Equity Mainly Matters

Equity Mainly Matters Shawn Sef | Mortgage Broker | Mortgage Associates Ontario Inc. | Brokerage Lic #12340

8 Best Ways to Finance Major Home 🏠 Renovations❗️•Home 🏠 renovations come in many shapes and sizes, from upgrading an ex...
01/14/2026

8 Best Ways to Finance Major Home 🏠 Renovations❗️
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Home 🏠 renovations come in many shapes and sizes, from upgrading an existing room like a kitchen or bathroom, to an addition up top, a finished basement below, or even a laneway home out back. Once you decide to upgrade your home, whether you’re planning to stay for a while or sell in the near future, thoughts soon turn to the best way to pay for home improvements.
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Some minor upgrades, such as new paint or updated light fixtures and faucets, don’t typically cost a lot of money, but even the best-planned projects can quickly snowball. Thankfully, there are numerous ways to help you afford your dream home, and even deal with increased costs caused by those dreaded behind-the-wall surprises such as floor rot, foundation cracks or faulty electrical wiring.
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Are you looking for funding for your Home Renovation project? If so, we can help make the process easy and beneficial for you via our Home Renovation Mortgage Solution product. Feel free to contact us for more information.
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For more information, refer to the following link in our bio: https://blog.remax.ca/8-best-ways-to-finance-major-home-renovations/
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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How To Get a Self-Employed Mortgage❓•According to Statistics Canada 🇨🇦, as of 2025, there were approximately 2.7 million...
01/14/2026

How To Get a Self-Employed Mortgage❓
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According to Statistics Canada 🇨🇦, as of 2025, there were approximately 2.7 million self-employed workers in Canada 🇨🇦, representing about 13% of the workforce.
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While these workers — be they Uber drivers, entrepreneurs, consultants or creative freelancers — may enjoy unique benefits that come with being your own boss, they also face unique challenges when it comes to trying to enter Canada’s 🇨🇦 competitive housing market.
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Navigating the Mortgage landscape as a Self-Employed individual in Canada 🇨🇦 can be challenging. Still, with the proper preparation, documentation, and understanding of the available loan options, it is certainly achievable. Contact us today as will help qualify you for our great Self-Employed Mortgage Solution product.
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For more information, refer to the following link in our bio: https://www.lowestrates.ca/blog/homes/how-get-self-employed-mortgage
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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10 Tips for Getting the Best Mortgage Rate in Canada 🇨🇦•Ready to buy a home 🏠? Mortgage rates are likely one of your top...
10/08/2025

10 Tips for Getting the Best Mortgage Rate in Canada 🇨🇦
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Ready to buy a home 🏠? Mortgage rates are likely one of your top concerns. Type “best Mortgage rates Canada” into your favourite search engine, and you’ll be directed to pages of Mortgage lenders or brokers. However, finding the lowest Mortgage rates in Canada 🇨🇦 is just one part of the equation. You won’t get access to them if you don’t qualify.
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Read on to get tips on how to get the best Mortgage rate in Canada 🇨🇦, so you can start your journey to home 🏠 ownership feeling informed, confident and ready to take action.
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For more information, refer to the following link in our bio: https://blog.remax.ca/10-tips-for-getting-the-best-mortgage-rate-in-canada/
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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Building Vs. Buying a Home❗️•Thinking of building vs. buying a home 🏠❓•There are many factors to consider, such as your ...
09/03/2025

Building Vs. Buying a Home❗️
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Thinking of building vs. buying a home 🏠❓
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There are many factors to consider, such as your timeframe, the location and design of the house 🏠. Let’s take a closer look at the pros and cons of each option.
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For more information, refer to the following link in our bio: https://blog.remax.ca/building-vs-buying-a-home/
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Are you looking to build or buy a home 🏠? Regardless of your preferred choice we can help make the process easy and beneficial for you via our Construction or Home Purchase Mortgage Solutions. Feel free to contact us for more information.
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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What is Land Transfer Tax❓•A land transfer tax (LTT) is a tax that is levied by the government when ownership of a prope...
09/03/2025

What is Land Transfer Tax❓
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A land transfer tax (LTT) is a tax that is levied by the government when ownership of a property is transferred from one owner to another. This tax is typically paid by the buyer of the property and is based on the property’s purchase price. The land transfer tax is usually calculated as a percentage of the purchase price, and the rate can vary depending on the property’s location and the local government’s policies.
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In Canada 🇨🇦, land transfer taxes are levied by provincial and territorial governments, and the rules and regulations regarding LTTs can vary by location. In addition to the provincial and territorial LTTs, some municipalities may also levy their land transfer taxes. The city of Toronto land transfer tax is one such municipality.
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The purpose of a land transfer tax is to generate revenue for the government, which can then be used to fund essential public services, such as healthcare, education, and infrastructure. The land transfer tax may sometimes support specific programs or initiatives, such as affordable housing or environmental projects.
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For more information, refer to the following link in our bio: https://blog.remax.ca/what-is-land-transfer-tax/
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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How to Buy a Home 🏠 with No Down Payment❗️•For many aspiring homeowners, saving enough for a down payment can feel like ...
06/26/2025

