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My Rates

6 Months 3.14%
1 Year 2.24%
2 Years 2.24%
3 Years 2.19%
4 Years 2.24%
5 Years 2.24%
7 Years 2.54%
10 Years 2.99%
*Rates subject to change and OAC
AGENT LICENSE ID
M12000957
BROKERAGE LICENSE ID
12060
Alan Gilman Broker

Alan Gilman

Broker


Phone:
Address:
800 Industrial Unit 9, Ottawa, Ontario

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RESIDENTIAL FINANCING

 

Transaction Types: Purchases, Refinances, Home Equity Lines of Credit, Home Equity Loans, Debt Consolidation, Construction Financing, 2nd Mortgages, Reverse Mortgages

 

Financing Options: Banks, Credit Unions, Trust Companies, Non-Bank Lenders, Monoline Lenders, Alternative Lenders ("B" Tier), Mortgage Investment Corporations, Private Lenders

 

Property Types: Owner Occupied, Vacation Property, Investment Property, Raw Land

 

Special Programs: Self Employed, 1st-Time Buyers, Bruised Credit, New to Canada, Non Residents, Spousal Buyouts, Debt Consolidation, Net Worth Lending, Interest Only Payment Mortgages, Purchase and or Refinance with Improvements, Flip Properties, Prepaid Mortgages, Rent to Own, Power of Sale Rescue


COMMERCIAL FINANCING

 

Transaction Types: Purchases, Refinances, Lines of Credit, Debt Consolidation, Construction Financing, 2nd Mortgages

 

Financing Options: Banks, Credit Unions, Non-Bank Lenders, Alternative Lenders ("B" Tier), Mortgage Investment Corporations, Private Lenders  

 

Property Types: Owner occupied, investment property, Mixed Use, Apartment Buildings, Office Space, Industrial Space, Retirement Homes, Student Housing, Rooming Houses, Raw land, and Everything Else

 


COMMERCIAL FINANCING CMHC 5+ UNITS

 

Program Options: Rental Property, Student Housing, Single Room Occupancy, Retirement Homes, Affordable Housing, Construction

 


Please Note: We will be the first person to tell you that while it is great to be approved for a loan amount, it is not always great to accept what you are being offered for a multitude of reasons. Consumers need to be careful with all the fancy marketing out there as It's a fact that not every transaction that gets done should be done. Even though regulations require that you are provided with full disclosure of terms, rates, fees, and that your application is being presented to a lender accurately and you are being provided with the best options etc...it does not always happen the way.

 

Our Word: We take an in-depth look at your situation, which costs you nothing but your time to determine what your options look like. There is never any pressure to move forward with anything, and any transaction that we do together is always in your best interests...not mine.

 

Don't hesitate to reach out if you think I may be able to help - that is what we do.

 

Please Note: all Mortgage Rates listed on this website reflect the best available rates for the purchase of an owner-occupied property with default Mortgage Insurance amortized over 25 years. To confirm what rate we can offer you, please reach out to me at your convenience, and we can discuss it. 

 

 


BLOG / NEWS Updates

Among Canadians who are not yet back in their regular workplace, close to 4 in 10 do not feel safe returning

Months after COVID-19 began to spread in Canada, a large number of Canadian workers continue to work from home or are simply absent from their physical workplace. The survey asked these people whether they felt safe returning to work. At the time of survey collection in June, close to 4 in 10 Canadian workers who were not in their regular workplace (38%) reported that they did not feel safe returning to work. The most commonly-reported reasons for not feeling safe were fear of contracting the virus and fear of infecting family members. About 30% said that they felt safe returning to their physical workplace, and another 32% said that they did not know or chose not to answer the question.

National Bank of Canada Weekly Economic Watch

Housing starts rose from 166.5K in April to 193.5K in May (seasonally adjusted and annualized). Urban starts improved 22K to 181.1K on increases in both the multi-unit (+14.9K to 135.9K) and the single-detached (+7.1K to 45.3K) segments. At the provincial level, urban starts shot up in Quebec from 0K in April to 56.3K as social distancing measures were eased but plunged 37.1K to 56.5K in Ontario. June results should provide a clearer snapshot of the post-lockdown residential construction industry in Canada. Projects delayed on account of the Covid-19 pandemic might sustain starts at a relatively high level for a short while but the longer-term horizon looks less promising in light of much higher joblessness and reduced immigration. Moreover, tougher CMHC standards for mortgage insurance will likely exclude some potential buyers by shrinking their purchasing power. We estimate that the new rules governing maximum gross debt service will reduce by about 11% the amount that the median Canadian household will be allowed to borrow. Source: NBA Economics and Strategy

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