Understand Mortgage, Make Smart, Informed Financial Decisions.
Understanding your mortgage options is essential to making confident real estate decisions. I provide straightforward guidance, trusted resources, and expert insight to help you choose the right financing solution for your goals.
Smart Financing Starts Here
Types of Mortgages
There are a number of mortgage options available to buyers, offering different levels of stability and flexibility. The realtor explains to you different types like fixed rate, variable rate, hybrid mortgages, etc. in simple terms. You learn about the different mortgages, monthly payments, and risk levels, and choose the best one that supports your objectives.
CMHC Rules
If you’re making a down payment of less than 20%, CMHC mortgage insurance becomes an essential part of your purchase. Through this guide, you learn about who needs CMHC and what the governing rules are that lenders must follow for insured mortgages. You learns how CMHC analyse your overall buying capacity and how your approval is impact.
Stress Test & Interest Rates
The Canadian Government enables you to afford the mortgage even if the rate rises in the future. This mortgage stress test decomposes into how the test works, what is the qualifying rate how your maximum purchase price is affected. The long term affordability and downturn in interest rates are explained in a manner to make smart and future-proof decision.
Working with Lalli Brar was an absolute game-changer. From our first meeting, she made the buying process simple, clear, and stress-free. Her market knowledge, negotiation skills, and attention to detail helped us find our dream home at the perfect price. I couldn’t have asked for a better realtor — I would highly recommend her.
Samantha R.
Brampton, ON
ContactMe
Reach out today and take the first step toward your dream home.
Call us on
+1 647-123-1234
Email Us
info@lalliebrar.ca
Visit Office
123 Mississauga Rd, Ontario
Your real estate journey starts here — I’m just a message away.