HOME RATES ABOUT SERVICES VIDEOS BLOG CONTACT ME TEAM

My Rates

6 Months 3.10%
1 Year 2.64%
2 Years 2.54%
3 Years 2.84%
4 Years 2.94%
5 Years 2.99%
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
M11002298
BROKERAGE LICENSE ID
11968
Emad Ibrahim Mortgage Agent

Emad Ibrahim

Mortgage Agent


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

BROWSE

PARTNERS

COMPLETE

THE SURVEY

REFER

A FRIEND

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

Housing Market Digest by Will Dunning, Economist for Mortgage Professionals Canada

The Office of the Superintendent of Financial Institutions (OSFI) now requires that all residential mortgages by federally-regulated lenders must be stress-tested, at two percentage points above the contract interest rate (or the 5- year posted rate, if that is higher). In combination with the requirements for mortgage insurance, about 90% of all new mortgages will be tested. This can be expected to reduce housing activity by 10-15%. It is on top of the impact from recent rises for mortgage interest rates (another 5-10% drop in activity). The combined 15-25% drop in housing activity will affect the broader economy. In two years, employment could be 150,000-250,000 lower than it would otherwise be. There is a risk that house prices will fall. In a modern economy, a sustained drop in house prices is one of the most dangerous things that can happen: as happened in the US a decade ago, falling house prices can turn into widespread economic decline. Resale activity recovered a bit more in September, to 492,900, due to partial rebounds in BC and Ontario. Activity is flat in most other areas. CREAs House Price Index was flat in September. The year-over-year change is now 10.7% (down from the peak of 19.7% that was seen in April). The sales-to-new-listings ratio (SNLR) was 55.7% in September, slightly above the balanced market threshold of 51%. This indicator points to an outlook for stable prices (at worst). But, as noted, OSFIs stress test policy creates a risk of falling prices. We should, in general, expect that resale activity will trend upwards over time, because the population is growing and the housing inventory is expanding. Therefore, it is useful to look at sales on a per capita basis. Recent activity is below the long-term average.

Employment increased by 35,000 in October

In October, employment rose for youth aged 15 to 24, while it was little changed for the core-aged population of 25- to- 54 year-olds, and for people 55 and older. The largest employment increase was in Quebec, followed by Alberta, Manitoba, Newfoundland and Labrador, and New Brunswick. At the same time, there was a decline in Saskatchewan. Employment rose in several industries, led by other services; construction; information, culture and recreation; and agriculture. Employment declined in wholesale and retail trade. The number of private sector employees increased in October, while public sector employment and self-employment were little changed.

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