Dennis Da Cunha - Mortgage Agent

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Toronto, ON
Dennis Da Cunha - Mortgage Agent

1-416-879-4392 Providing financing options to the Greater Toronto Area. Specializing in Residential

A sales and service professional of over 15 years, Dennis’s career achievements have been forged on a foundation of delivering superior service, following through on commitments and putting the needs of his clients first. With this valuable experience on hand, Dennis has spent the last year transitioning into the mortgage industry focusing on his professional development through licensing, trainin

g and mentorship. Backed by 50 plus years of lending experience, Dennis looks forward to working with clients and aiding them in finding competitive credit solutions to help them achieving their dreams of home ownership.

08/11/2025

Many thanks to those who continuously trust me with their biggest financial investment.

Half way through the year and we continue to save our clients thousands of dollars on their renewals and provide countless solutions to navigate these uncertain times.

When in doubt… call Mortgage Scout
416-879-4392

03/05/2025

Starting off the year where we left off 💪🏼

A huge thank you 🙏🏼 to all my clients, partners, family and friends for their continued support ❤️

It’s NEVER been MORE important to know ALL YOUR RENEWAL OPTIONS.

We’ve saved people A TONNE of money in unnecessary interest on their mortgage renewal

When in doubt… Call Mortgage Scout
416-879-4392

01/14/2025

Thank you to all my clients for their continued trust.
Finishing the year off on a strong note 💪🏼
2024 wasen’t an easy year for a lot of borrowers facing higher renewal rates but we still managed to save a tonne of people a tonne of money in unnecessary interest on their renewals.

It’s never been more important to know all your renewal options

When in doubt… Call Mortgage Scout
416-879-4392

07/13/2022

🗣️ 𝐁𝐞𝐲𝐨𝐧𝐝 𝐭𝐡𝐞 𝐇𝐞𝐚𝐝𝐥𝐢𝐧𝐞𝐬: Here is a brief excerpt from this morning's Bank of Canada press release by the governor of the Bank of Canada, Tiff Macklem on the reasoning behind the 1% rate increase!

07/13/2022

📣 Breaking News: The Bank of Canada announced this morning that they will be increasing the overnight rate by 1% effectively increasing prime to 𝟒.𝟕𝟎%.

That is a total of 2.25% lift in the prime rate from the beginning of 2022 when the prime rate was 2.45%.

A substantial increase, this change will have an impact on:
📌 Carrying costs and minimum payments of Secured Lines of Credit (HELOC's)
📌 Variable rate mortgages
📌 Any other unsecured loans or lines of credit that are prime based

Should you wish to discuss how these changes specifically affect you and your borrowing needs, simply give us a call.

𝐖𝐡𝐞𝐧 𝐢𝐧 𝐝𝐨𝐮𝐛𝐭, 𝐜𝐚𝐥𝐥 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐒𝐜𝐨𝐮𝐭! 📞 416-879-4392

03/02/2022

As anticipated ⚠ Bank of Canada 🔺 Raises🔺 the overnight rate by 0.25% effectively increasing the prime rate to 𝟐.𝟕𝟎%.

This was to be expected given the current state of the economy especially given the performance of the real estate market and increases in crude oil costs. More increases will follow 📈⬆️

What does this mean for you❓🤔

If you’re currently in a variable rate or adjustable rate mortgage and thinking of converting/switching to a fixed rate, DON’T ❌ - Here’s why.

🔴 Bond yields, the driving factor behind fixed rate pricing, are currently trending down ⬇️ due to current escalating tensions in Europe.

🔴 If you’re currently in a variable rate mortgage your payments won’t change - BUT - Your amortization will increase as more of your payment will go towards interest.

🔴 If you’re currently in an adjustable rate mortgage, you can anticipate your mortgage payment to increase by roughly $12 - $13 for every $100,000 you owe on your mortgage depending on your prime rate discount and amortization.

If you’re currently in a fixed rate mortgage then there is NO impact.

Still have questions⁉️
When in doubt... Call Mortgage Scout
416-879-4392 ☎️

The next rate decision is scheduled for 𝐀𝐩𝐫𝐢𝐥 𝟏𝟑𝐭𝐡, 𝟐𝟎𝟐𝟐!

11/06/2021

Don’t let the market scare you! 👻
Change those clocks ⏰ back 🔙
Change those batteries 🔋 in your smoke alarms 🔥🚨
Call me 🎩
When in doubt... Call Mortgage Scout
416-879-4392 ☎️

06/10/2021

Thank you to Camões TV for this little segment and the opportunity to share what Portugal means to me 🇵🇹❤️

Happy Portugal Day my friends
🇵🇹🍷🐠❤️

05/29/2021

With the launch of our First Responder Mortgage Program™ on June 1st, a number of inquiries have come in about who would qualify for this promotion. 🤔

Anyone working in the following roles will be eligible for this offer:

✅ Police Officers
✅ Paramedics
✅ Firefighters (employed and volunteer)
✅ Correctional Services
✅ Border Services
✅ Search and Rescue (employed and volunteer)
✅ Registered Physicians
✅ Registered Nurses

Available for purchase and refinances. 🙌🏼

To secure your competitive rate, cashback incentive and full program details, feel free to contact me to discuss this further!

When in doubt... Call Mortgage Scout
416-879-4392 📱

05/27/2021

In a recent article published by the CBC, reporter Peter Armstrong talks about the impact of Canadian consumers' demand on lumber and relative impact on supply and increase in costs during the pandemic.

To put the change into perspective, the price has almost doubled since 2018.

The infographic below illustrates the impact of the change as it relates to the development of an average 2000 square foot home.

In 2018, $41K worth of lumber would have built 5 houses where today, it will only equate to 2 and a half.

The increase in material costs is just another contributing factor to the unprecedented price growth we've been experiencing year over year.

The full article can be found noted below:

https://www.cbc.ca/news/business/lumber-prices-covid-19-cost-of-housing-1.5973416

05/24/2021

Wishing all my family, friends and clients an amazing Victoria Day Long weekend.
🇨🇦🙌🏼🍻

When in doubt... Call Mortgage Scout!
416-879-4392

02/17/2021

Rise and grind ☕️
It’s a chilly one 🥶 but the sun is shining ☀️

When in doubt... Get your YETI out 🙌🏼

Address

1796 Bloor Street W
Toronto, ON
M6P3K5

Telephone

+14168794392

Website

http://www.dennisdacunha.com/

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