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My Rates

6 Months 3.10%
1 Year 2.64%
2 Years 2.54%
3 Years 2.84%
4 Years 2.94%
5 Years 3.04%
7 Years 3.79%
10 Years 4.09%
6 Months Open 6.45%
1 Year Open 3.70%
*Rates subject to change and OAC
AGENT LICENSE ID
M13002164
BROKERAGE LICENSE ID
11995
Daniel Char, AMP Mortgage Agent

Daniel Char, AMP

Mortgage Agent


Phone:
Address:
201-10815 Yonge St., Richmond Hill, Ontario

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Are you currently buying a new  home? Moving? Or wanting to pay down your debts? Looking for the right mortgage is a daunting task. Banks are currently tightening up their lending criteria and it is becoming virtually impossible to get a decent rate for your financing needs without being cross sold a multiple of unwanted products or services like credit cards, line of credits and insurance.


Are you Self-employed? Have bad credit? Talk to a licensed mortgage agent today to find out how you can still own your dream home and still pay down high interest debts.  I work with over 40 lenders to negotiate the best rates on your behalf. Remember, I work for YOU, NOT the Lenders!  


Please take the time to browse my website.  Take a look at the services that I offer and how to get in contact with me. We also have mortgage tools on the left to assist you to calculate what you can afford and how much your mortgage amount will be.  
Click “arrange a call back” or email me directly if you have any questions. My goal is to make the transition to your new home as smooth as possible and assist you in achieving your financial goals.


Don't forget to bookmark this website as I update the content continuously to make sure my clients are up to date with information and tools. I am active on social media, so don't forget to follow me on Linkedin, Facebook, Twitter, and my Blog!

 

 


BLOG / NEWS Updates

Canadian home sales edge up again in October

According to statistics released by The Canadian Real Estate Association (CREA), national home sales posted a modest monthly increase in October but remain below levels recorded one year ago. Newly introduced mortgage regulations mean that starting January 1st, all home buyers applying for a new mortgage will need to pass a stress test to qualify for mortgage financing, said CREA President Andrew Peck. This will likely influence some home buyers to purchase before the stress test comes into effect, especially in Canadas pricier housing markets. A professional REALTOR is your best source for information and guidance in negotiations to purchase or sell a home during these changing times. Home sales via Canadian MLS Systems edged up 0.9% in October 2017 on the heels of monthly increases in August and September, but remained almost 11% below the record set in March. National sales momentum is positive heading toward year-end, said Gregory Klump, CREAs Chief Economist. It remains to be seen whether that momentum can continue once the recently announced stress test takes effect beginning on New Years day. The stress test is designed to curtail growth in mortgage debt. If it works as intended, Canadian economic growth may slow by more than currently expected.

Tips to take charge of your finances and live within your means

(NC) Are you stressed about money? Being in control of your spending is one way of reducing stress in your life. According to Statistics Canada, most of us are burdened with high levels of household debt. Simply put, too many people are spending more than they earn. They are saving less and not saving enough for retirement. At the same time, people are living longer. Living within your means is not always easy, especially when money is tight, but it is the best way to avoid excessive debt. A heavy debt load makes you vulnerable if you lose your job, have unexpected expenses or interest rates go up on your loans. Here is how you can start: Make a budget. Having a budget that lays out sources of income and monthly expenses can help you commit to a spending plan. Know the difference between your wants and needs. Put your needs first; your wants can wait. Choose your credit card wisely. Pay off the balance in full each month so you can build a good credit history and avoid high interest charges. Think ahead to retirement. Canadians are living to an average age of 86. If you retire at 65, that could mean you are living off savings for 21 years or more. Start saving as soon as you can. Find more tips from the Financial Consumer Agency of Canada online at canada.ca/it-pays-to-know. www.newscanada.com

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