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Searching for a mortgage solution and all the different options beginning to cause you some anxiety?
Call the MortgageGirl team today and let us help you sort through all the information.

Wondering whether to take fixed vs variable?
Or perhaps you want a mortgage that is both fixed and variable?
Are you considering a shorter term and have heard that a 5 year fixed is the best option?
Questions… we have answers and will work with you to customize your solution.

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You can’t just pick the cheapest bank anymore, you have to pick the winners,”

Craig Fehr, Edward Jones banking analyst, said from St. Louis.

With this in mind pick the winning MortgageGirl team to help you pick the winning strategy with a strong sound lender!

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Now we have 3 variable rate options* for you to choose from:

  • 1 year at prime less .15%
  • 3 year at prime less .40%
  • 5 year at prime less .40%

Below is what CMHC has said about rates.

If you have questions please call us for a FREE consultation and see if any of these terms works for you!

CMHC’s latest Housing Market Outlook suggests a few good reasons why.  Let’s take a closer look at one of them.

Mortgage Rate Outlook Source CMHC 4th Quarter 2009

Mortgage rates have fallen over the course of 2009, but are now expected to remain relatively stable for the rest of the year. Posted mortgage rates will gradually increase through 2010, but will do so at a slow pace. For 2010, the one-year posted mortgage rate will be in the 3.50-4.25 per cent range, while three and five-year posted mortgage rates are forecast to be in the 4.50-6.00 per cent range.

With that being the case this would be an excellent time to put your clients into a short term “ARM” and allow them the opportunity to play out a longer extended period of relatively low rates without having to incur the possibility of a quick spike up in fixed rates given the latest rate forecasts!! If rates do trend upward all indicators point to a slow increase giving your clients the time they need to decide to get into a great 5yr discounted rate.

* Rates subject to change without notice OAC E&OE

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With over 40 years combined experience, the MortgageGirl team can provide you with sound advice on mortgage financing and the best possible interest rates available.

Our promise is to provide superior service to promote confidence in our team. Combine this with top of the line products and the best mortgage rates to ensure customer satisfaction.

Our experience in the industry and access to state of the art mortgage / lending technology we can make the process fast and easy. We will present your mortgage requirements to a broad range of lenders ensuring you get the mortgage that best suits your personal financial needs. Read the rest of this entry »

Peter Fairhead talks about the drop in interest rates and how this affects anyone interested in getting a mortgage, refinancing, investing, or debt consolidation. Listen in for helpful advice on how to net the best results with your money and your mortgage.

Mortgages are situational. You go to a doctor for a medical opinion, a lawyer for legal advice, why not go to an experienced broker for mortgage advice.

Call or fill-out the form below to ask us a question with no obligation to apply. Our goal is to inform our clients to the point they are comfortable making the right decisions with their finances.

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Our website is a wealth of mortgage knowledge to help you choose your best options. Browse the site for current mortgage news affecting your current or new mortgage, Enter some keywords in the search box to your right for a wealth of mortgage information, or fill-out the form below to have your questions answered quickly and professionally by our 40+ year-experienced mortgage brokers!

CIBC – usually one of the most accurate of the banks when it comes to economic predictions re-buttes the Bank of Canada’s analysis of Canada’s credit market.

“Make no mistake: Canada is not doomed to see a U.S.-style housing and mortgage blow-up,” says Chief Economist Avery Shenfeld in the bank’s latest Economic Insights report. “There are three lines of defense for those with high debt service ratios that the BoC analysis ignored.

“One, some mortgage holders will have substantial home equity, even allowing for a house price slide, and could downsize. Two, others have high debt payments because they are making accelerated pay-downs of principal, which they could stop. Three, history suggests that many will jump into fixed mortgages in time to avoid the full brunt of the variable rate shock.

“The result is that the number of Canadians truly at risk could be substantially less than the (Bank of Canada’s) estimate.”