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My Rates

6 Months 3.14%
1 Year 3.04%
2 Years 3.19%
3 Years 3.39%
4 Years 3.44%
5 Years 3.49%
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
M15002103
BROKERAGE LICENSE ID
12347
Kevin Cheatley Mortgage Agent

Kevin Cheatley

Mortgage Agent


Phone:
Address:
18-865 York Mills Road, Toronto, Ontario

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When you're getting a mortgage, it can be an overwhelming experience. As with anything in life,       It Pays To Shop Around!

 

 

Many Canadian homeowners pay too much for their homes because they are unable to secure the best mortgage financing available in the market. 

 

 

Everyone’s situation is different and that means there is no one size fits all approach. With something as important as your mortgage you want to ensure it is a personalized fit. I Have access to over Forty different financial lending institutions. This allows me to shop around and find the best mortgage for your immediate financial needs, and your plans for the future. 

 

 

As a Verico Mortgage Specialist it is my goal to ensure you get the right rate, from the right lender, for your mortgage and any subsequent renewals. 

 

 

So whether you're looking for a new mortgage, interested in refinancing, or looking at renewing your current mortgage, look no further.  My name is Kevin Cheatley, and I make it my business to find the best mortgage for you.


BLOG / NEWS Updates

Stress Test Best Practices Tool Kit

With the new Office of the Superintendent of Financial Institutions stress test rules firmly in place since January, Canadian homebuyers have learned they need to arm themselves with practical information on how they can ensure they are stress-test ready. The following is a guide and best practices tool kit for those about to embark on securing their new or next mortgage: Make a financial plan Any time a big purchase is at stake, laying out a financial plan is always the best first step to take. By creating a plan, home buyers can protect themselves from increased interest rates and ensure they are staying on budget. Have a contingency fund Without question and now more than ever, home buyers need to establish contingency funds. Its incredibly important to have funds set aside when unexpected costs such as property repairs arise. An established contingency fund also looks good to financial lenders. Pay off debts and increase downpayment The most important tool in the Best Practices Tool Kit is to pay off debts as quickly as possible and maximize your down payment. If you already have a mortgage, increase the frequency of payments by taking advantage of what the financial institution offers such as accelerated bi-weekly payments. Broaden search parameters Although you may have an ideal neighbourhood in mind, it is important to also consider broadening those search parameters. Often there are homes in other neighborhoods that could be a perfect choice if you are willing to commute a little longer. Im here to help you I can help you to navigate confusion surrounding the stress test. Ultimately, being stress test ready means being ready for future increases in rate so that you can afford your next home comfortably on your budget.

Preventing Falls on Stairs

Accessible housing refers to homes that are designed or modified to enable independent living for all residents, including seniors or persons with disabilities. Accessibility can be achieved through architectural design and also by integrating accessibility features, such as lowered light switches, grab bars, walk-in bathtubs, lowered shelves and cupboards, modified furniture or by installing electronic devices in the home. Stairs in the home can be dangerous and can be a barrier to accessibility unless they are designed or modified to reduce the risk of falls. If residents have limited mobility, it may be necessary to install ramps, home elevators or stairlifts to make the home safe and accessible. A high percentage of Canadians who visit hospitals after a fall on or from stairs or steps in their homes are seniors (men and women 65 years or older). When seniors fall, the consequences can be severe and long-lasting. Most falls on stairs can be prevented. Prevention starts by keeping in mind that there are risks in using stairs. Good planning and simple strategies can help prevent falls and injuries. Click here for more information https://www.cmhc-schl.gc.ca/odpub/pdf/63637.pdf?fr=1441901329905

MY LENDERS

TD Bank Scotia Bank First National B2B Bank Home Trust
MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank Fisgard Capital  RMG Mortgages Street Capital