How to Buy a Home 🏠 with No Down Payment❗️
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For many aspiring homeowners, saving enough for a down payment can feel like an overwhelming, sometimes impossible, challenge.
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Have you ever wondered, “Can I buy a home 🏠 with no down payment?” What if we told you that buying a home 🏠 with no down payment is not only a possibility but a reality?
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Before we dig in, let’s clarify that, technically, the down payment isn’t exactly non-existent; it just comes from other sources. Here are some methods and strategies to help you achieve home 🏠 ownership without a traditional down payment.
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For more information, refer to the following link in our bio: https://blog.remax.ca/how-to-buy-a-home-with-no-down-payment/
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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Deposit VS. Down Payment on a House 🏠❗️•Deposit and down payment–two words that are commonly used and often interchanged...
05/31/2025

Deposit VS. Down Payment on a House 🏠❗️
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Deposit and down payment–two words that are commonly used and often interchanged. Many first-time buyers get confused about the difference between a down payment vs. deposit when planning their finances for a home 🏠 purchase. While they’re both upfront costs in the home 🏠 buying process, the two terms are entirely different.
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A deposit is money you attach to an offer to show a home 🏠 seller that you’re interested in buying their property. This initial “good faith” payment demonstrates your serious intent to purchase. A down payment is a percentage of the home 🏠 price you pay upfront to close the purchase of a house 🏠.
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The two payments sound similar but vary widely in a few distinct ways. Read on to find out more.
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For more information, refer to the following link in our bio: https://blog.remax.ca/deposit-vs-down-payment-on-a-house/
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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How Much is a Down Payment on a House 🏠❓•When you’re in the market for a new home 🏠, one of the most important questions...
05/31/2025

How Much is a Down Payment on a House 🏠❓
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When you’re in the market for a new home 🏠, one of the most important questions you’ll need to answer is how much you can afford to put down as a down payment.
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In Canada 🇨🇦, how much down payment for a home 🏠 can vary greatly depending on the type of home 🏠 you’re buying, the size of the Mortgage you take out, and other factors. Knowing how much down payment for a house 🏠 is required can help determine if you’re financially prepared for the purchase.
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For more information, refer to the following link in our bio: https://blog.remax.ca/how-much-is-a-down-payment-on-a-house/
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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What is a Vendor Take Back Mortgage❓•A vendor take back Mortgage, also known as VTB Mortgage, is a type of financing arr...
05/03/2025

What is a Vendor Take Back Mortgage❓
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A vendor take back Mortgage, also known as VTB Mortgage, is a type of financing arrangement in Canada 🇨🇦 that involves the seller of a property lending money to the buyer to help them Purchase the property.
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In a vendor take back Mortgage, the seller acts as the lender and accepts payments from the buyer over a specified period, just like a traditional Mortgage.
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However, instead of a bank 🏦 or other financial institution providing the Mortgage, the seller provides the financing, which benefits both parties involved. The property must be owned outright by the seller, meaning there can’t be a Mortgage on the home 🏠 at the time of selling.
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A vendor take back Mortgage can be an attractive option for buyers who may not qualify for traditional financing or sellers looking for additional income streams from their property sale.
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It allows them to use alternative means to secure the house 🏠 they want without using a financial institution as a middleman.
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Let’s learn more about the vendor take back Mortgage and how it benefits buyers, sellers, and property investors.
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For more information, refer to the following link in our bio: https://blog.remax.ca/how-to-take-advantage-of-the-vendor-take-back-mortgage/
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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Splitting Up? How Spousal Buyouts Work❗️•Navigating the aftermath of a divorce or separation can be complicated at the b...
04/25/2025

Splitting Up? How Spousal Buyouts Work❗️
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Navigating the aftermath of a divorce or separation can be complicated at the best of times, but there are extra challenges when property 🏠 is involved.
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A spousal buyout is a practical solution that allows one partner to retain ownership of the shared home 🏠 without the need to sell. This approach maintains stability during a turbulent time and also simplifies the division of assets.
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For more information, refer to the following link in our bio: https://blog.remax.ca/how-spousal-buyouts-work/
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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How to Save for a Down Payment While Renting❗️•Renters across Canada 🇨🇦 have been struggling with rising rent costs and ...
04/25/2025

How to Save for a Down Payment While Renting❗️
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Renters across Canada 🇨🇦 have been struggling with rising rent costs and wondering how they will be able to save for a down payment while renting.
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However, with some money management tricks and adjustments to your daily living, you can save for a down payment. Many successful home 🏠 owners started exactly where you are now, saving small amounts consistently until they reached their goal.
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It might go slowly, but every little bit helps. Here are some tips to save for a down payment while renting.
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For more information, refer to the following link in our bio: https://blog.remax.ca/save-for-a-down-payment/
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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Negotiating a Better Renewal Rate❗️•Renewing your Mortgage is a critical financial decision that can significantly impac...
03/01/2025

Negotiating a Better Renewal Rate❗️
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Renewing your Mortgage is a critical financial decision that can significantly impact your monthly budget and long-term financial health.
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With Mortgage renewal rates fluctuating and various options available, negotiating a better renewal rate can save you thousands of dollars over the life of your loan.
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For more information, refer to the following link in our bio: https://blog.remax.ca/negotiating-a-better-renewal-rate/
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Feel free to contact us today as will help you secure a very low renewal rate through our broker/lender portal.
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Shawn Sef | Mortgage Broker
MAO Inc. | FSRA #12340
📲 Direct Cell: (647)865-9545
📧 Email: [email protected]
Apply Now: 🌐www.equitymainlymatters.ca
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