 💡

Need mortgage advice?
Call/Text: 647-517-3150
Email: [email protected]

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

📊 July gave buyers a bit more breathing room, but preparation still matters. When prices soften and listings shift, the ...
08/11/2026

📊 July gave buyers a bit more breathing room, but preparation still matters. When prices soften and listings shift, the smartest move is knowing your budget, getting pre approved, and being ready to act when the right home shows up.

If you are buying, renewing, or refinancing, I can help you understand your options and make a confident mortgage decision 🏡✨

Need mortgage advice?
Call/Text: 647-517-3150
Email: [email protected]

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

Moving doesn’t always mean starting your mortgage from scratch 🏡🔑Your current mortgage may be portable, which could let ...
08/06/2026

Moving doesn’t always mean starting your mortgage from scratch 🏡🔑

Your current mortgage may be portable, which could let you transfer it to your next home and potentially avoid a prepayment penalty.

Before you list your property or make an offer, check:

✅ Whether your lender allows portability
✅ How much time you have between transactions
✅ Whether the new property qualifies
✅ Whether you need additional financing

Every lender has different rules, so review the details before making your move.

Planning to sell and buy another home? Let’s check your mortgage options first.

Need mortgage advice?
Call/Text: 647-517-3150
Email: [email protected]

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

Mom sent the down payment money... now what? 👀🏡Family help can make homeownership possible, but a gifted down payment st...
08/04/2026

Mom sent the down payment money... now what? 👀🏡

Family help can make homeownership possible, but a gifted down payment still needs a clear paper trail.

Depending on the lender, you may be asked for:
📄 A signed gift letter
🏦 Proof the funds were available
💸 Proof of transfer
✅ Confirmation the money reached your account

The smart move is to ask before the money moves. Proper documentation can help prevent unnecessary delays later.

Planning to use family help for your down payment? Message me before the transfer happens. 💛

Need mortgage advice?
Call/Text: 647-517-3150
Email: [email protected]

Ashka Makwana — Mortgage Agent Level 1 (FSRA Lic # M25001819)
Affinity Mortgage Solutions — Dominion Lending Centres (FSRA Brokerage Lic # 13093)

Address

Unit 208 - 6685 Tomken Road
Toronto, ON
L5T 2J6

Telephone

+16475173150

Website

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