My Rates

6 Months 3.14%
1 Year 3.04%
2 Years 3.19%
3 Years 3.39%
4 Years 3.54%
5 Years 3.59%
7 Years 4.04%
10 Years 4.24%
6 Months Open 6.70%
1 Year Open 4.20%
*Rates subject to change and OAC


Mortgage Agent

60 Lacoste Blvd,Unit 103 Brampton,Ontario , Brampton, Ontario








Welcome Message:

Dear valued client(s), our team of mortgage professionals- brokers and agents welcomes you to our mortgage brokerage, Premium Financial Services, whose mission is “making mortgage easy”. Our brokerage is pleased and poised to work with you, constantly keeping in contact with you and helping you out every step of the way. We will give you personal, wise and unbiased advice for optimum success. And you’ll get a great mortgage rate plus extra services and values. We operate on the key principles of best quality, honesty, integrity and great customer experience while delivering services beyond client’s expectations.

Whether you’re just trying out the property purchase process or already on the way to purchase or refinance an existing property, we’re here to help you make that informed, critical decisions moving forward. Our mortgage advisors work harder and smarter enough to make buying property easy and cost-time saving, whether it’s your first home, or a commercial venture, we’re here to advise you on how to  improve your credit record/score where necessary, and pay off your mortgage 10 years faster. With our mortgage structured planning, housing market insights, and ongoing support, we do mortgage transaction right to give you the best and brightest mortgage product at the lowest rate with best terms and conditions.

We have speedy access to lots of lenders and you’re assured that your information is secure and confidential in the hands of trusted partners and mortgage professionals. Our advisors are well trained and have solid financial background, neatness of financial dealings and track record of financial integrity. Our partners deliver best value for money and policies, making your mortgage experience really decent, comfortable and worthwhile.

We look forward to building a lasting mortgage client relationship with you. Let’s help you to get more value out of your mortgage decision.

Thank you for your business.


Christiana Mbazigwe

Mortgage  Agent/Advisor, FSCO# M12002063

BLOG / NEWS Updates

Canadian home sales activity improves in June

Statistics released today by The Canadian Real Estate Association (CREA) show national home sales were up from May to June 2018. Highlights: National home sales rose 4.1% from May to June. Actual (not seasonally adjusted) activity was down 10.7% from June 2017. The number of newly listed homes eased 1.8% from May to June. The MLS Home Price Index (HPI) in June was up 0.9% year-over-year (y-o-y). The national average sale price edged down 1.3% y-o-y in June. National home sales via Canadian MLS Systems rose 4.1% in June 2018 compared to May. While this marks the first substantive month-over-month increase this year, sales remain well down from monthly levels recorded over the past five years. More than 60% of all local housing markets reported increased sales activity in June compared to May, led by the Greater Toronto Area (GTA). By contrast, sales in British Columbia continue to moderate. Actual (not seasonally adjusted) activity was down almost 11% compared to June 2017. Sales marked a five-year low and stood almost 7% below the 10-year average for the month of June. Activity came in below year-ago levels in about two-thirds of all local markets, led overwhelmingly by those in the Lower Mainland of British Columbia. This years new stress-test on mortgage applicants has been weighing on homes sales activity; however, the increase in June suggests its impact may be starting to lift, said CREA President Barb Sukkau. The extent to which the stress-test continues to sideline home buyers varies by housing market and price range. All real estate is local, and REALTORS remain your best source for information about sales and listings where you live or might like to in the future, said Sukkau.

Bank of Canada raises overnight rate target to 1 ½ per cent

The Bank of Canada today increased its target for the overnight rate to 1 per cent. The Bank Rate is correspondingly 1 per cent and the deposit rate is 1 per cent. The Bank expects the global economy to grow by about 3 per cent in 2018 and 3 per cent in 2019, in line with the April Monetary Policy Report (MPR). The US economy is proving stronger than expected, reinforcing market expectations of higher policy rates and pushing up the US dollar. This is contributing to financial stresses in some emerging market economies. Meanwhile, oil prices have risen. Yet, the Canadian dollar is lower, reflecting broad-based US dollar strength and concerns about trade actions. The possibility of more trade protectionism is the most important threat to global prospects. Canadas economy continues to operate close to its capacity and the composition of growth is shifting. Temporary factors are causing volatility in quarterly growth rates: the Bank projects a pick-up to 2.8 per cent in the second quarter and a moderation to 1.5 per cent in the third. Household spending is being dampened by higher interest rates and tighter mortgage lending guidelines. Recent data suggest housing markets are beginning to stabilize following a weak start to 2018. Meanwhile, exports are being buoyed by strong global demand and higher commodity prices. Business investment is growing in response to solid demand growth and capacity pressures, although trade tensions are weighing on investment in some sectors. Overall, the Bank still expects average growth of close to 2 per cent over 2018-2020.


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