My Rates

6 Months 3.95%
1 Year 2.29%
2 Years 2.19%
3 Years 2.29%
4 Years 2.44%
5 Years 2.39%
7 Years 3.44%
10 Years 3.84%
6 Months Open 6.30%
1 Year Open 6.30%
*Rates subject to change and OAC
Po and Stefan Krepski Mortgage Broker

Po and Stefan Krepski

Mortgage Broker

Unit 106 - 18 Deakin Street, Ottawa, 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 we're here to help!

We are Capital Mortgage Inc brokers and are independent, unbiased, experts, here to help you move into a home you love.

We have access to mortgage products from over forty lenders at our fingertips and we 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.

We 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 — We are the VERICO Mortgage Advisors who can help you get the right financing, from the right lender, at the right rate.

BLOG / NEWS Updates

Excellent Article by S.Anthony Iannarino.

The professional never stops studying theircraft. They never stop training, and they never stop trying to make the distinctions that allow them to improve their performance.The amateur stops learning as soon as they achieve some basic level of competence. They stop training , and they don't focus on learning more, even when it will improve their performance.The professional is open to new ideas. They don't criticize the way other people do things. Instead, they try to understand why someone else does it different, what that person sees, and how it might sometimes be useful.The amateur isn't open to new ideas. Because they are full offear, they criticize and belittle new ideas and people who do things differently. They never look deep enough into something new or how it might benefit them.The professional prepares. The professional hasritualsthat they have built and refined over time. This preparation allows them to deliver exceptional results.To the amateur, preparation looks boring and unnecessary. They refuse to invest the time and energy into preparation, and because they are unprepared, they produce shoddy and haphazard results (when they produce any results).The professional focuses on the fundamentals. They are never bored practicing something they have rehearsed and executed a thousand times before. It's their mastery of the fundamentals that make them professional.The amateur seeksnovelty. They are easily bored and float from one thing to the next, believing that the results they seek will be found in the next big thing.The professional doesn't need anything more thefundamental tools of her trade. She knows that it isn't the tools that make the performance.The amateur looks the part. They have all of the latest and greatest tools, none of which improves their performance.The professional doesn't make excuses. He doesn't take shortcuts. He takes his time and pours himself into his work.The amateur believes that their lack of results are someone else's fault, someone else's responsibility. He takes shortcuts. He does as little work as necessary.Each of us makes a choice as to how we approach our work. You can choose the more difficult path of the professional and do work that makes a difference. Or you can dabble with the amateurs and try to scrape by.

Top five home renovations that increase property value

Looking to increase your homes property value? Here are five of the best renovations you can do to your home to increase property value. These five renovations can sometimes have a return on investment 5-6x what they cost. #5 Flooring Flooring is one of the most important aspects of your house. You will see an immediate rise in property valuation with the installation of hardwood floors. Existing hardwood floors that you can refinish are ideal as they are less costly to restore and in higher demand than new flooring materials. For the bathroom, tile will always be in demand and retain value exceptionally well. #4 Fixtures Kitchens often look tired and dated, in large part due to old fixtures. Replacing or updating cabinet hardware, light fixtures, countertops and faucets will result in an immediate increase in your homes value. This small, but effective upgrade will also revitalize the entire home. Pot lights are in high demand in open concept style homes. #3 Bathroom Thebathroomis the second most important room in the home in terms of valuation. If you can add a three-piece bathroom to a home with only one full bathroom, you will see a dramatic rise in the market value of your home. While you should never compromise bedroom space for a bathroom, try sneaking one in dead space in the home. Scott managed to fit in a 3-piece bathroom under a staircase the width of the room measured just 44 inches. As an added tip, use glass for the shower to make the bathroom feel more spacious. #2 Kitchen Kitchens are the single most important room in the home relating to valuation. The kitchen can make a significant difference in the value of your home. As such, it is crucial that you invest in having a modern, fresh anddesirable kitchen. Modern cabinetry, under cabinet lighting and new appliances will all significantly increase the value of your home on the market. To save on cost without compromising construction and desirability, look at options like Ikea cabinets as opposed to custom cabinetry. #1 An Income Suite No surprise, but the single biggest way to increase the value of your home is to build an income suite within the property. Whether this is converting yourbasement into a rental, or another floor in the home, an income property will increase your homes worth. The main reason for this is that it covers a portion, or sometimes all of your mortgage payments, and results in your home being cash flow positive which creates real wealth that can supplement your income. sources:www.homeownership.ca; www.genworth.ca


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