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Livingroom | Kane Kardash | Calgary | Ontario | Mortgage Broker



Are you looking to access some of the equity built up in your property, take advantage of a lower rate or consolidate some debt?

Refinancing can be a great option.

When you refinance your mortgage, we'll renegotiate your current mortgage agreement to lower your payments or borrowing costs. Refinancing your mortgage allows you to access the equity in your home so you can use the extra cash for a variety of reasons.

Mortgage Renewal

Two Way To Access The Equity in Your Home

Two Way To Access The Equity in Your Home

There are two common ways to access the equity in your home: a standard refinance or getting a HELOC.

What Is Title Insurance and Why You Should Have It

What Is Title Insurance and Why You Should Have It

Title insurance can protect you against any disputes over who has rights to the property, and you can even purchase it after you buy.

Another option at the end of your mortgage term is to renew. This is a great opportunity to assess your financial situation to see how your current mortgage fits in with achieving your financial goals.  

We'll go through a couple of questions such as does your monthly budget have room for you to increase your mortgage payment amount or do you think you will want to borrow more money from your lender during this next term? If so, you’ll want to consider the prepayment penalties involved in a refinance.

If your existing mortgage lender has sent you a renewal offer in the mail, let's take a look before you sign it. I can give you a second opinion. There is always room to negotiate.

Commercial mortgages are different from residential mortgages in a number of ways. Typically, less of the total value of the property is covered by the loan, meaning you'll need a larger down payment than a residential mortgage. A typical down payment on a mixed property falls between 20 - 35%. A pure commercial property is typically higher, near 50%. 

Also, you'll likely be paying a higher interest rate than on a residential mortgage. 

Let's have a call to talk about if a commercial mortgage is right for you.

Commercial Mortgages

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