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My Rates

6 Months 3.14%
1 Year 2.89%
2 Years 2.54%
3 Years 3.09%
4 Years 2.99%
5 Years 2.99%
7 Years 3.79%
10 Years 4.09%
6 Months Open 6.00%
1 Year Open 3.95%
*Rates subject to change and OAC
AGENT LICENSE ID
M08007884
BROKERAGE LICENSE ID
12805
Jivan Sanghera Mortgage Broker

Jivan Sanghera

Mortgage Broker


Phone:
Address:
4361 Harvester Rd Unit 7, Burlington, Ontario

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Welcome to Circle Mortgage Group. Where you can get the best mortgage rates, but still receive Old School advice. We are one of very few Better Business Bureau Accredited Mortgage Brokers.

 

We are here to meet you at your convenience either at one of our office locations, in your home, or online via Skype, or Facetime.

 

At Circle Mortgage Group we believe that each consumer should get advice prior to entering in to any Mortgage Approval. Assistance in understanding the nuances of each and every lender that offers them a mortgage. Taking the time to do this results in a happy and informed client. We make sure you understand how your rate is calculated but also how your Mortgage Penalty is calculated. So in the event that a life change happens, you are already prepared and you know how your Mortgage can move with you.

 

Getting the best rate is only one part of a transaction, making sure you have the best product should be your primary goal. Reach out to us, we will make sure that you are getting the best rate and product for your scenario.

 

So whether you are a first time buyer or a commercial client try us! You will see the Circle Difference. Probably by the end of our initial conversation.


BLOG / NEWS Updates

Vancouver the main driver of the Composite in December

Vancouver the main driver of the Composite in December says Teranet and National Bank of Canada Without Vancouver, the Composite index would have declined for a fourth month in a row. The strength of Vancouver’s index is consistent with continued tight home resale market conditions. Toronto’s index declined for a fifth consecutive month, but the unsmoothed index (see note on methodology on next page) rose for a second month in a row (middle chart). Unless the unsmoothed index relapses in January, the sequence of declines in the smoothed index should then be interrupted. However this improvement is likely to prove temporary, as it might have resulted from buyers rushing to avoid the new bylaws on qualification for an uninsured mortgage (implemented in January 2018). This view is supported by the increase in Toronto home sales in November and December compared to previous months (bottom chart). Therefore, a resumption of the downward price trend early this year cannot be excluded. Please click on the link below to access the full report: 201712 TNB monthly commentary

Bank of Canada increases overnight rate target to 1 1/4 per cent

The Bank of Canada today increased its target for the overnight rate to 1 1/4 per cent. The Bank Rate is correspondingly 1 1/2 per cent and the deposit rate is 1 per cent. Recent data have been strong, inflation is close to target, and the economy is operating roughly at capacity. However, uncertainty surrounding the future of the North American Free Trade Agreement (NAFTA) is clouding the economic outlook. The global economy continues to strengthen, with growth expected to average 3 1/2 per cent over the projection horizon. Growth in advanced economies is projected to be stronger than in the Banks October Monetary Policy Report(MPR). In particular, there are signs of increasing momentum in the US economy, which will be boosted further by recent tax changes. Global commodity prices are higher, although the benefits to Canada are being diluted by wider spreads between benchmark world and Canadian oil prices. In Canada, real GDP growth is expected to slow to 2.2 per cent in 2018 and 1.6 per cent in 2019, following an estimated 3.0 per cent in 2017. Growth is expected to remain above potential through the first quarter of 2018 and then slow to a rate close to potential for the rest of the projection horizon.

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