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My Rates

6 Months 3.30%
1 Year 2.99%
2 Years 2.89%
3 Years 2.74%
4 Years 2.94%
5 Years 2.69%
7 Years 3.44%
10 Years 3.44%
*Rates subject to change and OAC
AGENT LICENSE ID
M08004226
BROKERAGE LICENSE ID
10317
Kristen Gignac Mortgage Broker

Kristen Gignac

Mortgage Broker


Phone:
Address:
1454 King Street East, Suite 3, Kitchener, Ontario

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BENEFITS OF WORKING WITH A MORTGAGE BROKER

Why use an accountant? Why use a mechanic? Why go to the doctor? Like all industries, specialized experience is what gives us the edge. Finding the right mortgage broker can provide optimum results.

Just as a GPS determines your current position before giving you the direction to where you are going, we will ask the necessary questions to narrow down the options to determine the best action plan for you and your family’s future. Whether you are looking to down-size because the kids are going to college or upgrade your home with a growing family the plan on how to get there from where you are currently positioned is always the first and best step in getting you there. We can help you make it happen.

Mortgages can be complicated and the main benefit of using a mortgage broker is so you don’t have to know everything about the industry but still have access to the advantages offered to people who do!

Why not just go to your bank? They can only offer you the products they have available, as they are a lender. A mortgage broker has access to bank products as well as other lenders’ product options to ensure you get a true selection from the best of the best of what is being offered in the marketplace.

Contact us today to find out how we can help make your dreams a reality!

Contact Kristen Gignac, Experienced Mortgage Broker for all your commercial and residential mortgage needs across Etobicoke, Toronto, Pickering and surrounding areas.


BLOG / NEWS Updates

Almost no annual growth for national HPI

The national HPI has grown at a below-inflation rate of 0.5% over the last 12 months, the smallest gain since November 2009. Moreover, the fact that monthly gains are reported for May and June does not mean that the market recently turned the corner. These two months typically register the strongest growth rates in a year. Indeed, the two latest rises were among the weakest in history for months of May and June. If seasonally adjusted, the national HPI would been down in both months this year. However, the weakness is not regionally broad-based. The national HPI was dragged down by 12-month home price declines in Western Canada metropolitan areas (Vancouver, Calgary, Edmonton and Winnipeg) and a tiny increase in Victoria. In Central Canada and in the East, home price growth ranges from decent to strong (left chart). This is consistent with the state of home resale markets. For example, the Vancouver market turned favorable to buyers at the end of last year, while the Toronto market remained balanced and Montreal’s market has never been this tight since 2005. That being said, a rebound in home sales recently occurred in Canada which was also felt in the largest Western metropolitan areas. This should help limit home-price deflation in these areas. The Teranet–National Bank Composite National House Price Index increased 0.8% in June, a second gain in a row after an eight-month string without a rise. Highlights: On a monthly basis, the index rose in 8 of the 11 markets covered: Winnipeg (0.1%), Quebec City (0.3%), Montreal (0.8%), Toronto (1.3%), Halifax (1.5%), Hamilton (+1.6%), Victoria (+2.1%) and Ottawa-Gatineau (+2.2%). The index was down in Calgary (-0.1%) and Vancouver (-0.3%), and flat in Edmonton. From June 2018 to June 2019, the Composite index rose 0.5%, the smallest 12-month gain in ten years. The HPI declined in Vancouver (-4.9%), Calgary (-3.8%), Edmonton (-2.6%) and Winnipeg (-0.4%). It was up in Victoria (0.3%), Quebec City (1.5%), Halifax (2.7%), Toronto (2.8%), Hamilton (4.8%), Montreal (5.4%) and Ottawa-Gatineau (6.3%). Source: National Bank Financial Markets; Marc Pinsonneault

NORTHERN STAR (FOR NOW...)

In contrast to the US, Canadian growth is accelerating sharply going into the second quarter, following a solid gain in domestic demand to start the year. Fast, and accelerating, population growth, and remarkably strong employment growth are providing a solid underpinning to consumer spending and the housing market. Positive export data suggest that the ongoing strength in domestic demand will be buttressed by net exports in the second quarter, and possibly beyond. Canadian inflation is at the Bank of Canadas target, in sharp contrast to the US, where it has moved away from the Feds objective. This gives the BoC room to keep rates on hold if inflation remains on target. Downside risks remain important and are all linked to US-centric developments, with worries about US trade policy ongoing despite the pause with China. Recent Canadian developments stand in sharp contrast to events in much of the rest of the world. Whereas US growth is clearly decelerating, Canadian growth is on an upswing, with recent indicators pointing to a very sharp rebound from a somewhat sluggish start to the year. Canadians appear to be, for the time being, largely insulated from the broader malaise facing the global economy as consumer and business confidence has improved sharply in recent quarters, owing to strong sales and job creation. While there are a number of factors suggesting that the growth rebound observed will persist through 2020, there is a risk that a divergence between Canadian and US outcomes may not last. Source: Scotiabank Economics

MY LENDERS

TD Bank Scotia Bank Attain Mortgage First National MCAP B2B Bank
Home Trust Merix Equitable Bank Street Capital CMLS Fisgard Capital
ICICI Bank Optimum  RMG Mortgages Bridgewater Marathon Mortgages