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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 3.44%
10 Years 3.84%
6 Months Open 6.45%
1 Year Open 3.70%
*Rates subject to change and OAC
AGENT LICENSE ID
M11002298
BROKERAGE LICENSE ID
11968
Emad Ibrahim Mortgage Agent

Emad Ibrahim

Mortgage Agent


Phone:
Address:
3011 Mrkham Rd unit 3, Markham, Ontario

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I will tailor home loan packages that best suit your needs. 
Mortgage and finance, specialises in home, investment and commercial loans, focusing in all areas such as purchases, refinance, first home buyers, and self employed, to just name a few!
Whether you want to build it, buy it or remodel it, I am ready and willing to help you create the home of your dreams. Helping you realize your dream home is what I love most about my job. Let me professionally analyze your mortgage needs and together we can ensure that you are making a financially sound decision on potentially the largest investment of your life.
As your Mortgage Consultant, I make a life-long commitment to helping you achieve your financial goals by listening to your needs. As your goals grow and change, so will your mortgage needs. I will be your trusted lender, a friendly ally to aid you along life's financial journey. If stability, experience and integrity are attributes you seek, I look forward to working with you!
Most important of all I listen to you to understand your current needs and long term financial goals, helping you secure your financial future it is my goal.


BLOG / NEWS Updates

OSFI tightens mortgage rules Edit

The Office of the Superintendent of Financial Institutions Canada (OSFI) published the final version of Guideline B-20 Residential Mortgage Underwriting Practices and Procedures. The revised Guideline, which comes into effect on January 1, 2018, applies to all federally regulated financial institutions. The changes to Guideline B-20 reinforce OSFIs expectation that federally regulated mortgage lenders remain vigilant in their mortgage underwriting practices. The final Guideline focuses on the minimum qualifying rate for uninsured mortgages, expectations around loan-to-value (LTV) frameworks and limits, and restrictions to transactions designed to circumvent those LTV limits. OSFI is setting a new minimum qualifying rate, or stress test, for uninsured mortgages. Guideline B-20 now requires the minimum qualifying rate for uninsured mortgages to be the greater of the five-year benchmark rate published by the Bank of Canada or the contractual mortgage rate +2%. OSFI is requiring lenders to enhance their loan-to-value (LTV) measurement and limits so they will be dynamic and responsive to risk. Under the final Guideline, federally regulated financial institutions must establish and adhere to appropriate LTV ratio limits that are reflective of risk and are updated as housing markets and the economic environment evolve. OSFI is placing restrictions on certain lending arrangements that are designed, or appear designed to circumvent LTV limits. A federally regulated financial institution is prohibited from arranging with another lender a mortgage, or a combination of a mortgage and other lending products, in any form that circumvents the institutions maximum LTV ratio or other limits in its residential mortgage underwriting policy, or any requirements established by law. To find out how this will affect you, please contact me at anytime.

Easy ways to keep more money in your pocket

It goes without saying that most of us would appreciate a little more money in our pockets. Believe it or not, its actually an achievable goal. In fact, a few simple tips can help you uncover meaningful savings each and every month. Need some ideas? Heres a little inspiration to get you started: 1. Pack food from home for lunches and snacks. Skip sandwich bags and opt for reusable containers, cutlery and drink bottle. 2. Switch light bulbs to CFLs. On average, it costs $250 a year in energy costs to light your home with incandescents. Save $150 by going with CFLs. Theyre more expensive initially, but will last 10 times longer. 3. Review and negotiate your service plansphone, internet, cable and television content. 4. Invest in topping up your insulation. Attic insulation can settle and compact over time, diminishing its original R-value and increasing heating/cooling costs. Topping it up with a quality batt insulation, like Roxul Comfortbatt, will immediately help improve the comfort of your home and reduce your monthly energy bills. 5. Pay off credit card debt and swap cards for lower interest rate options. 6. Install low-flow water fixtures to cut down on excess water consumption. 7. Lower your thermostat by two degrees in cold weather and increase it by two degrees in warmer weather. 8. Launder your clothes in cold water and at off-peak times. 9. Avoid impulse shopping. Stick to your list and avoid window shopping, which tends to draw buyers in. 10. Save money on entertainment by looking for free activities. For options in your area, try a simple internet search. You might be pleasantly surprised at the wide variety of activities and entertainment available for no or low cost. Collectively employing the tips above could potentially add up to thousands in annual savings, proving that sometimes change can be a good thing. www.newscanada.com

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