My Rates

6 Months 3.10%
1 Year 2.44%
2 Years 2.14%
3 Years 2.34%
4 Years 2.59%
5 Years 2.64%
7 Years 3.24%
10 Years 3.79%
6 Months Open 3.10%
*Rates subject to change and OAC
Danny Kellman Mortgage Broker

Danny Kellman

Mortgage Broker

885 Progress Ave. UPH#3, Toronto, Ontario









It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Broker Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Broker Advisor who can help you get the right financing, from the right lender, at the right rate.

BLOG / NEWS Updates

How to financially prepare for a maternity leave

(NC) Preparation for a new baby often starts from the moment we see that first sonogram. Beyond the diapers, bottles and furniture to be purchased, there is one thing new parents should not overlook: the cost of maternity leave. If youre planning to take a year off work and havent saved any money, it can be financially stressful. To better prepare for this reduced income period, heres an overview: New moms can take up to 52 weeks off from their jobs but it doesnt come with a full pay cheque.If you have worked at least 600 hours and your weekly earnings while on leave will be reduced by more than 40 per cent, you can claim Employment Insurance (EI) which provides a limited source of income during your leave. EI benefits are calculated as 55 per cent of your normal earnings up to a maximum amount. As of January 1, 2015, the maximum yearly insurable earnings amount is $49,500 which amounts to $524 per week. Some organizations offer a top-up to EI which can help, but its usually limited to a certain number of weeks. With this in mind, Wade Stayzer, the vice president of sales and service with Meridian, Ontarios largest credit union, offers the following tips to help with the costs of raising a child during the first year: 1. Assess who should stay home: If the mother is the breadwinner, it might make financial sense to have the father stay home to minimize the impact on the familys finances. 2. List all expenses: If you dont already have a household budget, track where your money goes each month and calculate costs for everything your new baby will need, such as diapers, formula, and more. 3. Calculate your maternity/paternity leave income: Determine if you are eligible for EI, how much you will receive, if your company offers a top-up, plus any other sources of income. 4. Start saving: If your anticipated expenses are significantly higher than your expected income, you should start saving before the baby arrives. The difference between your expenses and anticipated income is the absolute minimum you should be saving each month to fill the void during your time off. Dont let the lack of preparation add more stress to an already chaotic life as a new parent, adds Stayzer. Having a financial plan in place before the new bundle of joy arrives will allow you to focus all attention on enjoying the precious moments without worry of making ends meet. More information is available atwww.meridiancu.ca. www.newscanada.com Have mortgage questions? Im here to help you! Please feel free to contact me with any questions you may have. It would be a pleasure to assist you or any one of your friends or family members!

Latest Trends in Home Decor

(NC) Heres a look at some key trends being seen in homes across Canada, according to Karl Lohnes, a home interior and product design authority. Colour Rooms will feel comforting and intimate with charcoal and butterscotch, two great neutrals. Bring them into your home from the floor to the ceiling and dont forget the windows. Bone is also the new white. The new hue helps to warm up the ever-popular greys and blues. Pattern/Textures Natural, un-embellished fabrics and furnishings are becoming increasingly popular. On the pattern front, plaid fabrics will replace summery gingham checks in fabrics and wallpaper. Furniture Modern furniture shapes are still popular, but have a soft or round edge; reminiscent of Scandinavian styles from the 1970s and 1980s. At the Window Heavy draperies that block views and natural light sources are being replaced by pared-down window treatments that let in light without looking dated. The Connected Home Technology has become an expected feature in any new home and existing homeowners are also loving the wire-free aesthetic (and safety aspect) that it offers. Imagine being at work and having the ability to go online to close your window shades, turn on lights or change the temperature within your home. New PowerView Motorization, available on a wide array of Hunter Douglas window treatments, allows your shades to adjust themselves automatically. www.newscanada.com Have mortgage questions? Im here to help you! Please feel free to contact me with any questions you may have. It would be a pleasure to assist you or any one of your friends or family members!


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