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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
m15001201
BROKERAGE LICENSE ID
10317
Deren Hasip Senior Mortgage Agent

Deren Hasip

Senior Mortgage Agent


Address:
1796 Bloor Street West, Toronto, Ontario

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With a solid foundation working for some of Canada's top banks, I've helped over a thousand clients structure solutions to build wealth and achieve their home ownership dreams.  Give me a call to discuss:

 

* Options as a first time home buyer

* Existing Mortgage Health Check

* Refinancing to improve cash flow and/or reduce your cost of financing

* Strategies to minimize costs as a Move Up buyer

* Vacation homes

* Investment properties

* Unique solutions with Credit Unions, Alternate and Private lenders

* Solutions when dealing with bruised credit

 

Having built a strong network of professionals, the advice and expertise I offer my clients extend beyond that of my immediate resources to that of my business partners.  Our partners specialize in and are happy to talk to you about:

 

* Residential and Commercial Real Estate

* Family and Real Esate Law

* Accounting

* Insurance (Home, Auto and Life)

* Investment Planning

* Will and Estate Planning

* Home Inspection

 

Delivering unique solutions tailored to your personal needs, give me a call...let us take that next step together!


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

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