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My Rates

1 Year 3.19%
2 Years 3.29%
3 Years 3.29%
4 Years 3.54%
5 Years 3.29%
7 Years 4.04%
10 Years 4.09%
*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

Canadian home sales activity strengthens in July

Statistics released today by The Canadian Real Estate Association (CREA) show national home sales were up from June to July 2018. Highlights: National home sales rose 1.9% from June to July. Actual (not seasonally adjusted) activity was down 1.3% from July 2017. The number of newly listed homes edged down 1.2% from June to July. The MLS Home Price Index (HPI) in July was up 2.1% year-over-year (y-o-y). The national average sale price edged up 1% y-o-y. National home sales via Canadian MLS Systems rose 1.9% in July 2018, building on increases in each of the two previous months but still running below levels recorded from mid-2013 to the end of last year. Led by the Greater Toronto Area (GTA), more than half of all local housing markets reported an increase sales activity from June to July. Actual (not seasonally adjusted) activity was down 1.3% y-o-y. The result reflects fewer sales in major urban centres in British Columbia and an offsetting improvement in activity in the GTA. This years new stress-test on mortgage applicants continues to weigh on home sales but its effect may be starting to fade slightly in Toronto and nearby markets, said CREA President Barb Sukkau. The degree to which the stress-test continues to sideline home buyers varies depending on location, housing type and price range. All real estate is local, and REALTORSremain your best source for information about sales and listings where you live or might like to in the future, said Sukkau. Improving national home sales activity in recent months obscures significant differences in regional trends for home sales and prices, said Gregory Klump, CREAs Chief Economist. Regardless, rising interest rates and this years stress test on mortgage applicants will likely prove to be difficult hurdles to overcome for many would-be first time and move-up homebuyers, heading into the second half of the year and beyond.

Hacks to slash your car expenses

(NC) When you consider the rising costs of gas and insurance, owning a vehicle can get pricey. Fortunately, these easy tips can help lower how much you spend on your car so theres more room in your budget for other expenses, like groceries and recreation. Increase your fuel economy. Did you know that a small spark plug problem can lead to a big expense? A dirty spark plug can cause a misfire, which wastes fuel and can ultimately harm your engine. To combat this, look for a spark plug thats designed for improved fuel economy, like the those from Fram. Try the Autolite Iridium XP Enhanced Alloy Technology line, which is precisely engineered with a focused ignition point for maximum power, efficiency and life. Get regular tune-ups. When a vehicle is properly tuned, all systems work in harmony, including the fuel, ignition, emission and computer systems. While it can be a hassle getting to regular appointments at your mechanic or dealer, remember that you are investing in the long-term performance of your car, saving you time and money. Regular engine tune-ups bring power and efficiency back to your car, ensuring that its reliable, safe and road-ready. Change your filters. There are many ways to keep your engine in good shape, helping it to last longer. One is checking the air filter every time you have the oil changed, because engine life and durability are directly related to keeping incoming air clean. Its an air filters job to remove contaminants from the air before it goes into the engine, and neglecting this component results in reduced performance. Fram extra guard filters provide premium engine protection and are proven to let in two times less dirt than the average leading standard retail brands. www.newscanada.com

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