https://www.facebook.com/750063848188033/

Mortgages With Ashka

Home
Canada
Toronto, ON
Mortgages With Ashka

Call Contact the business

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

10/27/2026

🏦 Bank of Canada rate decision tomorrow! But what does that actually mean for your mortgage? 🏡

Not all mortgage rates react the same way to a Bank of Canada announcement.

📉 Variable Rates: More directly connected to the Bank of Canada’s policy rate. If lenders adjust their prime rates, your variable mortgage interest rate may change.

📊 Fixed Rates: Influenced more by bond yields and lender pricing. Even if the Bank of Canada cuts rates, fixed mortgage rates might not drop.

💡 The takeaway? A rate announcement doesn't automatically mean everyone gets a lower mortgage rate.

Whether you're buying, renewing, or refinancing, understanding how these changes affect YOUR mortgage matters more than the headlines.

📲 Wondering how the next rate decision could affect your mortgage? Let's review your options!

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)

10/21/2026

🏡 YOUR MORTGAGE HAS AN EXIT PRICE! 💰

Thinking about selling your home, refinancing, or switching lenders before your mortgage term ends? There could be a cost you haven't considered!

⚠️ Breaking your mortgage early may trigger a prepayment penalty.

Here's what you should know 👇

🔹 Fixed-rate mortgages: Penalties are often based on the higher of 3 months' interest or the Interest Rate Differential (IRD).

🔹 Variable-rate mortgages: Penalties are commonly 3 months' interest, depending on your mortgage terms.

🔹 Selling or refinancing: Even if you're getting a better rate, the penalty could outweigh your potential savings.

💡 The takeaway? Don't just compare interest rates. Understand the cost of leaving your mortgage before making a move!

📲 Thinking about refinancing, selling, or switching lenders? Let's review your options and see if the numbers make sense for you!

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)

10/16/2026

🏡 YOU’RE APPROVED. BUT IS THE HOUSE? 🔑

Getting pre-approved for a mortgage is an exciting first step, but it doesn't mean every home you choose will automatically qualify!

🏠 Property Condition: Lenders may have concerns about homes that need major repairs or have structural issues.

📊 Property Appraisal: If the home is appraised for less than your purchase price, you may need to cover the difference.

🏦 Property Type: Certain properties may have different lending requirements or restrictions.

✅ The takeaway? Your mortgage approval depends on more than just your income and credit. The property matters too!

💬 Found a home you love? Let's review your mortgage options before you make an offer!

📞 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)

10/12/2026

🍁 **Happy Thanksgiving!** 🏡🧡

This Thanksgiving, I'm grateful for the trust of my clients, the support of my community, and everyone who has been part of my journey. 💛

Home is where we create memories, celebrate special moments, and spend time with the people who matter most.

Wishing you and your loved ones a wonderful Thanksgiving filled with love, happiness, and gratitude! 🍂

🏡 Whether you're planning to buy your first home, renew, or refinance, I'd be happy to help you explore your mortgage options.

📞 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)

10/09/2026

🏡 **GTA home prices are down, but does that mean you can afford more?**

📉 September’s market showed softer prices and fewer new listings. For buyers, this creates an opportunity to reassess their mortgage options.

💰 **Here’s what matters for your mortgage:**

✅ A lower purchase price could mean a smaller mortgage and lower monthly payments

✅ Your income, debts, credit and down payment still determine how much you can qualify for

✅ Getting pre-approved helps you understand your budget before making an offer

🔑 **The right time to buy isn't just about market prices. It's about finding a mortgage that fits your finances.**

📲 Thinking of buying in today's GTA market? Let's review your mortgage options and see what you can comfortably afford!

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)

10/06/2026

Waiting for the next rate cut might sound like the smart move, but the market doesn’t wait

📈 Home prices can change
👥 Competition can increase
💰 And a lower rate doesn’t automatically mean a better overall deal

The better question is whether buying now makes sense for your income, budget, down payment, and long-term plans.

If you’re trying to decide whether to wait for another rate cut or move forward now, I can help you compare the numbers and see what actually makes sense for you.

📞 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)

09/30/2026

🏡 Your first home doesn’t have to be your forever home.

Many homeowners start with a home that fits their current budget and lifestyle, then build equity and move forward when the time is right.

What matters most is finding a home that:
✅ Fits your monthly comfort level
✅ Helps you start building ownership
✅ Supports your future goals

Thinking about buying your first home? Let’s look at what makes sense for you.

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

09/29/2026

🚗🏠 That car payment could change your home budget more than you think.

When lenders review your mortgage application, they look at your existing monthly debt payments too.

A higher car payment can increase your debt ratios, which may reduce the mortgage amount you qualify for.

That doesn’t automatically mean you need to get rid of the car. It means your full monthly picture matters before you start shopping for a home.

Thinking about buying soon? Let’s review the numbers first so you know what budget actually makes sense.

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)

09/25/2026

Not every buyer wants to lock in for 5 years

Some Canadians are choosing shorter mortgage terms because they want a little more flexibility while rates and life plans keep changing.

🔹 Review your options sooner
🔹 Adjust if rates change
🔹 Choose a term that better fits your plans

A shorter term does not mean paying off your mortgage in 1 or 3 years. It simply means your current mortgage contract is set for a shorter period before renewal.

The right term depends on your goals, budget, and comfort level 🏡

Not sure which mortgage term fits your plans? Let’s compare the options together 🏡

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

09/22/2026

Your mortgage renewal offer is not something you have to accept automatically. 🏡

Before signing, it can be worth comparing what else is available.

🔹 A different lender may offer a better fit
🔹 The rate is only one part of the mortgage
🔹 Term, penalties and flexibility can matter just as much
🔹 Reviewing your options early gives you more time to make a confident decision

If your renewal is coming up, don’t wait until the deadline to start looking.

Renewal coming up? Let’s compare your options before you sign.
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
L5T2J6

Telephone

+16475173150

Website

facebook.com

Alerts

Be the first to know and let us send you an email when Mortgages With Ashka posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.